Credit Acceptance Contract

Copy of Electronic Original
*C-0068883605-1*
Not required to mail or fax this copy to Credit Acceptance
0068883605-1
RETAIL INSTALLMENT CONTRACT

ACCOUNT #____________________
91336039 LOT #____________________
58V
Buyer Name and Address Co-Buyer Name and Address Creditor-Seller Name and Address
LESTER ROSADO-MATIAS WANDA ORTIZ-RAMOS
BERGER CHEVROLET, INC.
4353 STONEBRIDGE DR SW 4353 STONEBRIDGE DR SW
2525 28TH STREET
Apt. # 9 Apt. #9
GRAND RAPIDS, MI 49512
WYOMING, MI 49519 WYOMING, MI 49519
“You” and “Your” mean each Buyer above, jointly and severally. “Us” and “We” mean Creditor-Seller and Creditor-Seller’s assignee. You may buy the Vehicle
described below for cash or credit. The cash price is shown below as the “Cash Price”. The credit price is shown below as “Total Sale Price”. You have agreed
to buy the Vehicle from Us on credit for the Total Sale Price. You acknowledge delivery and acceptance of the Vehicle in good condition and repair. You
promise to pay Us all amounts due under this Retail Installment Contract (“Contract”), including the Total Sale Price, in accordance with the payment schedule
shown in the Truth in Lending Disclosures shown below. You also agree to the terms and conditions (including the Truth in Lending Disclosures) and on the
additional pages of this Contract. The Annual Percentage Rate may be negotiable with Us.
Year and Make Model and Body Style Color Vehicle Identification Number Odometer Reading
Used 2015 Chevrolet Camaro 2D Coupe Black 2G1FA1E39F9137302 13,408
TRUTH IN LENDING DISCLOSURES

ANNUAL FINANCE Amount Total of Total Sale Price
PERCENTAGE CHARGE Financed Payments The total cost of Your
RATE The dollar amount The amount of credit The amount You will purchase on credit,
The cost of Your the credit will cost provided to You or on have paid after You including Your
credit as a yearly You. Your behalf. have made all pay- down payment of
rate. ments as scheduled.
$ 2,300.00 is
22.99 % $ 13,807.54
$ 19,980.26 $ 33,787.80 $ 36,087.80
Payment Schedule: Your payment schedule will be:
No. of Payments Amount of Payments When Payments Are Due
60 $ 563.13 , 2018 and same date of each following month.

September 13,
Security: You are giving a security interest in the goods or Vehicle being purchased.
Late Charge: If a payment is more than 10 days late, You will be charged $15 or 5% of the payment, whichever is greater.
COPY OF ELECTRONIC ORIGINAL

Prepayment: If You pay early, You may be entitled to a refund of part of the Finance Charge.
Additional Information: Please read this Contract for any additional information about nonpayment, default, any required repayment in full
before the scheduled date, and prepayment refunds and penalties.
LIABILITY INSURANCE COVERAGE FOR BODILY INJURY AND PROPERTY DAMAGES CAUSED TO OTHERS IS
NOT INCLUDED.
PROPERTY INSURANCE: You must insure the Vehicle securing this Contract. YOU MAY PURCHASE OR PROVIDE THE INSURANCE THROUGH
ANYONE YOU CHOOSE WHO IS REASONABLY ACCEPTABLE TO US, AS MORE FULLY DESCRIBED ON PAGE 3.
YOU HAVE THE RIGHT TO CHOOSE THE PERSON THROUGH WHOM THE MOTOR VEHICLE PHYSICAL DAMAGE INSURANCE REQUIRED
UNDER THIS CONTRACT IS TO BE OBTAINED.
OPTIONAL EXTENDED WARRANTY OR SERVICE CONTRACT: Although You are not required to purchase an optional extended warranty or
service contract as a condition of purchasing this Vehicle on credit, by signing below You are indicating that You voluntarily elect to buy an optional
extended warranty or service contract covering the repair of certain major mechanical breakdowns of the Vehicle and related expenses. Refer to the
optional extended warranty or service contract for details about coverage and duration.
Price $ 1,317.00
eSigned By:
Term: 24 Mos.\ 24000 Miles Company:
eSigned By:
First Automotive Service Corporation
Lester Rosado-matiasAug 13, 2018 12:38:40 PM EDT
08/13/2018 Wanda Ortiz-ramos 08/13/2018
Aug 13, 2018 12:40:54 PM EDT
Buyer’s Signature Date Buyer’s Signature Date

GAP PROTECTION: Optional Guaranteed Auto Protection (GAP) is not required to obtain credit. GAP protection will not be provided under this Contract
unless You sign for it below and agree to pay the additional cost shown below and on Line 4B of the ITEMIZATION OF AMOUNT FINANCED. You may obtain
optional GAP protection from a person of Your choice that is authorized to sell such coverage and is acceptable to Us. The GAP contract issued by the
provider of the protection will describe the terms and conditions of coverage in further detail. If You want GAP protection, sign below.
Cost: $ 686.00 Term: 60 Mos. Provider: Phoenix American Administrators, Inc.

eSigned By: eSigned By:
Lester Rosado-matiasAug 13, 2018 12:38:40 PM EDT
08/13/2018 Wanda Ortiz-ramos
Aug 13, 2018 12:40:54 PM EDT 08/13/2018
Buyer’s Signature Date Buyer’s Signature Date
Inits
Buyer’s Initials __________

LR
MICHIGAN CREDIT ACCEPTANCE CORPORATION (11-2016)
__________
Inits
© 2015-2016 Credit Acceptance Corporation. Buyer’s Initials WO
All Rights Reserved. PAGE 1 of 5
The original retail installment contract is assigned to Credit Acceptance Corporation.
This copy was created on 08/13/2018

*C-0068883605-2*
ITEMIZATION OF AMOUNT FINANCED
0068883605-2
1. Cash Price - which includes 1(a) through 1(e): ............................................................................................................................. $

a. Motor Vehicle Cash Price $ 18,987.00
21,547.26 (1)
b. Sales Tax $ 1,033.26

c. Accessories and Installation Charges $ N/A
d. Cost of Optional Extended Warranty or Service Contract* $ 1,317.00 Paid to the Company named on page 1
e. Document Preparation Fee $ 210.00
2. Down-Payment Calculation: Cash Down Payment ....................................................................$ 300.00 (A)
Trade-In Description: Gross Trade-In...............$ 2,000.00 (B)
Make: BMW
Model: 325 Payoff Made by Seller $ 0.00 (C)
Net Trade-in (If negative number, Insert “0” in line 2(D) and Itemize difference in 4(E) below) (B-C).......... $ 2,000.00 (D)
Trade-In Description: Gross Trade-In...............$ N/A (E)
Make: N/A
Model: N/A Payoff Made by Seller $ N/A (F)
Net Trade-in (If negative number, Insert “0” in line 2(G) and Itemize difference in 4(I) below) (E-F)........... $ N/A (G)
Other: Manufacturers Rebate ............................................................................................................... $ N/A (H)
Total Down Payment......................................... (A + D + G + H) $ 2,300.00 (2)
3. Unpaid Balance of Cash Price (1 minus 2) ..................................................................................................................................... $ 19,247.26 (3)
4. Other Charges Including Amounts Paid to Others on Your Behalf:
A. Cost of Required Physical Damage Insurance Paid to Insurance Company*.................................. $ N/A (A)
B. Cost of Optional GAP Protection Paid to Phoenix American Administrators, Inc.* $ 686.00 (B)
C. Cost of Fees Paid to Public Officials for Perfecting, Releasing or Satisfying a Security Interest....... $ N/A (C)
D. Cost of Fees Paid to Public Officials for Certificate of Title, License and Registration..................... $ 23.00 (D)
Other Charges (Seller must identify who will receive payment and describe purpose)*
E. to N/A for lien or lease payoff......................................... $ N/A (E)
F. to Berger Chevrolet, Inc. for CVR ELECTRONIC FILING FEE $ 24.00 (F)
G. to N/A for N/A $ N/A (G)
H. to N/A for N/A $ N/A (H)
I. to N/A for lien or lease payoff ........................................ $ N/A (I)
Total of Other Charges and Amounts Paid to Others on Your Behalf $ 733.00 (4)
5. Less Prepaid Finance Charge......................................................................................................................................................... $ N/A (5)
6. Amount Financed - Unpaid Balance (3 + 4 less 5)......................................................................................................................... $ 19,980.26 (6)

7. Finance Charge............................................................................................................................................................................... $
8. Time Balance (The Amount Financed plus the Finance Charge (6 + 7) ........................................................................................ $
*(NOTICE: A portion of these charges may be paid to or retained by Us.)
13,807.54 (7)
33,787.80 (8)
ARBITRATION: This Contract contains an Arbitration Clause that states You and We may elect to resolve any dispute by arbitration
and not by court action. See the Arbitration Clause on Page 5 of this Contract for the full terms and conditions of the Arbitration
Clause. By initialing below, you confirm that you have read, understand and agree to the terms and conditions in the Arbitration
Clause. Inits Inits
LR WO
Buyer’s Initials: ______________ Buyer’s Initials: _______________
ADDITIONAL TERMS AND CONDITIONS: THE ADDITIONAL TERMS AND CONDITIONS, INCLUDING THE ARBITRATION CLAUSE, SET
FORTH ON THE ADDITIONAL PAGES OF THIS CONTRACT ARE A PART OF THIS CONTRACT AND ARE INCORPORATED HEREIN BY
REFERENCE.
Warning: The insurance afforded hereunder does not cover liability for injury to persons or damage to property of others
unless so indicated hereon.
NOTICE TO BUYER: Do not sign this Contract in blank. You are entitled to 1 true copy of the Contract You sign without
charge. Keep it to protect Your legal rights.
eSigned By:
Lester Rosado-matias
eSigned By:
Buyer’s Signature: x Aug 13, 2018 12:38:40 PM EDT Buyer’s Signature: x Wanda Ortiz-ramos Aug 13, 2018 12:40:54 PM EDT
eSigned By:
Seller: BERGER CHEVROLET, INC. By:

Ryan Kennedy Aug 13, 2018 12:42:15 PM EDT Title: AGENT
This Contract is signed by the Seller and Buyer(s) hereto this 13th day of August , 2018
You agree to the terms of this Contract and acknowledge that You have received a copy of this Contract with all blanks
filled in and that You have read it and understand it.
eSigned By:
eSigned By:
Lester Rosado-matias Wanda Ortiz-ramos

Buyer’s Signature: x Aug 13, 2018 12:38:40 PM EDT Buyer’s Signature: x Aug 13, 2018 12:40:54 PM EDT

© 2015-2016 Credit Acceptance Corporation.
*C-0068883605-3* Copy of Electronic Original
ADDITIONAL TERMS AND CONDITIONS

0068883605-3
Security Interest. You give Us a security interest in: 1). The Vehicle and all parts or goods installed in it; 2). All money or goods received (proceeds) for the Vehicle;
3). All insurance, maintenance, service or other contracts We finance for You; and 4). All proceeds from insurance, maintenance, service or other contracts We
finance for You (this includes any refunds of premiums). This secures payment of all You owe on this Contract and in any transfer, renewal, extension or assignment
of this Contract. It also secures Your other agreements in this Contract. You agree to have the certificate of title show our security interest (lien) in the Vehicle.
Late Charge. You promise to make all payments when due. If You fail to make a payment when it is due, You agree to pay Us a late charge as stated on
page 1 of this Contract. You agree that We do not waive any of our rights by accepting one or more late payments from You.
Ownership and Risk of Loss. You promise to pay Us all You owe under this Contract even if the Vehicle is damaged, destroyed or missing.
Your Other Promises to Us. You promise that:
- You will not remove the Vehicle from the United States or Canada.
- You will not sell, rent, lease or otherwise transfer any interest in the Vehicle or this Contract without our written permission.
- You will not expose the Vehicle to misuse or confiscation.
- You will not permit any other lien or security interest to be placed on the Vehicle.
- You will preserve and protect the Vehicle and keep it in good condition and repair.
- You will not use the Vehicle in a trade or business without our written consent.
- You will not use the Vehicle unlawfully or abandon it. If a governmental agency impounds the Vehicle, You will notify Us immediately and regain
possession of the Vehicle. We may regain possession of the Vehicle and treat it as a default.
- You will pay all taxes, assessments, rentals, charges, and other fees imposed on the Vehicle when they are due. If We pay any repair bills, storage
bills, taxes, fines, fees, or other charges on the Vehicle, You agree to repay the amount to Us.
- You will permit Us to inspect the Vehicle at any reasonable time.
- You will promptly sign, or cause others to sign, and give Us any documents We reasonably request to perfect our security interest.
- You have not made and will not make an untrue, misleading or incomplete statement in a credit application, this Contract or any information
provided in connection with this Contract.
- You will promptly provide Us with any additional personal or financial information concerning You or any information about the Vehicle that We may
reasonably request from time to time.
- You will immediately notify Us if You change Your name or address.
Prepayment. You have the right to prepay Your account balance early without a penalty. If You prepay in full, You may be entitled to a refund credit of part of
the pre-computed finance charge. This credit will be calculated in accordance with the actuarial method. We will apply the credit to the amount You owe Us or
if You paid Us more than the amount owed to Us under this Contract, We will refund it to You. A minimum finance charge of $15 may be charged. We will not
credit or refund amounts less than $1.00.
If You prepay only a portion of the balance remaining under this Contract, We will apply the prepayment to Your account balance, however a prepayment will not
excuse any later scheduled payments. You must still make all scheduled payments on time until Your obligation under this Contract is paid in full. If You make
a partial prepayment Your last payment or payments may be less than the scheduled amount due.
Required Physical Damage Insurance. You must insure Yourself and Us for the term of this Contract against loss of, or physical damage to, the Vehicle with
a policy in Your name that is acceptable to Us. We must approve the type and amount of insurance. At any time during the term of this Contract, if You do not have
physical damage insurance which covers both the interest of You and Us in the Vehicle, then We may buy it for You. If We do not buy physical damage insurance
which covers both interests in the Vehicle, We may, if We decide, buy insurance which covers only our interest.
We are under no obligation to buy any insurance, but may do so if We desire. If We buy either of these coverages, We will let You know what type it is and the
charge You must pay. The amount You must pay will be the premium for the insurance and a finance charge at the Annual Percentage Rate shown on this
Contract. You agree to pay the amount and finance charge in equal installments along with the payments shown on the Payment Schedule.

If the Vehicle is lost or damaged, You agree that We can use any insurance settlement either to repair the Vehicle or apply to Your account balance. If applied
to Your account balance, the insurance settlement proceeds that do not pay Your obligation in full under this Contract will be applied as a partial payment.
Optional Insurance, Maintenance or Service Contracts. This Contract may contain charges for optional insurance, maintenance, service or
warranty contracts. If the Vehicle is repossessed, You agree that We may claim benefits under these contracts and terminate them to obtain refunds of unearned
charges.
Insurance, Maintenance, Service or Other Contract Charges Returned to Us. If any charge for required insurance is returned to Us, it may be credited
to Your account in accordance with the Prepayment section of this Contract or used to buy similar insurance which covers only our interest in the Vehicle. Any refund
on optional insurance, maintenance, service, warranty or other contracts obtained by Us will be credited to Your account in accordance with the Prepayment section
of this Contract.
Default and Acceleration of the Contract. You will be in default if:
- You fail to pay any amount due under this Contract when it is due.
- You break any of Your other promises You made in this Contract.
- A proceeding in bankruptcy, receivership or insolvency is started by You or against You or Your property.
If You are in default of this Contract, We may declare the entire unpaid balance of this Contract due and payable immediately at any time without notice to You, unless
We are required by law to provide You with such notice, and subject to any right You may have to reinstate the Contract. In figuring what You owe, We will give
You a refund of part of the Finance Charge figured the same as if You had prepaid Your obligation under this Contract in full.
Starter Interruption Device and GPS. You understand and agree that if You are in default, We may use any starter interruption device and/or global
positioning system (collectively, the Device) installed on the Vehicle to prevent the Vehicle from starting and/or to locate the Vehicle when permissible law and
the terms of this Contract allow us to repossess the Vehicle. You agree that if the Vehicle is disabled, You will need to cure Your default in order to restart the
Vehicle. You acknowledge that You have been provided with a toll free telephone number that You may call, no more than once per month, if the Vehicle is
disabled but You need an emergency activation which will allow the Vehicle to operate for 24 hours. Refer to the terms and conditions of the Buyer’s Disclosure
for additional information on the Device.
Repossession of the Vehicle. If You default, We may take (repossess) the Vehicle from You. To repossess the Vehicle, We can enter Your property, or the
property where the Vehicle is stored, so long as it is done peacefully and the law allows it. Any accessories, equipment or replacements will remain with the Vehicle.
You hereby acknowledge and agree that any personal property contained within the Vehicle may be removed and held without liability to Us or our agent. It is
Your responsibility to promptly and immediately contact Us to make arrangements for the return of Your personal property. You are responsible for paying all
reasonable charges associated with the repossession. Inits
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© 2015-2016 Credit Acceptance Corporation. Buyer’s Initials __________

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ADDITIONAL TERMS AND CONDITIONS

0068883605-4
Getting the Vehicle Back After Repossession. If We repossess the Vehicle, You have the right to pay to get it back (redeem) at any time before We
sell, lease, license or otherwise dispose of any or all of the Vehicle in its present condition or following any commercially reasonable preparation or processing.
Sale of the Repossessed Vehicle. Any notice that is required to be given to You of an intended sale or transfer of the Vehicle will be mailed to Your last
known address, as reflected in our records, in a reasonable period before the date of the intended sale or transfer (or such other period of time as is required
by law). If the Vehicle is sold, We will use the net proceeds of the sale to pay all or part of Your debt.
The net proceeds of the sale will be figured this way: Any charges for taking, holding, preparing for sale, and selling the Vehicle, and any attorney fees and court
costs, if permitted by law, will be subtracted from the selling price.
If You owe Us less than the net proceeds of sale, We will pay You the difference, unless We are required to pay it to someone else. For example, We may be
required to pay a lender who has given You a loan and has also taken a security interest in the Vehicle.
If You owe more than the net proceeds of sale, You will pay Us the difference between the net proceeds of sale and what You owe when We ask for it. If You
do not pay this amount when asked, You may also be charged interest at the highest lawful rate until You do pay all You owe to Us.
Collection Costs. If We hire an attorney to collect what You owe, You will pay the attorney’s reasonable fee and any court costs as permitted by law.
Delay in Enforcing Rights and Changes of this Contract. We can delay or refrain from enforcing any of our rights under this Contract without losing them.
For example, We can extend the time for making some payments without extending others. Any change in the terms of this Contract must be in writing and signed
by Us. No oral changes are binding. If any part of this Contract is not valid, all other parts will remain enforceable.
Interest After Maturity. You further agree to pay interest at the Annual Percentage Rate stated on page 1 of this Contract or at the highest rate permitted
by applicable law, on any amounts that remain unpaid after maturity of this Contract. For the purposes of this provision, maturity means the earlier of the date
Your final payment is due or the date We accelerate the Contract.
Judgment Rate. Interest on any judgment awarded on this Contract will be at 13% or at the highest rate permitted by applicable law.
Governing Law. The terms of this Contract are governed by the law of the state of the Seller’s address shown on page 1 of this Contract, except to the extent
preempted by applicable federal law.
WARRANTIES SELLER DISCLAIMS. YOU UNDERSTAND THAT THE SELLER IS NOT OFFERING ANY WARRANTIES AND THAT THERE ARE NO
IMPLIED WARRANTIES OF MERCHANTABILITY, OF FITNESS FOR A PARTICULAR PURPOSE, OR ANY OTHER WARRANTIES, EXPRESS OR
IMPLIED BY THE SELLER, COVERING THE VEHICLE UNLESS THE SELLER EXTENDS A WRITTEN WARRANTY OR SERVICE CONTRACT WITHIN
90 DAYS FROM THE DATE OF THIS CONTRACT.
THIS PROVISION DOES NOT AFFECT ANY WARRANTIES COVERING THE VEHICLE THAT MAY BE PROVIDED BY THE VEHICLE
MANUFACTURER.
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.
USED CAR BUYERS GUIDE. 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 compradores de vehículos usados. La información que ve en el formulario de la ventanilla para este vehículo forma parte del presente contrato. La infor-
mación del formulario de la ventanilla deja sin efecto toda disposición en contrario contenida en el contrato de venta.
ASSIGNMENT
FOR VALUE RECEIVED, Seller hereby assigns and transfers all Seller’s right, title and interest in and to this Contract, and in and to the Vehicle described
herein, to CREDIT ACCEPTANCE CORPORATION (“Assignee”), its successors and assigns, pursuant to and in accordance with the terms and conditions set
forth in the existing dealer agreement between Seller and Assignee in effect on the date hereof. Seller gives Assignee full power, either in Assignee’s name or
in Seller’s name, to take all actions which Seller could have taken under this Contract. In order to induce Assignee to accept assignment of this Contract, Seller
represents and warrants to Assignee as set forth in the existing dealer agreement.
NOTICE OF ASSIGNMENT: The Seller has assigned this Contract to Credit Acceptance Corporation in accordance with the terms and conditions
set forth above. This assignment is without recourse. You must make all future payments to: CREDIT ACCEPTANCE CORPORATION, 25505
WEST TWELVE MILE ROAD-SUITE 3000, SOUTHFIELD, MICHIGAN 48034-8339, 1-(800)-634-1506.
eSigned By:
Ryan Kennedy AGENT

Seller:
BERGER CHEVROLET, INC. By:
Aug 13, 2018 12:42:15 PM EDT
Title:
Inits
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ARBITRATION CLAUSE
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This Arbitration Clause describes how a Dispute (as defined below) may be arbitrated. Arbitration is a method of resolving disputes in front of
one or more neutral persons, instead of having a trial in court in front of a judge and/or jury. In this Arbitration Clause, “We” and “Us” mean Seller
and/or Seller’s assignee (including, without limitation, Credit Acceptance Corporation) or their employees, assignees, or any third party providing
any goods or services in connection with the origination, servicing and collection of amounts due under the Contract if such third party is named
as a party between You and Us. “You” and “Your” means each Buyer named above.
Your Right to Reject: If You don’t want this Arbitration Clause to apply, You may reject it by mailing Us at P.O. Box 5070, Southfield,
Michigan 48086-5070 a written rejection notice that describes the Contract and tells Us that You are rejecting this Arbitration Clause.
A rejection notice is only effective if it is signed by all buyers, co-buyers and cosigners and the envelope that the rejection notice is
sent in has a post mark of 30 days or less after the date of this Contract. If You reject this Arbitration Clause, that will not affect any
other provision of this Contract or the status of Your Contract. If You don’t reject this Arbitration Clause, it will be effective as of the
date of this Contract.
A “Dispute” is any controversy or claim between You and Us arising out of or in any way related to this Contract, including, but not limited to,
any default under this Contract, the collection of amounts due under this Contract, the purchase, sale, delivery, set-up, quality of the Vehicle,
advertising for the Vehicle or its financing, or any product or service included in this Contract. “Dispute” shall have the broadest meaning possible,
and includes contract claims, and claims based on tort, violations of laws, statutes, ordinances or regulations or any other legal or equitable
theories. Notwithstanding the foregoing, “Dispute” does not include any individual action brought by You in small claims court or Your state’s
equivalent court, unless such action is transferred, removed or appealed to a different court. “Dispute” does not include any repossession of the
Vehicle upon Your default and any exercise of the power of sale of the Vehicle under this Contract or any individual action by You to prevent Us
from using any such remedy, so long as such individual action does not involve a request for monetary relief of any kind. In addition, “dispute”
does not include disputes about the validity, enforceability, coverage or scope of this Arbitration Clause or any part thereof (including, without
limitation, the Class Action Waiver described in the sixth paragraph of this Arbitration Clause, the last sentence of the seventh paragraph of this
Arbitration Clause and/or this sentence); all such disputes are for a court and not an arbitrator to decide. However, any dispute or argument that
concerns the validity or enforceability of the Contract as a whole is for the arbitrator, not a court, to decide.
If a Dispute arises, the complaining party shall give the other party a written Dispute Notice and a reasonable opportunity, not less than 30 days, to
resolve the Dispute. Any Dispute Notice to You will be sent in writing to the address on this Contract (or any updated address You subsequently
provide to Us). Any Dispute Notice to Us must be sent by mail to: Credit Acceptance, Attn: Corporate Legal, 25505 West Twelve Mile Road, Suite
3000, Southfield, Michigan 48034-8339 (or any updated address We subsequently provide to You). Any Dispute Notice You send must give Your
Account Number, telephone number and address. Any Dispute Notice must explain the nature of the Dispute and the relief that is demanded.
The complaining party must reasonably cooperate in providing any information about the Dispute that the other party reasonably requests.
Either You or We may require any Dispute to be arbitrated and may do so before or after a lawsuit has been started over the Dispute or with
respect to other Disputes or counterclaims brought later in the lawsuit. If You or We elect to arbitrate a Dispute, this Arbitration Clause applies. A
Dispute shall be fully resolved by binding arbitration. Judgment on the arbitration award may be entered in any court with jurisdiction. All statutes
of limitation that otherwise would apply to an action brought in court will apply in arbitration. The arbitrator is authorized to award all remedies
permitted by the substantive law that would apply if the action were pending in court, including, without limitation, punitive damages (which shall
be governed by the Constitutional standards employed by the courts) and attorneys’ fees and costs.
If You or We elect to arbitrate a Dispute, neither You nor We will have the right to pursue that Dispute in court or have a jury resolve that dispute.
In addition, if You or We elect to arbitrate a Dispute, (a) neither You nor We may participate in a class action in court or in a class-wide arbitration,
either as a plaintiff, defendant or class member; (b) neither You nor We may act as a private attorney general in court or in arbitration; (c) Disputes
brought by or against You may not be joined or consolidated with Disputes brought by or against any other person; and (d) the arbitrator shall have
no power or authority to conduct a class-wide arbitration, private attorney general arbitration or joined or consolidated arbitration (this sentence
including subparts a through d hereof is referred to in this Arbitration Clause as the “Class Action Waiver”). In the event there is an agreement
to arbitrate claims or disputes that conflicts with this Arbitration Clause, whether such agreement is executed before, at the same time, or after

this Arbitration Clause, the terms of this Arbitration Clause shall control any and all Disputes between You and Us.
Notwithstanding the foregoing, We retain the right to repossess the Vehicle upon Your default and to exercise any power of sale under this
Contract. If any provision of this Arbitration Clause other than the Class Action Waiver is invalid or unenforceable under the Federal Arbitration
Act or any other applicable law, the invalid or unenforceable provision shall be inapplicable and deemed omitted, but shall not invalidate the rest
of this Arbitration Clause, and shall not diminish the parties’ obligation to arbitrate Disputes subject to this Arbitration Clause. In the event that the
Class Action Waiver is determined to be invalid or unenforceable, then, subject to the right to appeal such a ruling, this entire Arbitration Clause
(except for this sentence) shall be null and void.
Whoever first elects arbitration may choose to arbitrate under the rules and procedures of either JAMS or the American Arbitration Association;
however in the event of a conflict between these rules and procedures and the provisions of this Arbitration Clause, You and We agree that
this Arbitration Clause governs for that specific conflict. You may obtain the rules and procedures, information on fees and costs (including
waiver of the fees), and other materials, and may file a claim by contacting the organization of Your choice. The addresses and websites of the
organizations are: JAMS, 1920 Main Street, Suite 300, Irvine, CA 92614, www.jamsadr.com ; and American Arbitration Association, 335 Madison
Avenue, Floor 10, New York, New York 10017-4605, www.adr.org. If neither JAMS nor the American Arbitration Association is able or willing to
serve, and You and We can’t otherwise agree on a substitute administrator or arbitrator, then a court with appropriate jurisdiction shall appoint
an arbitrator. We will consider any good faith request You make to Us to pay the administrator’s or arbitrator’s filing, administrative, hearing and/
or other fees if You cannot obtain a waiver of such fees from the administrator and We will not seek or accept reimbursement of any such fees.
We will bear the expense of our attorneys, experts and witnesses, except where applicable law and this Contract allow Us to recover attorneys’
fees and/or court costs in a collection action We bring. You will bear the expense of Your attorneys, experts and witnesses if We prevail in
an arbitration. However, in an arbitration You commence, We will pay Your fees if You prevail or if We must bear such fees in order for this
Arbitration Clause to be enforced. Also, We will bear any fees if applicable law requires Us to. The arbitrator may decide that an in-person hearing
is unnecessary and that he or she can resolve the Dispute based on the papers submitted by You or Us and/or through a telephonic hearing.
However, any arbitration hearing that You attend will take place at a location that is reasonably convenient to You. Notice of the time, date and
location shall be provided to You and Us under the rules and procedures of the arbitration organization selected.
The arbitrator’s decision is final and binding, except for any right of appeal provided by the Federal Arbitration Act, 9 U.S.C. §§ 1 et. Seq. (“FAA”).
However, if the amount of the Dispute exceeds $50,000 or involves a request for injunctive or declaratory relief that could foreseeably involve a
cost or benefit to either party exceeding $50,000, any party can appeal the award to a three-arbitrator panel administered by the Administrator,
which panel shall reconsider any aspect of the initial award requested by the appealing party. The decision of the panel shall be by majority vote.
Reference in this Arbitration Clause to “the arbitrator” shall mean the panel of arbitrators if an appeal of the arbitrator’s decision has been taken.
The costs of such an appeal will be borne in accordance with the section of this Arbitration Clause that describes who will bear the costs for the
initial proceeding before a single arbitrator.
It is expressly agreed that this Contract evidences a transaction in interstate commerce. This Arbitration Clause is governed by the FAA and
not by any state arbitration law. Inits
LR
Inits

WO
*C-0068883608-1*
LESTER ROSADO-MATIAS
CREDIT ACCEPTANCE CORPORATION DISCLOSURE FORM
___________________________________ (Buyer)/ ___________________________________
WANDA ORTIZ-RAMOS
0068883608-1
(Co-Signer) (both hereinafter

referred to as “I”), are considering entering into a “Retail Installment Sales Contract” (hereinafter referred to as “Contract”) with
_________________________________________________________
BERGER CHEVROLET, INC. (hereinafter referred to as “Car Dealership”). I have been given an
opportunity to read both sides of the Contract, which has been completely filled in, and to ask all questions I may have concerning the terms
and conditions of the Contract. I understand that this Contract contains the entire agreement between I and Car Dealership and that the Car
Dealership will be assigning this Contract to Credit Acceptance Corporation ("Credit Acceptance"). I understand that any changes to this
Contract must be in writing and signed by I and Credit Acceptance. Oral changes are not binding.
I understand that the price of vehicle is the price which is set forth in the Contract and that I personally negotiated this price with the
Car Dealership. This “cash price” is the price that the Car Dealership would have charged had I purchased the vehicle with cash. I further
represent that the Car Dealership did not quote me a lower cash price for the vehicle and that the Car Dealership did not increase the price of
the vehicle because I was purchasing the vehicle on credit or because the Contract would be assigned to Credit Acceptance.
I understand that the Annual Percentage Rate (“APR”) is the rate set forth in the Contract and means the cost of my credit as a yearly
rate. I understand that the APR may be negotiable with the Car Dealership and represent I had the opportunity to negotiate the APR with the
Car Dealership.
I understand that Credit Acceptance will hold a lien on the vehicle I am purchasing. I understand that Credit Acceptance will be
servicing my account and that the assignment of the Contract to Credit Acceptance will not relieve me of any obligation under the Contract.
Unless I entered into a contract with a third party vendor to remit my payments under Contract to Credit Acceptance on my behalf, I understand
that Credit Acceptance will be sending me a payment book or statement that will be used by me to make my payments under the Contract to
Credit Acceptance.
I understand that Credit Acceptance and the Car Dealership have an agreement that provides that Credit Acceptance will pay the Car
Dealership a portion of the amount I actually owe under the Contract and that this amount is sometimes referred to as a “discount”. I
understand that the Car Dealership that sold me the vehicle may retain an interest in the payments I make to Credit Acceptance and after the
amounts initially paid to the Car Dealership by Credit Acceptance are recovered by Credit Acceptance, the Car Dealership may begin to receive
part of the money I pay on the Contract.

I understand that the Car Dealership’s agreement with Credit Acceptance does not in any way affect the amount of my obligation
under the Contract as I purchased the subject vehicle on terms acceptable to me with full and complete knowledge that Credit Acceptance will
advance to the Car Dealership only a portion of the amount I have actually agreed to pay and that Credit Acceptance will retain the “discount”.
If the purchase price of the vehicle includes ancillary products, such as a service contract; extended warranty; GAP product; credit
life, accident and health insurance; collision insurance coverage, and/or other related goods and services, I understand that I am not required to
purchase these goods and services in order to buy the car on credit and that these goods and services were sold to me at the fair market retail
value and have not in any way been overstated or inflated and that these goods and services were sold to me at the same price as they would
have been sold by the Car Dealership in a cash transaction. I understand that the Car Dealership, Credit Acceptance or a subsidiary of Credit
Acceptance may receive a portion of the proceeds of the sale of these ancillary products as a commission, administrative fee reimbursement,
earned premium or fee.
I further acknowledge that if I enrolled in an electronic payment program where my payments are to be automatically withdrawn
from my bank account, that this program is optional and is not required in order to finance the purchase of the vehicle.
IeSigned
ACKNOWLEDGE
By:
THAT I HAVE READ AND UNDERSTAND THIS DOCUMENT.
eSigned By:
BUYER: ________________________________
Aug 13, 2018 12:38:57 PM EDT
Wanda Ortiz-ramos
CO-SIGNER: __________________________________
Aug 13, 2018 12:41:11 PM EDT
SIGNATURE SIGNATURE
08/13/2018
DATED: ________________________________ 08/13/2018
DATED: _______________________________________
CAR DEALERSHIP CERTIFICATION: Car Dealership hereby represents to Credit Acceptance that it has explained the information in this
document to the Buyer and Co-Signer and that it has no knowledge, information or belief that would cause the Car Dealership to believe that
any of the representations of Buyer set forth herein are inaccurate or incomplete in any respect.
CAR DEALERSHIP: BERGER CHEVROLET, INC.
eSigned By:
Ryan Kennedy
BY: Aug 13, 2018 12:42:20 PM EDT
ITS: AGENT
08/13/2018
DATED: ________________________________________________________________
© 2008 Credit Acceptance Corporation (8/18/08). All Rights Reserved

91336039
CONTRACT NO.: SU- 10001519725
CA Approval # VEHICLE SERVICE CONTRACT
Toll Free Claims Number: 1-866-410-6748
The words in boldface type (other than the headings in this Contract) are defined in the “DEFINITIONS” section.
IMPORTANT: Purchase of the Contract is not required in order to purchase or obtain financing for a motor vehicle. This Contract is not an insurance policy.
It is a service contract between you and the Administrator Obligor. Any change to the preprinted terms and conditions of this Contract is invalid and of
no force or effect. However, the In-service Date may be amended as explained in the “COVERAGE INFORMATION” section below. If any information on
this Contract is in error, contact the Selling Dealer or Administrator immediately.
CUSTOMER INFORMATION SELLING DEALER INFORMATION

LAST NAME FIRST NAME SELLING DEALER NAME
ROSADO-MATIAS LESTER BERGER CHEVROLET, INC.
CUSTOMER ADDRESS SELLING DEALER ADDRESS
4353 STONEBRIDGE DR SW, Apt. #9 2525 28TH STREET
CITY STATE ZIP CITY STATE ZIP
WYOMING MI 49519 GRAND RAPIDS MI 49512
TELEPHONE TELEPHONE DEALER
616-212-8313 616-575-9683 ACCOUNT NO. 58V
VEHICLE INFORMATION
VEHICLE IDENTIFICATION NUMBER (VIN) VEHICLE ODOMETER READING AT THE TIME OF SALE
2G1FA1E39F9137302 13,408
__________________________ MILES
YEAR MAKE MODEL CLASS VEHICLE / CONTRACT SALE DATE
2015 Chevrolet Camaro 2D Coupe 08/13/2018
LIENHOLDER – Credit Acceptance ( CA ) CONTRACT PRICE VEHICLE PURCHASE PRICE
25505 West Twelve Mile Road, Southfield, MI 48034 $ 1,317.00 $ 18,987.00
ADMINISTRATOR OBLIGOR INFORMATION
FIRST AUTOMOTIVE SERVICE CORPORATION, P.O. Box 30250, ALBUQUERQUE, NM 87190, 1-866-410-6748. The Administrator Obligor’s performance under this Contract is
insured by an insurance policy issued by Dealers Assurance Company, P.O. Box 21185, Upper Arlington OH 43221, 1-800-282-8913. If a Covered Repair or approved service is not
paid within sixty (60) days after proof of loss has been filed, You may file a claim with Dealers Assurance Company at the address listed herein.
COVERAGE INFORMATION
COVERAGE TERMS: __________
24 MONTHS or __________
24,000 MILES DEDUCTIBLE: $100
EXTENDED COVERAGE STANDARD COVERAGE
Vehicle In-service Date _____________________* (see “NOTE 1” below) Standard Coverage means the coverage on this Contract
Manufacturer Basic Warranty (MBW) Expiration Date: _______________________________ begins on the Vehicle/Contract Sale Date and ends when

Manufacturer Basic Warranty (MBW) Expiration Miles: _______________________________ the coverage term for time or mileage listed above has
Extended Coverage is only available for vehicles with the Manufacturer Basic Warranty (MBW) in effect when the elapsed, whichever occurs first.** (see “NOTE 2” below)
Contract is purchased. Extended Coverage means the coverage in this Contract begins when the MBW expires by time
or miles, whichever occurs first. Until the expiration of the Manufacture Basic Warranty, there is no coverage under this
Contract. The coverage is measured from the MBW Expiration Date or MBW Expiration Miles listed above and ends
when the coverage term for time or mileage listed above has elapsed, whichever occurs first.
* NOTE 1: If Extended Coverage is indicated above, and if the Vehicle In-service Date is not recorded on this Contract or if the Vehicle In-service Date is recorded inaccurately, the Administrator
Obligor will determine the Vehicle In-service Date. If You are able to provide reasonable proof to Us that the actual expiration date of the Manufacturer Basic Warranty is different from the date or
miles specified above, and that claimed expiration date is confirmed by Us, then that revised expiration date/mileage will be used to determine the beginning of coverage and to process claims and
cancellations under this Contract.
** NOTE 2: If Standard Coverage is indicated above, but You are able to prove -- and We are able to confirm -- that the Manufacturer Basic Warranty was in effect when the Contract was
purchased, You will receive Extended Coverage, as described above.
Call the Administrator toll-free at (866) 410-6748 if you have questions regarding the beginning or expiration of coverage.
PURCHASER SIGNATURE
I have read and understand this Contract. I understand the above information is subject to verification and this Contract may be rejected if any of the
above information is incorrect, or if the above Vehicle is ineligible for the term or coverage indicated, as determined by the Administrator Obligor in its
sole discretion. I also understand that both the Selling Dealer and the Administrator Obligor assume no obligation or liability that does not appear in this
Service Contract.
__________________________________
Aug 13, 2018 12:39:09 PM EDT 08/13/2018
_______________
Ryan Kennedy
________________________________________
Aug 13, 2018 12:42:27 PM EDT 08/13/2018
_______________
CUSTOMER SIGNATURE DATE AUTHORIZED REPRESENTATIVE OF SELLING DEALER DATE
*C-0068883612-1*
CNW-XX-XX-01 Page 1

0068883612-1
REV 02.17.17

A. WHAT TO DO IFNot
YOURrequired
VEHICLE to mail orAfax
SUSTAINS this copy
BREAKDOWN to Credit Acceptance
1. Take immediate action to protect the Vehicle from further damage. This may require You to stop the Vehicle, turn off the engine, and have the Vehicle towed. Towing
coverage is subject to the terms and conditions of this Contract. Any damage resulting from continued operation of an impaired Vehicle will constitute failure to protect Your
Vehicle and will not be covered under this Service Contract.
2. You may take the Vehicle to any Licensed Repair Facility. However, authorization must be obtained from the Administrator prior to any repair.
3. Present this Contract and a copy of the tow receipt (when applicable) to the Licensed Repair Facility. The Administrator may also require You to provide the Licensed
Repair Facility with proof of all relevant maintenance as expressed under “YOUR OBLIGATIONS.”
4. It is Your responsibility to make certain the Licensed Repair Facility contacts the Administrator for instructions prior to any repairs. The Administrator can be reached toll free at
1-866-410-6748. Ensure that any facility You choose is willing to perform repairs according to the terms and conditions of this Service Contract. If necessary, We reserve the right to
relocate Your Vehicle to a Licensed Repair Facility of Our choice. Claims Department hours are Monday through Friday, 7 a.m. to 7 p.m., Saturday 8 a.m. to 2 p.m. (CST).
5. If Emergency Repairs covered by this Contract are required, then deliver Your Vehicle to a Licensed Repair Facility and have the necessary repairs performed at a
reasonable and customary charge. On the next business day, report the repairs to the Administrator at 1-866-410-6748. The Administrator will determine the reimbursement
eligibility in accordance with the terms and conditions of this Contract.
6. If Your repair is a Covered Repair, then You are required to pay the Deductible amount indicated in this Contract. In addition, You are also required to pay for anything not
authorized by the Administrator.
B. YOUR OBLIGATIONS
For this Contract to remain in force, You must:
 Maintain Your Vehicle according to the Vehicle Manufacturer specifications.
 Keep, and make available to the Administrator upon request, verifiable signed receipts that show the above required maintenance and services were performed in a timely manner.
For a claim payment to be made under this Contract:
 You must have Your Licensed Repair Facility obtain an authorization number from the Administrator prior to beginning any repairs to a Covered Part.
 You must pay the Deductible for all Covered Repairs performed in a single visit to a Licensed Repair Facility.
 You are responsible for authorizing and paying for any teardown or diagnostic time needed to determine if Your Vehicle has a Covered Breakdown. If the Administrator
determines that there is a Covered Breakdown, then We will pay for the reasonable cost of the teardown and diagnostic time as part of the Covered Repair.
 You must send all repair documentation requested by the Administrator to the following address: First Automotive Service Corporation, P.O. Box 30250, Albuquerque, NM
87190, 1-866-410-6748.
CLAIMS MUST BE SUBMITTED WITHIN SIXTY (60) DAYS FROM AUTHORIZATION TO QUALIFY FOR REIMBURSEMENT.
C. OUR OBLIGATIONS
1. Covered Breakdowns (Deductible Applies)
If a Covered Part Fails while coverage under this Contract is in effect, We will pay You or the Licensed Repair Facility, less the Deductible (if any), for the repair or
replacement, as the Administrator deems appropriate, of the Covered Part(s) that caused the Breakdown, but only if You have met Your obligations as described in this
Contract.
The Administrator will verify the Breakdown with the Licensed Repair Facility, verify coverage, determine the extent of coverage, determine the Cost of the repair, and
authorize the claim for any Covered Repairs subject to the terms and conditions of this Contract. The claim is not approved unless We give authorization numbers to the
Licensed Repair Facility.
At the sole discretion of the Administrator, a Covered Part may be replaced with new parts, remanufactured parts, or with used parts of like kind and quality. The use of non-
original manufacturer’s parts is permitted. We reserve the right to inspect Your Vehicle to verify a Failure(s). In addition, if a dispute arises between the Licensed Repair
Facility and Us, We reserve the right to relocate Your Vehicle to a Licensed Repair Facility of Our choice. In the event the Administrator determines that a repair in question
is not a Covered Repair, then You are responsible for any cost incurred.
2. Additional Benefits (No Deductible)
NOTE: If Extended Coverage is indicated on the first page of this Contract, Rental Car and Towing Benefits will be effective upon expiration of the Manufacturer Basic
Warranty by time or mileage, whichever occurs first. Otherwise, Rental Car and Towing Benefits will be effective on the Vehicle/Contract Sale Date.
 Rental Car: We will reimburse You for a rental car at a rate of up to $30.00 for every eight (8) hours of labor time required to complete a Covered Repair, up to a


maximum of $150.00 per Covered Breakdown. If there is a verifiable delay in obtaining a part needed to complete a Covered Repair, We will reimburse You for a rental
car for up to an additional two (2) days. The Administrator will use factory labor guides or industry recognized flat-rate manuals to determine the required repair time.
You must provide the Administrator with a valid receipt from a licensed rental agency to obtain reimbursement for a rental car.
Towing: We will reimburse You for towing if the Vehicle is disabled due to a Covered Breakdown, up to a maximum of $50 per Covered Breakdown. You must
provide the Administrator with a valid receipt to obtain reimbursement for towing.
D. STATE TAXES
Sales tax on Covered Repairs will be paid in accordance with the regulations of the Taxing Authority in the state where Your Vehicle has been repaired.
E. COVERED PARTS
Subject to the terms and conditions of this Contract, We will pay, or reimburse You, for the reasonable costs to repair or replace any of the following listed Covered Parts (for the
coverage specified below that You have purchased) that fail as the result of a Covered Breakdown, subject to the terms and conditions listed in this Contract. For convenience, the
Covered Parts are listed next to the Vehicle systems to which they relate. The Vehicle systems themselves are not Covered Parts.
The following components are covered on all vehicles with an odometer reading of up to 175,000 miles at the Vehicle/Contract Sale Date
1. Engine Components – Engine Block and Cylinder Heads are covered when damaged due to a failure of an internal Lubricated Part. All internal Lubricated Parts; harmonic
balancer; turbocharger; supercharger; timing gear, chain and bolt; head gasket; timing cover; timing belt; intake and exhaust manifolds; valve covers; oil pan; and engine
mounts.
2. Transmission Components – Transmission case and all internal Lubricated Parts; torque converter; transmission mounts; flex plate; and vacuum modulator.
3. Drive Axle(s) Components – Drive axle housing and all internal Lubricated Parts; drive shafts; universal joints; and constant velocity joints unless failure was caused by
neglected, torn, cracked or perforated constant velocity joint boot(s). See exclusion for constant velocity joint boots in “EXCLUSIONS — WHAT THIS CONTRACT DOES NOT
COVER” section.
4. Transfer Case Components – Transfer case housing and all internal Lubricated Parts.
5. Steering Components – Steering gear box or rack, and all internal Lubricated Parts; power steering pump; steering column shaft; steering column shaft couplings; pitman
arm; idler arm; tie rod end(s); electric steering gear; electric steering motor; electric rack and pinion; and drag link.
6. Electrical Components – Alternator; voltage regulator; starter motor and drive; starter solenoid, ignition module; and windshield wiper motor(s).
7. Air Conditioner Components – Condenser; compressor; compressor clutch; compressor pulley; idler pulley; and idler pulley bearing; evaporator; receiver dryer; orifice tube;
and blower motor. Air conditioner coverage applies only if the air conditioner is factory or dealer installed equipment.
8. Suspension Components – Radius arm; control arms; control arm shafts; bearings and bushings; king pin and king pin bushings; strut bar and bushings; stabilizer bar;
stabilizer link; stabilizer bushing; spindle; wheel bearings; and torsion bars.
9. Cooling Components – Water pump, engine cooling fan motor, radiator, radiator fan, and radiator fan clutch.
10. Fuel Components – Fuel delivery pump, fuel injectors, and fuel tank.
11. Brake Components – Standard and ABS brake system master cylinder, ABS accumulator, ABS control module, ABS pump, ABS motor, ABS reservoir and ABS wheel speed
sensors, power brake cylinder, vacuum assist booster, compensating valve, disc brake caliper(s), wheel cylinder(s), hydraulic lines, and hydraulic line fittings.
CNW-XX-XX-01 Page 2 REV 02.17.17

The following are only covered on Vehicles with less than or equal to 100,000 miles at the Vehicle/Contract Sale Date.
12. High-Tech Components: Power seat motor, power antenna motor, power window motor(s), power door lock actuator, fuel pressure regulator, sunroof motor, convertible top
motor, driver information gauge indicators relating to the operation of the Vehicle (burned out L.E.D. lights/lamps are not covered), body control module, control dash power
supply, cruise control module and servo/transducer, fuel sending unit, fuel gauge, metal fuel delivery lines, idle speed motor, manifold pressure sensor, manifold temperature
sensor, throttle position sensor, mass air flow sensor, oxygen sensor, coolant temperature sensor, vehicle speed sensor, camshaft position sensor, crankshaft angle sensor,
E.C.M., primary fuel injection computer, and temperature control programmer.
13. Seals and Gaskets – Leaking seals and gaskets on any Covered Part listed in numbers 1 through 12 in this section will be covered, provided that the Vehicle had 100,000
miles or less on the odometer at the Vehicle/Contract Sale Date. Minor loss of fluid or seepage is considered normal and not considered a Covered Breakdown.
Note: Fluids are covered when required as part of the repair or replacement of a Covered Part.
F. EXCLUSIONS — WHAT THIS CONTRACT DOES NOT COVER
This Contract provides no benefits or coverage for the following items, and We have no obligation under this Contract for:
1. A Breakdown caused by contamination of or lack of proper fuels, fluids, coolants or lubricants, including a Breakdown caused by a failure to replace seals or
gaskets in a timely manner.
2. A Breakdown caused by towing a trailer, another vehicle, or any other object unless Your Vehicle is equipped for this use as recommended by the Vehicle
Manufacturer.
3. Repair of any parts in connection with a Covered Repair when those parts are not necessary for the completion of the Covered Repair or were not damaged by the
failure of a Covered Part. Such repair or replacement is an improvement to Your Vehicle and is not covered by this Contract.
4. The repair or replacement of any motor vehicle component that was not operating properly in accordance with manufacturer’s specifications at the time this
Service Contract was sold (i.e. pre-existing conditions).
5. A Breakdown caused by or involving modifications or additions to Your Vehicle, unless those modifications or additions were performed or recommended by the
Vehicle Manufacturer.
6. A Breakdown caused by off-roading, misuse, abuse, racing, or any form of competition.
7. Any Mechanical Breakdown covered by an insurance entity, the manufacturer’s warranty or recall; or any component with a warranty or “repairer’s guarantee”
through a repair facility, or any cost which would normally be covered by a vehicle manufacturer warranty or a dealer warranty required under state law, whether or
not such warranty is in force respecting Your Vehicle. Additionally, if an insurance entity, the manufacturer, or repair facility notifies You that they will monetarily
participate in a repair that has been authorized and paid by Us, then We will exercise Our right to recover the respective amount.
8. Any Vehicle that has been repurchased by or had its price renegotiated with the manufacturer.
9. Any Vehicle that has had the manufacturer’s warranty revoked, voided, or cancelled; or any Vehicle that never came with a manufacturer warranty.
10. Damage to the Vehicle caused by continued Vehicle operation after the Failure of a Covered Part.
11. The repair or replacement of any Covered Component that has been damaged by a non-Covered Component or an improper repair.
12. The repair or replacement of any non-Covered Component that has been damaged as a result of the Failure of a Covered Component.
13. The repair or replacement of any Covered Component that has not Failed, as defined in this Contract.
14. Any liability, cost, or damages You incur or may incur to any third parties other than for Covered Parts.
15. Vehicles registered or needing repairs or replacements outside of the contiguous United States, Alaska, Hawaii, or Canada.
16. Our liability for incidental and consequential damages including, but not limited to personal injury, physical damage, property damage, loss of Vehicle use, loss of
time, inconvenience and commercial loss, lost profits or savings, or other incidental or consequential damage or loss resulting from the operation, repair,
maintenance or use of this Vehicle.
17. Any cost or other benefit for which the Vehicle Manufacturer has announced its responsibility through any means including public recalls or factory service
bulletins.
18. Loss of engine compression through gradual failure of engine rings and valves.
19. Constant velocity joint boots.
20. The maintenance services and parts described in the “YOUR OBLIGATIONS” section or in the Vehicle Manufacturer’s maintenance schedule for Your Vehicle.
21. Other normal maintenance services and parts, including, without limitation: engine tune-up; spark plugs; ignition wires; distributor cap and rotor; carburetor; EGR
valve; batteries; filters; lubricants or fluids, air conditioning refrigerant, or engine coolant (except when such lubricants, fluids, refrigerant or coolant must be
replaced as part of the repair or replacement of a Covered Part); all hoses and belts that are not specifically listed under “Covered Parts;” wiper blades; brake pads

and shoes; brake rotors and drums; suspension alignment; tires; wheel balancing; shock absorbers; exhaust system; friction clutch disc and pressure plate; and
clutch throw out bearing.
22. Glass, glass framework and fastening adhesives, sealed beam head lamps, light bulbs, lenses, HID or LED headlight assemblies, Safety Restraint Systems
(including air bags), trim, moldings, bright metal, upholstery and carpeting, paint, sheet metal, body panels, structural framework and structural welds.
23. Aftermarket accessories or non-original equipment, components and systems not installed by the Vehicle Manufacturer, including, without limitation, anti-theft
systems, radio/speaker equipment, telephones, cruise control, and sunroof.
24. GPS navigation systems and TV/Video/DVD/Entertainment Systems.
25. Repairs performed without Our prior authorization.
26. Any component or part of a component that enables a vehicle to be propelled by any source of power other than gasoline, diesel fuel, or E85 ethanol. In addition,
components exclusive to any of the following: Hybrid Vehicles, Plug-in Hybrid Vehicles, Electric Vehicles, Extended-Range Electric Vehicles, or Hydrogen-Powered
Vehicles.
27. Any Vehicle with a branded title (e.g. salvage, junk, rebuilt, total loss, flood, fire, or gray market).
28. The repair, retrofit, or replacement of any component required for compliance by any local, state, or federal law or legislation.
29. Damage due to the alteration, modification, or use of Your Vehicle in a manner not recommended by the manufacturer, including the use of “non-stock” or
modified parts.
30. Any Mechanical Breakdown or Failure caused by (a) Wear and Tear; (b) Your failure to provide proper maintenance to the Failed part or parts or a Breakdown
caused by lack of customary, proper, or Vehicle Manufacturer’s specified maintenance; (c) overheating, regardless of the cause of overheating; (d) incorrect,
contaminated, or inadequate amounts of coolant, lubricants, or fluids; (e) accidental loss or damage, impact, collision or upset, falling missiles or objects, rust,
corrosion, fire, electrical fire or meltdown, theft, larceny, explosion, lightning, earthquake, wind storm, hail, water, flood, freezing, malicious mischief, vandalism,
riot, or civil commotion; or (f) DRIVER NEGLIGENCE OR MISUSE, INCLUDING THE OPERATION OF AN IMPAIRED VEHICLE; (g) acts of public enemy or any
government authority, or for any hazard insurable under standard physical damage insurance policies whether or not such insurance is in force respecting Your
Vehicle.
31. Cosmetic damage or cosmetic related repairs (e.g. scratches, nicks, dents, or tears).
32. Body components or repairs related to the body of the Vehicle (e.g. bumpers, lenses, glass, paint, convertible or vinyl tops, sheet metal, outside ornamentation,
frame or structural body parts, air or water leaks, wind noise, weather strips, squeaks or rattles, trim, upholstery, carpet, or mats).
33. The following, unless required in conjunction with a Covered Repair: upgrades, adjustments, alignments, oil, fluids, greases, lubricants or refrigerant.
34. Any expenses associated with shop supplies, materials charges (i.e. miscellaneous items not directly associated with a covered repair), hazardous waste charges,
diagnosis time (where a Covered Mechanical Breakdown has not occurred), freight charges, or storage charges.
35. Any losses resulting from delays, labor strikes, loss of time, inconvenience, or other causes beyond the control of the Administrator.

In addition, this ContractNot required
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36. The Vehicle odometer fails or, for any reason, does not record the actual mileage of Your Vehicle after purchase date, and You do not have it repaired and the
mileage certified within thirty (30) days of failure date.
37. Your Vehicle is used for business, deliveries, construction or commercial hauling, or as a postal vehicle, taxi, police car or other emergency vehicle.
38. You rent Your Vehicle to someone else.
39. Your Vehicle is equipped with a snow plow or is used to plow snow.
40. You are using or have used Your Vehicle in a manner that is not recommended by the Vehicle Manufacturer.
41. Your Vehicle is modified from the Vehicle Manufacturer’s original specifications.
G. CANCELLATION OF THIS CONTRACT

Cancellation By You
You may cancel this Contract at any time by notifying the Administrator or Lienholder. Your cancellation notice must be accompanied by the then-current Vehicle mileage. If the
Contract Price was financed, any and all refunds will be paid to the Lienholder.
Cancellation By Us
We reserve the right to cancel this Contract and will not pay for a Covered Breakdown if:
 The Vehicle odometer fails, or for any reason does not record the actual mileage of Your Vehicle after Vehicle/Contract Sale Date, and You do not have it repaired and the
mileage certified within thirty (30) days of failure date.
 Your Vehicle is used for business, deliveries, construction or commercial hauling, or as a postal vehicle, taxi, police car or other emergency vehicle.
 You rent Your Vehicle to someone else.
 Your Vehicle is equipped with a snow plow or is used to plow snow.
 You are using or have used Your Vehicle in a manner that is not recommended by the Vehicle Manufacturer.
 Your Vehicle is modified from the Vehicle Manufacturer’s original specifications.
 The Vehicle has a salvage title or is a grey market vehicle.
Cancellation By the Lienholder
You understand and acknowledge that the Lienholder (if any) has the right to cancel this Contract if the Vehicle is repossessed or destroyed or You are otherwise in default of
Your obligations to repay the amount financed by the Lienholder.
NOTE: Transferred Contracts are not eligible for cancellation refunds.
H. RENEWAL
This Contract is non-renewable.
I. REFUNDS AND CHARGES
Extended Coverage Cancellation:
If this Contract is cancelled within the first thirty (30) days past the Vehicle/Contract Sale Date, You will be entitled to a full refund of the Contract Price.
If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date, but before the expiration of the Manufacturer Basic Warranty by time or miles
(whichever occurs first), You will be entitled to a full refund of the Contract Price less a fifty dollar ($50.00) cancellation fee.
If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date and the Manufacturer Basic Warranty has expired by time or miles (whichever
occurs first), You will be entitled to a pro rata refund of the Contract Price, less a fifty dollar ($50.00) cancellation fee. Pro rata refunds under Extended Coverage are determined by
multiplying the amount you paid for this Service Contract by the lesser of the following two ratios: either (a) the number of covered days remaining divided by the number of days in
the original coverage term months reflected on the first page of this Contract, or by (b) the number of remaining covered miles divided by the original number of coverage term miles
reflected on the first page of this Contract.
Standard Coverage Cancellation:
If this Contract is cancelled within the first thirty (30) days past the Vehicle/Contract Sale Date, You will be entitled to a full refund of the Contract Price.

If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date, You will be entitled to a pro rata refund of the Contract Price, less a fifty dollar
($50.00) cancellation fee. Pro rata refunds under Standard Coverage are determined by multiplying the amount you paid for this Service Contract by the lesser of the following two
ratios: either (a) the number of covered days remaining divided by the number of days in the original coverage term months reflected on the first page of this Contract, or by (b) the
number of remaining covered miles divided by the original number of coverage term miles reflected on the first page of this Contract.
J. DEFINITIONS
 “Administrator Obligor”, “Administrator” and “Provider” means First Automotive Service Corporation, P.O. Box 30250, Albuquerque, NM 87190, 1-866-410-6748.
 “Breakdown”, “Mechanical Breakdown”, “Fails” or “Failed” means the total failure of any Covered Part to work as it was designed to work in normal service.
 “Contract” or “Service Contract” means this document in its entirety.
 “Contract Price” or “Provider Fee” means the price of this Contract as specified on the first page of this Contract.
 “Cost” means the customary and reasonable charges for parts and labor necessary to repair or replace Covered Components. These charges are subject to the
Administrator’s approval and will not exceed either the manufacturer’s suggested retail (list) price for parts or the labor allowances derived from industry recognized flat-rate
manuals.
 “Covered Breakdown” means a Breakdown that is covered by this Contract.
 “Covered Part” or “Covered Components” means an item listed as a Covered Part in the “Covered Parts” section.
 “Covered Repair” means a repair to a Covered Part approved by the Administrator.
 “Deductible” means the portion of a Covered Repair(s) that You are obligated to pay to the Licensed Repair Facility. This portion is stated on the first page of this
Contract, and it applies to each repair visit.
 “Emergency Repairs” means only those repairs, which, if not immediately performed, would impair the future operation of Your Vehicle or render it inoperable or unsafe to drive.
 “Licensed Repair Facility” means any automotive repair facility that has been licensed to perform automotive repairs by the state in which it operates.
 “Lienholder” means the financial institution (if any) extending the loan/lease amount to the Contract Holder.
 “Lubricated Part” means a part that requires lubrication to perform its function.
 “Manufacturer Basic Warranty” or “MBW” means the Basic Warranty issued by the vehicle’s manufacturer that outlines the manufacturer’s responsibilities related to
ensuring that the vehicle will work as intended for a specified amount of time and mileage term. The Manufacturer Basic Warranty term may not be the same as the
Manufacturer Powertrain Warranty term. In the event the powertrain term is different, the Manufacturer Basic Warranty term is the term that will be used for all related
Extended Coverage calculations.
 “Selling Dealer” means the automobile dealer identified on the first page of this Contract.
 “Vehicle” means the Vehicle covered by this Contract, as Identified on the first page of this Contract.
 “Vehicle / Contract Sale Date” means the date the Vehicle and this Contract were purchased.
 “Vehicle In-service Date” or “In-service Date” means the date the Vehicle first went into service and the Manufacturer Basic Warranty begins (e.g. the date the original
owner purchased the Vehicle or the date the Vehicle was first placed into service as either a rental vehicle, demonstration vehicle, or vehicle used for other purposes).
 “Vehicle Manufacturer” means the manufacturer of the Vehicle.

 Not required to mail or fax this copy to Credit Acceptance
“Vehicle Purchase Price” means the price paid for the Vehicle excluding dealer prep, tax and additional products.
 “We,” “Us,” and “Our” refers to the Administrator /Obligor shown on the first page of this Contract.
 “Wear and Tear” means the gradual reduction in component performance through normal or excessive usage.
 “You,” “Your,” “Yours,” “Contract Holder,” and “I” refer to the customer identified on the first page of this Contract.
K. OTHER IMPORTANT CONTRACT PROVISIONS/LIMITATIONS

Our Rights Against Others
If You receive any benefits under this Contract, We will be entitled to all Your rights of recovery against any manufacturer, repairer or other party who may be responsible to You for
the costs covered by this Contract or for any other payment made by Us. If We ask, You agree to help Us enforce these rights. You also agree to cooperate and help Us in any
other matter concerning this Contract.
Entire Agreement
This Contract contains the entire agreement between You and Us and supersedes any and all prior and contemporaneous agreements (both written and verbal) between You and
Us concerning the subject matter of this Contract. This Contract is not valid unless signed by both You and an authorized representative of the Selling Dealer.
When this Contract will End
This Contract will terminate when:
 Your coverage expires via time or mileage as explained in the “COVERAGE INFORMATION” section on the first page of this Contract.
 You sell Your Vehicle, unless this Contract is properly transferred according to the instructions in the “HOW COVERAGE MAY BE TRANSFERRED” section.
 This Contract is cancelled as outlined in the “CANCELLATION OF THIS CONTRACT” section.
L. HOW COVERAGE MAY BE TRANSFERRED
If You sell Your Vehicle or if there is any change in the ownership of Your Vehicle, You may request to transfer the remaining coverage of this Contract to the new owner, but only if:
 You are the first holder of this Contract
 The Contract is not transferred to a new or used vehicle dealer or anyone other than an individual purchasing Your Vehicle for personal use.
 The Administrator receives from You the completed transfer application (see “TRANSFER APPLICATION” section) within thirty (30) days after the date You sell Your Vehicle.
 You pay the Administrator a $50.00 transfer fee
 You provide the new owner and Administrator with copies of all Vehicle maintenance and service receipts as required by this Contract (see “YOUR OBLIGATIONS” section).
 This Contract was not transferred once before
 This Contract has not been assigned to another vehicle
The Administrator has the discretion to approve or reject Your request to transfer coverage. Copies of all maintenance records showing oil changes and manufacturer’s required
maintenance must be given to the new owner, and the new owner must retain these records. The Vehicle will still be subject to the maintenance requirements as specified in this
Contract and by the Vehicle manufacturer. No handwritten receipts will be accepted.
If You sell Your Vehicle, or if there is any change in the ownership of Your Vehicle without notifying the Administrator as outlined in this section, this Contract will terminate.
The transfer will be effective when You receive a transfer confirmation letter from the Administrator. If the purchase of Your Vehicle was financed and Your Vehicle is a total loss
or is repossessed, Your rights and obligations under this Contract immediately and automatically transfer to the Lienholder.
M. TRANSFER APPLICATION
To transfer this Contract, complete the form on the bottom of this page and mail it with copies of Your maintenance records and Your copy of this Contract to the Administrator
Obligor at the following address: First Automotive Service Corporation, P.O. Box 30250, Albuquerque, NM 87190, 1-866-410-6748. Transfer will be valid when the new owner
receives a confirmation letter from First Automotive Service Corporation.

Administrator Obligor:
I, _____________________ (transferor), am transferring this Contract in accordance with the provisions stated in this Contract. I am enclosing a $50.00 check or money order

payable to First Automotive Service Corporation. I have provided to the new owner/transferee and the Administrator Obligor, copies of all receipts for the maintenance and
servicing of the Vehicle as required by this Contract.
Name of New Owner/ Transferee ___________________________________ Contract # _______________________ VIN # ____________________________
Address _______________________________________________________ City ____________________________ State_________ Zip _____________
Date of Transfer _________________________________________________ Odometer Mileage on Date of Transfer _______________________________
Signature of Transferee __________________________________________ Date ___________________
Signature of Transferor ___________________________________________ Date ___________________

Not required to mail
STATE or fax this AND
REQUIREMENTS copy to Credit Acceptance
DISCLOSURES
THIS CONTRACT IS AMENDED TO COMPLY WITH THE FOLLOWING STATE REQUIREMENTS AND DISCLOSURES:
ALABAMA
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is added: “Cancellation By Us”, “If We cancel this Contract for any reason, written notice will be sent to You at Your
last known address with at least five (5) days’ notice prior to cancellation. Prior notice is not required if the reason of cancellation is nonpayment of the Administrator fee or a material misrepresentation by You to
Us relating to the Vehicle or its use. Prior notice shall state the effective date of cancellation and the reason for the cancellation.”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is added: “If a claim has not been made under this Contract and a full refund is due to You at any time, a ten percent (10%)
penalty per month will be added to the refund if it is not paid or credited within forty-five (45) days after the return of the Contract to Us.”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is amended: “Extended Coverage Cancellation”, “If this Contract is cancelled after the first thirty (30) days past the
Vehicle/Contract Sale Date, but before the expiration of the Manufacturer Basic Warranty by time or miles (whichever occurs first), You will be entitled to a full refund of the Contract Price less a twenty-five
dollar ($25.00) cancellation fee.”, “If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date and the Manufacturer Basic Warranty has expired by time or miles (whichever
occurs first), You will be entitled to a pro rata refund of the Contract Price, less a twenty-five dollar ($25.00) cancellation fee.”; “Standard Coverage Cancellation”, “If this Contract is cancelled after the first thirty
(30) days past the Vehicle/Contract Sale Date, You will be entitled to a pro rata refund of the Contract Price, less a twenty-five dollar ($25.00) cancellation fee.”
ALASKA
Within the “Definitions” section of this Contract, the following sentence(s) is amended: ““Administrator Obligor”, “Administrator” and “Provider” means Dealers Alliance Corporation, P.O. Box 30250,
Albuquerque, NM 87190, 1-800-519-1566.”
Within the “Administrator Obligor” section of this Contract, the following sentence(s) is amended: “If a covered claim is not paid within thirty (30) days after proof of loss has been filed, You may file a claim with
Dealers Assurance Company at the address listed above.”
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is added: “Cancellation By Us”, “We reserve the right to cancel this Contract with at least five (5) days’ written notice
prior to cancellation to Your last known address for: (1) nonpayment of the Administrator fee; (2) Your conviction of a crime which involves an act that increases a hazard covered by this Contract; (3) discovery
of fraud or material misrepresentation by You or a representative of You, in obtaining this Contract or in pursuing a claim under this Contract; (4) discovery of a grossly negligent act or omission by You that
substantially increases the hazards covered by this Contract; (5) physical changes in the Vehicle that result in the Vehicle becoming ineligible for coverage; or (6) a substantial breach of contractual duties by You
related to the covered Vehicle.”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is added: “If a full refund is due to You at any time, a penalty in the amount of ten percent (10%) of the unearned Provider Fee
for each month the refund remains unpaid shall be added to the refund for each month the refund remains unpaid if Your refund is not paid or credited within forty-five (45) days after the return of the Contract to
Us.”, “If this Contract is cancelled by Us, You will receive a pro rata refund and a penalty in the amount of ten percent (10%) of the unearned Provider Fee for each month the refund remains unpaid shall be
added to the refund for each month the refund remains unpaid if Your refund is not paid or credited within forty-five (45) days after cancellation.”
Vehicle/Contract Sale Date, but before the expiration of the Manufacturer Basic Warranty by time or miles (whichever occurs first), You will be entitled to a full refund of the Contract Price less a cancellation
fee not to exceed seven and a half percent (7.5%) of the Contract Price or fifty dollars ($50), whichever is less.”, “If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date
and the Manufacturer Basic Warranty has expired by time or miles (whichever occurs first), You will be entitled to a pro rata refund of the Contract Price, less a cancellation fee not to exceed seven and a half
percent (7.5%) of the Contract Price or fifty dollars ($50), whichever is less.”; “Standard Coverage Cancellation”, “If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date,
You will be entitled to a pro rata refund of the Contract Price, less a cancellation fee not to exceed seven and a half percent (7.5%) of the Contract Price or fifty dollars ($50), whichever is less.”
ARIZONA
All exclusions only apply to occurrences after the Vehicle/Contract Sale Date.
Within the “Exclusions – What this Contract Does Not Cover” section of this Contract, the following sentence(s) is deleted: “Any Vehicle with a branded title (e.g. salvage, junk, rebuilt, total loss, flood, fire, or gray
market).”; “Any Vehicle that has had the manufacturer’s warranty revoked, voided, or cancelled; or any Vehicle that never came with a manufacturer warranty.”
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is added: “Cancellation By Us”, “The Administrator may not cancel this Contract or void coverage under this Contract
due to (1) Our acts or omissions in failing to provide correct information or to perform services or repairs in a timely, competent, and workmanlike manner, (2) pre-existing conditions, (3) prior use or unlawful acts
relating to the covered Vehicle, (4) Our misrepresentation, and (5) ineligibility of the Vehicle for coverage under the program. For purposes of the foregoing sentence, the words We and Our refer to the
Administrator Obligor and all representatives, assignees, and subcontractors of the Administrator Obligor. Cancellation: You will be refunded on a pro-rata basis with no deduction for a claim incurred or paid
under this Contract.”
ARKANSAS
fee not to exceed fifty dollars ($50.00).”, “If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date and the Manufacturer Basic Warranty has expired by time or miles
(whichever occurs first), You will be entitled to a pro rata refund of the Contract Price, less a cancellation fee not to exceed fifty dollars ($50.00).”; “Standard Coverage Cancellation”, “If this Contract is cancelled
after the first thirty (30) days past the Vehicle/Contract Sale Date, You will be entitled to a pro rata refund of the Contract Price, less a cancellation fee not to exceed fifty dollars ($50.00).”
CONNECTICUT

Arbitration and Resolution of Disputes for Connecticut Residents: If there is a dispute regarding the terms of this Service Contract or the coverage of any claim filed with Us, We will make a reasonable effort to
resolve the dispute with You. If We are unable to resolve the dispute, You may file a formal written complaint with the Consumer Affairs Division of the Connecticut Insurance Department. The complaint must
contain a short and plain description of the dispute, including the efforts made to resolve the dispute and the results of those efforts, the purchase price or lease price of Your covered Vehicle, the cost of any
disputed repairs, and a copy of this Service Contract document. The complaint should be mailed to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 06142-0816, Attention: Consumer
Affairs.
Your complaint will be reviewed by an examiner, who will attempt to mediate the dispute. If the mediation efforts are unsuccessful, Your complaint will be referred to the Arbitration Unit of the Connecticut
Insurance Department for further resolution through arbitration. Unless either party objects to binding arbitration of the dispute by filing a written objection with the examiner within ten (10) days after notice that the
matter has been referred to arbitration, the decision of the arbitrator will be binding on both parties. A more detailed description of the arbitration procedure is set forth in Sections 42-260-1 through 42-260-5 of the
Connecticut Administrative Code.
You have a right to cancel this Service Contract if You return the Vehicle or if the Vehicle is sold, lost, stolen or destroyed. If this Service Contract is for less than one year of coverage, this Contract will be
extended while Your Vehicle is being repaired. This Service Contract does not include in-home service. The costs of transporting the Vehicle will not be paid for by the Administrator.
GEORGIA
Within the “Exclusions – What this Contract Does Not Cover” section of this Contract, the following sentence(s) is amended: “The repair or replacement of any motor vehicle component that was not operating
properly in accordance with manufacturer’s specifications known to You at the time this Service Contract was sold (i.e. pre-existing conditions).”, “A Breakdown caused by or involving modifications or additions
to Your Vehicle, made by You or with Your knowledge, unless those modifications or additions were performed or recommended by the Vehicle Manufacturer.”, “Damage due to the alteration, modification, or
use of Your Vehicle in a manner not recommended by the manufacturer by You or with Your knowledge, including the use of “non-stock” or modified parts.”, “Your Vehicle is modified by You or with Your
knowledge from the Vehicle Manufacturer’s original specifications. ”
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is amended: “Cancellation By the Us”, “We reserve the right to cancel this Contract with at least ten (10) days’ written
notice prior to cancellation to Your last known address if the Lienholder advises Us that You have defaulted in Your obligations to repay the amount financed by the Lienholder. If We cancel this Contract due to
the discovery of fraud or material misrepresentation, a thirty (30) day written notice prior to cancellation will be sent to Your last known address. Prior notice shall state the effective cancellation date and the
reason for cancellation. If We cancel this Contract for any reason, You will be refunded a pro-rated amount of the amount paid for the Service Contract, without any deductions.”
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is added: “Cancellation by the Lienholder”, “The Lienholder must hold a power of attorney in order to cancel this
Contract due to Your default in Your obligations to such Lienholder.”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is amended: “Extended Coverage Cancellation”, “If this Contract is cancelled within the first thirty (30) days after the
Vehicle/Contract Sale Date, You will be entitled to a one hundred percent (100%) refund of the Contract Price.”, “If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date,
but before the expiration of the Manufacturer Basic Warranty by time or miles (whichever occurs first), You will be entitled to a one hundred percent (100%) refund of the Contract Price, less a fee not to exceed
ten percent (10%) of the pro rata refund or fifty dollars ($50), whichever is less.”, “If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date and the Manufacturer Basic
Warranty has expired by time or miles (whichever occurs first), You will be entitled to a pro rata refund of the Contract Price, less a fee not to exceed ten percent (10%) of the pro rata refund or fifty dollars ($50),
whichever is less.”; “Standard Coverage Cancellation”, “If this Contract is cancelled within the first thirty (30) days after the Vehicle/Contract Sale Date, You will be entitled to a one hundred percent (100%)
refund of the Contract Price.”, “If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date, You will be entitled to a pro rata refund of the Contract Price, less a fee not to
exceed ten percent (10%) of the pro rata refund or fifty dollars ($50), whichever is less.”

HAWAII
Albuquerque, NM 87190, 1-800-519-1566.”
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is added: “Cancellation By Us”, “If We cancel this Contract, mailed notice will be sent to Your last known address with
at least five (5) days’ notice of cancellation. Prior notice shall state the effective cancellation date and the reason for cancellation. Prior notice is not required if this Contract is cancelled by the Administrator for:
(1) nonpayment of the Administrator fee; (2) material misrepresentation to Us; or (3) a substantial breach of contractual duties by You related to the covered Vehicle or its use.”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is added: “If a refund is due to You under this Contract, a ten percent (10%) penalty per month will be added to Your refund if
it is not paid or credited within forty-five (45) days of return of the Contract to Us.”
IDAHO
Coverage afforded under this Service Contract is not guaranteed by the Idaho Insurance Guarantee Association.
ILLINOIS
The Administrator Obligor is First Automotive Service Corporation, a New Mexico Corporation, P.O. Box 30250, Albuquerque, NM 87190, 1-800-634-4333.
Within the “Exclusions – What this Contract Does Not Cover” section of this Contract, the following sentence(s) is added: “This Service Contract does not apply to any Breakdown or Mechanical Breakdown
caused by normal and abnormal wear and tear.”
Vehicle/Contract Sale Date, but before the expiration of the Manufacturer Basic Warranty by time or miles (whichever occurs first), You will be entitled to a full refund of the Contract Price, less a cancellation
INDIANA
Your proof of payment to the issuing dealer for this Contract shall be considered proof of payment to the insurance company, which guarantees Our obligation to You, providing such insurance was in effect at the
time You purchased this Contract.
This Service Contract is not insurance and is not subject to Indiana insurance law
IOWA
If You have any questions regarding this Contract, You may contact the Provider by mail or by phone. Refer to the application for the Provider’s address and toll-free number. Iowa residents only may also
contact the Iowa Insurance Commissioner at the following address: Iowa Insurance Division, Two Ruan Center, 601 Locust Street, 4th Floor, Des Moines, Iowa 50309-3738, 515-281-5705.
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is added: “Cancellation By You”, “If this Contract is cancelled by You, We shall mail a written notice of termination to
You with fifteen (15) days of the date of cancellation.”
it is not paid or credited within thirty (30) days of return of the Contract to Us.”
LOUISIANA
Albuquerque, NM 87190, 1-800-519-1566.”
MAINE
at least fifteen (15) days’ notice of cancellation. Prior notice shall state the effective cancellation date and the reason for cancellation.”
fee not to exceed ten percent (10%) of the Provider Fee or fifty dollars ($50), whichever is less.”, “If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date and the
Manufacturer Basic Warranty has expired by time or miles (whichever occurs first), You will be entitled to a pro rata refund of the Contract Price, less a cancellation fee not to exceed ten percent (10%) of the
Provider Fee or fifty dollars ($50), whichever is less.”; “Standard Coverage Cancellation”, “If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date, You will be entitled to a
pro rata refund of the Contract Price, less a cancellation fee not to exceed ten percent (10%) of the Provider Fee or fifty dollars ($50), whichever is less.”

it is not paid or credited within thirty (30) days of return of the Contract to Us.”
MARYLAND
MASSACHUSETTS
NOTICE TO CUSTOMER: PURCHASE OF THIS CONTRACT IS NOT REQUIRED IN ORDER TO REGISTER OR FINANCE YOUR VEHICLE. THE BENEFITS PROVIDED MAY DUPLICATE EXPRESS
MANUFACTURER’S OR SELLER’S WARRANTIES THAT COME AUTOMATICALLY WITH EVERY SALE. THE SELLER OF THIS COVERAGE IS REQUIRED TO INFORM YOU OF ANY WARRANTIES
AVAILABLE TO YOU WITHOUT THIS CONTRACT.
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is added: “Cancellation By Us”, “If We cancel this Contract, mailed notice will be sent to Your last known address prior
to cancellation. Prior notice shall state the effective cancellation date and the reason for cancellation.”
MINNESOTA
Section 325F.662 of the Minnesota Statutes requires the Selling Dealer to provide You with an express warranty of a specified duration in connection with the sale of any used car. The terms of the express
warranty are contained in the used car buyer’s guide or limited warranty document furnished to You by the Selling Dealer. Any loss covered under the Selling Dealer’s express warranty furnished pursuant to
Section 325.F.662 is excluded from coverage under this Contract during the term of the express warranty unless the Selling Dealer becomes unable to meet its obligations, provided such loss is otherwise
covered by this Contract. If You purchased a used Vehicle, upon request and payment of $10.00, the Administrator will provide a copy of the owner’s manual to You.
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is added: “Cancellation By Us”, “If We cancel this Contract, mailed notice will be sent to Your last known address with at least
fifteen (15) days’ notice of cancellation. If We cancel this Contract for: (1) nonpayment of the Provider Fee; (2) material misrepresentation; or (3) substantial breach of duties by You relating to the covered Vehicle or its
use, mailed notice will be sent to Your last known address with at least five (5) days’ notice of cancellation. Prior notice shall state the effective cancellation date and the reason for cancellation.”
MISSOURI
Within the “What to do if Your Vehicle Sustains a Breakdown” section of this Contract, the following sentence(s) is amended: “If emergency repairs covered by this Service Contract are required outside the
Administrator’s business hours, You should deliver Your Vehicle to a Licensed Repair Facility and have the necessary repairs performed at a reasonable and customary charge. As soon as reasonably
possible, You should report the repairs to the Administrator. Emergency repairs are only those repairs, which, if not performed, would impair the future operation of Your Vehicle, or render it inoperable or unsafe
to drive. Reimbursement for such repairs will not be considered outside of the aforementioned parameter or timeframe.”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is amended: “Extended Coverage Cancellation”, “If this Contract is cancelled within the free look period (the first thirty (30)
days from the Vehicle/Contract Sale Date), You will be entitled to a full refund of the Contract Price.”, “If this Contract is cancelled after the free look period (the first thirty (30) days from the Vehicle/Contract
Sale Date), but before the expiration of the Manufacturer Basic Warranty by time or miles (whichever occurs first), You will be entitled to a full refund of the Contract Price less a cancellation fee not to exceed
fifty dollars ($50.00).”, “If this Contract is cancelled after the free look period (the first thirty (30) days from the Vehicle/Contract Sale Date) and the Manufacturer Basic Warranty has expired by time or miles
within the free look period (the first thirty (30) days from the Vehicle/Contract Sale Date), You will be entitled to a full refund of the Contract Price.”, “If this Contract is cancelled after the free look period (the first
thirty (30) days from the Vehicle/Contract Sale Date), You will be entitled to a pro rata refund of the Contract Price, less a cancellation fee not to exceed fifty dollars ($50.00).”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is added: “If a refund is due to You under this Contract, a ten percent (10%) penalty of the amount outstanding per month will
be added to the refund if it is not paid or credited within 45 days of return of the Contract to Us.”

NEVADA
Within the “Exclusions – What this Contract Does Not Cover” section of this Contract, the following sentence(s) is amended: “Any Vehicle that has been repurchased by or had its price renegotiated with the
manufacturer. However, if the Vehicle manufacturer’s warranty becomes revoked or voided during the term of this Service Contract, this Service Contract will not deny all coverage. Rather, this Service
Contract will exclude any coverage that would otherwise have been provided under the manufacturer’s warranty. This Service Contract will continue to provide any coverage that would not otherwise have been
provided under the manufacturer’s warranty, unless such coverage is otherwise excluded by the terms of this Service Contract.”, “Any Mechanical Breakdown covered by an insurance entity, the manufacturer’s
warranty or recall, or any component with a warranty or “repairer’s guarantee” through a repair facility, until the limits of said insurance, warranty/recall or “repairer’s guarantee” are reached or expired. However,
any Mechanical Breakdown that is not covered under an insurance entity, warranty/recall or “repairer’s guarantee” will be eligible for coverage, subject to the terms and conditions of this Contract. Additionally, if
an insurance entity, the manufacturer, or repair facility notifies You that they will monetarily participate in a repair that has been authorized and paid by Us, then We will exercise Our right to recover the respective
amount.”
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is added: “Cancellation By Us”, “No Service Contract that has been in effect for at least 70 days may be canceled by
the Administrator before the expiration of the agreed term or one (1) year after the effective date of the Service Contract, whichever occurs first, except on any of the following grounds: (a) Failure by the
Contract Holder to pay an amount when due; (b) Conviction of the Contract Holder of a crime which results in an increase in the service required under the Service Contract; (c) Discovery of fraud or material
misrepresentation by the Contract Holder in obtaining this Service Contract, or in presenting a claim for service thereunder; (d) Discovery of: (1) an act or omission by the Contract Holder; or (2) a violation by
the Contract Holder of any condition of the Service Contract after the effective date of the Service Contract and which substantially and materially increases the service required under the Service Contract, (e)
A material change in the nature or extent of the required service or repair which occurs after the effective date of the Service Contract and which causes the required service or repair to be substantially and
materially increased beyond that contemplated at the time that the Service Contract was issued or sold. In the event this Contract is cancelled by Us, a cancellation fee will not be charged. You will receive a pro
rata refund determined by the following: divide the number of covered days remaining on the Contract by the original number of covered days, then multiply the quotient by the amount You paid for this Contract.
Cancellation of this Service Contract may not become effective until at least fifteen (15) days after a notice of cancellation is mailed to the Contract Holder.”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is added: “If a full refund is due to You under this Contract, and if the refund is not made within forty-five (45) days of return of
the Contract to Us, a penalty of ten percent (10%) of the Contract purchase price will be added to the refund for every month that the refund remains unpaid.”, “Under no circumstances will the cost of claims paid
or services provided be deducted from any refund.”
NEW HAMPSHIRE
If You have any questions regarding this Contract, You may contact the Administrator by mail or by phone. Refer to the application for the Administrator’s address and toll-free number. New Hampshire
residents only may also contact the New Hampshire Insurance Commissioner at the following address: New Hampshire Insurance Department, 21 Fruit Street, Suite 14, Concord, New Hampshire 03301. In the
event You do not receive satisfaction under this Contract, You may contact the New Hampshire insurance department.
NEW JERSEY
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is added: “If a full refund is due to You under this Contract, a ten percent (10%) penalty per month will be added to the refund
if it is not paid or credited within forty-five (45) days of return of the Contract to Us.”
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is added: “Cancellation By Us”, “We may cancel this Contract for any reason with written notice to the Contract
Holder’s last known address with at least 5 days’ notice of such cancellation. Prior notice is not required if the reason for cancellation is for: (1) non-payment of the Administrator fee; (2) material
misrepresentation; or (3) omission, or substantial breaches of contractual obligations concerning the Vehicle or its use. Prior notice shall state the effective cancellation date and the reason for cancellation.”
NEW MEXICO
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is added: “Cancellation By Us”, “No Service Contract that has been in effect for at least 70 days may be canceled by
the Administrator before the expiration of the agreed term or one (1) year after the effective date of the Service Contract, whichever occurs first, except on any of the following grounds: (a) Failure by the
Contract Holder to pay an amount when due; (b) Conviction of the Contract Holder of a crime which results in an increase in the service required under the Service Contract; (c) Discovery of fraud or material
misrepresentation by the Contract Holder in obtaining this Service Contract, or in presenting a claim for service thereunder; (d) Discovery of: (1) an act or omission by the Contract Holder; or (2) a violation by
the Contract Holder of any condition of the Service Contract after the effective date of the Service Contract and which substantially and materially increases the service required under the Service Contract, (e)
A material change in the nature or extent of the required service or repair which occurs after the effective date of the Service Contract and which causes the required service or repair to be substantially and
materially increased beyond that contemplated at the time that the Service Contract was issued or sold. In the event this Contract is cancelled by Us, a cancellation fee will not be charged. You will receive a pro
rata refund determined by the following: divide the number of covered days remaining on the Contract by the original number of covered days, then multiply the quotient by the amount You paid for this Contract.
Cancellation of this Service Contract may not become effective until at least fifteen (15) days after a notice of cancellation is mailed to the Contract Holder.”
if it is not paid or credited within sixty (60) days of return of the Contract to Us.”
NEW YORK
Holder’s last known address with at least fifteen (15) days’ prior to cancellation. Prior notice is not required if the reason for cancellation is for: (1) non-payment of the Service Contract price; (2) material
misrepresentation; or (3) substantial breach of duties by You concerning the Vehicle or its use. Prior notice shall state the effective cancellation date and the reason for cancellation.”
if it is not paid or credited within thirty (30) days of return of the Contract to Us.”
NORTH CAROLINA

fee not to exceed ten percent (10%) of the amount of the pro rata refund or fifty dollars ($50), whichever is less.”, “If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date
and the Manufacturer Basic Warranty has expired by time or miles (whichever occurs first), You will be entitled to a pro rata refund, less a cancellation fee not to exceed ten percent (10%) of the amount of the
pro rata refund or fifty dollars ($50), whichever is less.”; “Standard Coverage Cancellation”, “If this Contract is cancelled after the first thirty (30) days past the Vehicle/Contract Sale Date, You will be entitled to a
pro rata refund, less a cancellation fee not to exceed ten percent (10%) of the amount of the pro rata refund or fifty dollars ($50), whichever is less.”
OHIO
This Contract is not insurance and is not subject to the insurance laws of this state.
OKLAHOMA
Dealers Alliance Corporation, Oklahoma Identification Number: 861215
Albuquerque, NM 87190, 1-800-519-1566.”
THIS CONTRACT IS NOT ISSUED BY THE MANUFACTURER OR WHOLESALE COMPANY MARKETING THE PRODUCT. THIS CONTRACT WILL NOT BE HONORED BY SUCH MANUFACTURER OR
WHOLESALE COMPANY. Oklahoma service warranty Statutes do not apply to commercial use references in service warranty contracts. Coverage afforded under this Contract is not guaranteed by the
Oklahoma Insurance Guaranty Association.
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is amended: “Extended Coverage Cancellation”, “If this Contract is cancelled by You after the first thirty (30) days past the
Vehicle/Contract Sale Date, but before the expiration of the Manufacturer Basic Warranty by time or miles (whichever occurs first), You will be entitled to a full refund of the Contract Price.”, “If this Contract is
cancelled by You after the first thirty (30) days past the Vehicle/Contract Sale Date and the Manufacturer Basic Warranty has expired by time or miles (whichever occurs first), You will be entitled to a pro rata
refund.”; “Standard Coverage Cancellation”, “If this Contract is cancelled by You after the first thirty (30) days past the Vehicle/Contract Sale Date, You will be entitled to a pro rata refund.”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is added: “If We cancel this Contract at any time, You will be entitled to a full refund of the Contract Price.”
OREGON
Within the “Purchaser Signature” section of this Contract, the followings sentence is amended: "I understand the above information is subject to verification and this Contract may be rejected if any of the above
information is incorrect, or if the above Vehicle is ineligible for the term or coverage indicated, as determined by the Administrator Obligor in its discretion.”
Within the “Our Obligations” section of this Contract, the following sentence(s) is deleted: “In addition, if a dispute arises between the Licensed Repair Facility and Us, We reserve the right to relocate Your
Vehicle to a Licensed Repair Facility of Our choice.”
Within the “Our Obligations” section of this Contract, the followings sentence is amended: " At the discretion of the Administrator, a Covered Part may be replaced with new parts, remanufactured parts, or with
used parts of like kind and quality.”
possible, You should report the repairs to the Administrator.”

SOUTH CAROLINA
In the event of a dispute with the Administrator of this contract, You may contact the South Carolina Department of Insurance, Capitol Center, 1201 Main Street, Ste. 1000, Columbia, South Carolina 29201 or
(800) 768-3467.
Holder’s last known address with at least fifteen (15) days’ prior to cancellation. Prior notice is not required if the reason for cancellation is for: (1) non-payment of Provider Fee; (2) material misrepresentation by
You; or (3) substantial breach of duties by You concerning the Vehicle or its use. Prior notice shall state the effective cancellation date and the reason for cancellation.”
TEXAS
Should a Complaint arise regarding this Contract, you may send your Complaint in writing to the Administrator’s address listed within this Contract. Please identify the Contract Holder, Vehicle Identification
Number (VIN) and Contract number listed at the top of this Contract within Your complaint. Complaints will be handled individually and without prejudice.
All unresolved complaints concerning Us or questions concerning the regulation of service agreement administrators may be addressed to the Texas Department of Licensing and Regulation, P.O. Box 12157,
Austin, TX 78711, Tel. (800) 803-9202.
Pursuant to Section 1304.158, You may request reimbursement directly from the insurer if a refund or credit is not paid before the 46th day after the date on which the Contract is returned to the Administrator.
Holder’s last known address with at least five (5) days’ prior to cancellation. Prior notice is not required if the reason for cancellation is for: (1) non-payment of Provider Fee; (2) material misrepresentation by You;
or (3) substantial breach of duties by You concerning the Vehicle or its use. Prior notice shall state the effective cancellation date and the reason for cancellation.”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is amended: “Extended Coverage Cancellation”, “If this Contract is cancelled before the thirty-first (31st) day after the
Vehicle/Contract Sale Date, You will be entitled to a full refund of the Contract Price.”, “If this Contract is cancelled on or after the thirty-first (31st) day past the Vehicle/Contract Sale Date, but before the
expiration of the Manufacturer Basic Warranty by time or miles (whichever occurs first), You will be entitled to a full refund of the Contract Price, less a cancellation fee not to exceed fifty dollars ($50.00).”, “If
this Contract is cancelled on or after the thirty-first (31st) day past the Vehicle/Contract Sale Date and the Manufacturer Basic Warranty has expired by time or miles (whichever occurs first), You will be entitled
to a pro rata refund of the Contract Price, less a cancellation fee not to exceed fifty dollars ($50.00).”; “Standard Coverage Cancellation”, “If this Contract is cancelled before the thirty-first (31st) day after the
Vehicle/Contract Sale Date, You will be entitled to a full refund of the Contract Price.”, “If this Contract is cancelled on or after the thirty-first (31st) day past the Vehicle/Contract Sale Date, You will be entitled
to a pro rata refund of the Contract Price, less a cancellation fee not to exceed fifty dollars ($50.00).”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is added: “If a refund is due to You under this Contract, a ten percent (10%) penalty of the amount outstanding per month will
be added to the refund if it is not paid or credited within 45 days of return of the Contract to Us.”
UTAH
This Service Contract is subject to limited regulation by the Utah Insurance Department.
To file a complaint, contact the Utah Insurance Department.
Coverage afforded under this Contract is not guaranteed by the Utah Property and Casualty Guaranty Association.
The Contract purchase price is payable, in full, at the time of purchase.
Within the “Administrator Obligor Information” section of this Contract, the followings sentence is amended: "Obligations of the provider under this service contract are guaranteed under a service contract
reimbursement insurance policy. Should the provider fail to pay or provide service on any claim within 60 days after proof of loss has been filed, the contract holder is entitled to make a claim directly against the
Insurance Company.”
possible, You should report the repairs to the Administrator. Failure to notify the Administrator within the time specified herein does not invalidate Your claim if You can demonstrate that it was not reasonably
possible to give the notice or file the proof of loss within the prescribed time and that notice was given or proof of loss was filed as soon as reasonably possible. If You cannot demonstrate that it was not
reasonably possible to give notice or file the proof of loss within the prescribed time, reimbursement for repairs outside of the aforementioned parameter or timeframe will not be considered.”
Within the “Definitions” section of this Contract, the following sentence is deleted: ““Emergency Repairs” means only those repairs, which, if not immediately performed, would impair the future operation of Your
Vehicle or render it inoperable or unsafe to drive.”
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is replaced: “Cancellation By Us”, “We may cancel this Contract with written notice to the Contract Holder’s last
known address with at least thirty (30) days’ prior to cancellation for the following reasons: (1) material misrepresentation related to the Vehicle; (2) substantial change in the risk assumed, unless the
Administrator has reasonably foreseen the change or contemplated the risk when entering into this Service Contract; (3) substantial breaches of contractual duties, conditions, or warranties by the Contract
Holder relating to the Vehicle. We may cancel this Contract with written notice to the Contract Holder’s last known address with at least ten (10) days’ prior to cancellation for: (1) non-payment. Prior notice
shall state the effective cancellation date and the reason for cancellation.”
WISCONSIN
THIS WARRANTY IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE.

Any reference to obtaining “PRIOR AUTHORIZATION” is amended as follows: “Prior to any repair being made, instruct the Licensed Repair Facility to contact the Administrator to obtain authorization for the
claim. Failure to obtain authorization prior to having repairs made will not invalidate or reduce a claim unless the Administrator is prejudiced by the Contract Holder’s failure to obtain authorization.”
Any reference to SUBROGATION is amended as follows: Any rights of subrogation by the Administrator will only apply after the Contract Holder has been made whole.
possible, You should report the repairs to the Administrator. Emergency repairs are only those repairs, which, if not performed, would impair the future operation of Your Vehicle, or render it inoperable or unsafe
to drive. Reimbursement for such repairs will not be considered outside of the aforementioned parameter or timeframe. Failure by the Contract Holder to give notice or proof within the time required by the
Service Contract does not invalidate or reduce the claim unless We are prejudiced by the failure to give notice.”
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is amended: “Cancellation By Us”, “We reserve the right to cancel this Contract and will not pay for a Covered
Breakdown with prior notice to the Contract Holder’s last known address with at least five (5) days’ prior to cancellation for the following reasons: (1) nonpayment of the Provider Fee; (2) material
misrepresentation by You related to the Vehicle; or (3) a substantial breach of duties by the You relating to the Vehicle. Prior notice shall state the effective cancellation date and the reason for cancellation.”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is amended: “Extended Coverage Cancellation”, “If this Contract is cancelled by You after the first thirty (30) days past the
fee not to exceed ten percent (10%) of the Provider Fee or fifty dollars ($50), whichever is less.”, “If this Contract is cancelled by You after the first thirty (30) days past the Vehicle/Contract Sale Date and the
Manufacturer Basic Warranty has expired by time or miles (whichever occurs first), You will be entitled to a pro rata refund of the Contract Price, less a cancellation fee not to exceed ten percent (10%) of the
Provider Fee or fifty dollars ($50), whichever is less.”; “Standard Coverage Cancellation”, “If this Contract is cancelled by You after the first thirty (30) days past the Vehicle/Contract Sale Date, You will be
entitled to a pro rata refund of the Contract Price, less a cancellation fee not to exceed ten percent (10%) of the Provider Fee or fifty dollars ($50), whichever is less.”
Within the “Refunds and Charges” section of this Contract, the following sentence(s) is added: “If We cancel this Contract at any time, Your refund shall be based upon one hundred percent (100%) of the
unearned pro rata premium, less a cancellation fee not to exceed ten percent (10%) of the Provider Fee.”; “If a refund is due to You under this Contract, a ten percent (10%) penalty of the amount outstanding per
month will be added to the refund if it is not paid or credited within 45 days of return of the Contract to Us.”; “NOTE: You will not receive a refund if this Service Contract has expired.”
WYOMING
Within the “Cancellation of this Contract” section of this Contract, the following sentence(s) is amended: “Cancellation by the Lienholder”, “You understand and acknowledge that the Lienholder (if any) has the
right to cancel this Contract if the Vehicle is repossessed or destroyed.”
at least ten (10) days’ notice of cancellation. Prior notice shall state the effective cancellation date and the reason for cancellation. Prior notice is not required if this Contract is cancelled by the Administrator for:
(1) nonpayment of the Provider Fee; (2) material misrepresentation by You related to the Vehicle; or (3) a substantial breach of duties by You related to the covered Vehicle or its use. Prior notice shall state the
effective cancellation date and the reason for cancellation.”

*C-0068883614-1* 0068883614-1
GAP Acceptance of Coverage
I WOULD
NOTICE: GAP VOLUNTARY NOT REQUIRED GAP IS NOT
COPY OF ELECTRONIC ORIGINAL eSigned By:
Lester Rosado-matias Aug 13, 2018 12:39:21 PM EDT
LESTER ROSADO-MATIAS
eSigned By:
Wanda Ortiz-ramos Aug 13, 2018 12:41:27 PM EDT
WANDA ORTIZ-RAMOS
eSigned By:
Ryan Kennedy Aug 13, 2018 12:42:32 PM EDT

08/13/2018
© 2012 Credit Acceptance Corporation. All Rights Reserved.

CAGAP Acceptance 4/05
*C-0068883613-1*
WYNN’S GAP
Phoenix American Administrators, Inc.
6303 Blue Lagoon Dr., Suite 225, Miami, FL 33126

0068883613-1
GAP WAIVER ADDENDUM

WAIVER NO: #10001462495
(800) 745-4441
*Not affiliated with Wynn Oil Company
Entered into by and between the Buyer (Called “You” and “Your”) and the Dealer/Assignee/Lienholder, as shown below.
CONTRACT INFORMATION
Buyer Name Co-Buyer Name
LESTER ROSADO-MATIAS WANDA ORTIZ-RAMOS
Address Address
4353 STONEBRIDGE DR SW Apt. # 9 4353 STONEBRIDGE DR SW Apt. # 9
City State Zip City State Zip
WYOMING MI 49519 WYOMING MI 49519
Telephone Telephone
616-212-8313
DEALER INFORMATION ASSIGNEE/LIENHOLDER INFORMATION
Selling Dealer Name Assignee/Lienholder Name
BERGER CHEVROLET, INC. CREDIT ACCEPTANCE CORP.
Address Address
2525 28TH STREET 25505 West Twelve Mile Road
City State Zip City State Zip
GRAND RAPIDS MI 49512 Southfield MI 48034
Telephone Dealer Account Code Telephone
616-575-9683 58V 248-353-2700
FINANCIAL AGREEMENT INFORMATION
Financial Agreement Financial Agreement Date Financial Agreement Account #
RETAIL INSTALLMENT CONTRACT 08/13/2018 91336039
Financial Agreement Term In Months GAP Waiver Term In Months GAP Waiver Cost $
60 months 60 months $686.00
Amount Financed $ 19,980.26 MSRP/NADA $ N/A
Indiana, Kansas, and South Carolina Only
VEHICLE INFORMATION
Vehicle Identification Number (VIN) Current Odometer Reading
2G1FA1E39F9137302 13,408
Year Make Model Vehicle Type
2015 Chevrolet Camaro
New Vehicle Used Vehicle
MAXIMUM PRIMARY INSURANCE DEDUCTIBLE: $1,000. In Alaska You are responsible for all of Your Deductible.
This Addendum amends the Financial Agreement and is available only at the time the Financial Agreement is executed and ONLY if monthly payments

are required. Any Vehicle with a branded title is not eligible for coverage.
This Addendum is not a contract of insurance, does not provide general liability or casualty coverage, and does not fulfill the requirements of any
financial responsibility law. GAP is not a substitute for collision or property damage insurance.
The purchase of this GAP Waiver Addendum is not required in the credit approval process and neither the extension of credit, the terms of the credit,
nor the terms of the related motor vehicle sale, may be conditioned upon the purchase of the GAP Waiver Addendum. This GAP Waiver will not be
provided unless you sign and agree to pay the additional cost. The cost of this GAP Waiver Addendum may be paid in payments.
I (Buyer(s)) acknowledge that the information listed above is, to the best of my knowledge, true and correct. I have read, understood, and accept all of
the provisions of this GAP Waiver Addendum. No verbal representations have been made to Me that differ from these provisions. I UNDERSTAND THAT
A CANCELLATION REQUESTED WITHIN THIRTY (30) DAYS AFTER THE PURCHASE DATE OF THIS ADDENDUM WILL RESULT IN A FULL REFUND OF
THE GAP WAIVER COST, PROVIDED THAT NO WAIVER BENEFIT HAS BEEN OR WILL BE PAID. I understand that a cancellation request received more
than thirty (30) days after the Purchase Date of this Addendum will result in a partial refund of the GAP Waiver Cost determined using the Rule of 78s. If
the charge to You for the Addendum was included in the financing of the Vehicle, the Assignee/Lienholder of the GAP Waiver Addendum will be named
sole payee on any refund if this GAP Waiver Addendum is terminated due to repossession or cancellation.
NOTE: This GAP Waiver Addendum does not provide property damage, liability, or collision insurance and does not comply with any financial
responsibility law or any other law mandating motor vehicle insurance coverage.
I ACCEPT THIS GAP WAIVER ADDENDUM AND AGREE TO PAY THE GAP WAIVER COST: (Only available at the time the original Financial Agreement
is executed.)
If the GAP Waiver Cost was included in the financing of the Vehicle, any refund will be applied to the Financial Agreement if there is an amount still
outstanding or, if there is no amount outstanding, any refund will be paid to You. See Section “II. TERM; CANCELLATION; ASSIGNMENT” for a description
of Your full cancellation rights and when this GAP Addendum will be deemed terminated.
__________________________________________ Aug 13, 2018 12:39:26 PM EDT 08/13/2018
________________
Wanda Ortiz-ramos 08/13/2018
__________________________________________ ____________________
Aug 13, 2018 12:41:33 PM EDT
Buyer Signature(s) Date Co-Buyer Signature Date

eSigned By:
Ryan Kennedy , Agent ________________

__________________________________________ 08/13/2018
Aug 13, 2018 12:42:39 PM EDT
Authorized Representative Signature/Title Date
WGAPCA 101 (03/18) Page 1 of 7 9P0264

This Addendum is subject to the following Terms and Conditions. No Dealer/Creditor or Program Administrator has received Your
person has the right to change this Addendum or to waive any of the Terms notice in accordance with this paragraph.
and Conditions herein. This Addendum is for the sole benefit of You as If the Vehicle is repossessed, the Assignee/Lienholder is
identified above, and applies only to the Vehicle described on Page 1. authorized to initiate cancellation and receive the refund, as the
For customers in the state of Indiana, if you have a complaint or require sole payee.
additional information, contact the Department of Financial Institutions at 3. ASSIGNMENT: This Addendum is not transferable by You. The
30 S. Meridian Street, Suite 300, Indianapolis, IN 46204 or phone Assignee/Lienholder may transfer its obligations hereunder at any
(800) 382-4880. time without notice.
I. COVERAGE III. DEFINITIONS
In the event of a Total Loss of the Vehicle, as described herein, and As used in this Addendum, unless otherwise stated, the following
subject to all the terms and conditions of this Addendum, Dealer and terms shall have the meanings set forth below:
the Assignee/Lienholder agree to waive all sums equal to the
1. ACTUAL CASH VALUE/ACV means the Primary Insurance Payout
difference between the Actual Cash Value of the Vehicle and the
to You, less (A) the Deductible (subject to the limitations set forth
Outstanding Balance as of the Date of Loss, subject to the
below), if any, paid by You to Your Primary Insurance provider, and,
Exclusions herein. The following shall not be waived: (i) any part of the
to the extent not taken into account in the Primary Insurance Payout,
Deductible over one thousand dollars ($1,000) owed and/or paid by
plus (B) any Vehicle Options, if any, not considered in the Primary
You under the terms of Primary Insurance; (ii) in no event any amount
Insurance Payout, plus or less (C) any Primary Insurance
over fifty thousand dollars ($50,000); and (iii) in Alaska, any part of the
Adjustments, and (D) as adjusted according to the Vehicle’s mileage
Deductible owed and/or paid by You under the terms of Primary
and any special Vehicle program or eligibility limitations; provided in
Insurance. For purposes of clarification, You will always remain
the event that there is no Primary Insurance coverage in effect on the
responsible for the payment of any amount of Primary Insurance
Vehicle as of the Date of Loss, ACV shall mean the average retail
Deductible over one thousand dollars ($1,000); in Alaska, You are
value of the Vehicle immediately preceding the Total Loss on the Date
responsible for the entire amount of the Deductible.
of Loss, as per the NADA Vehicle Appraisal Guide or an industry
YOU ACKNOWLEDGE AND AGREE THAT COVERAGE UNDER accredited equivalent market value reference manual, taking into
THIS ADDENDUM IN THE EVENT OF A TOTAL LOSS MAY NOT BE account and adjusted in the same manner as items (B), (C) and (D)
EQUIVALENT TO AND THUS MAY DIFFER FROM THE above.
DIFFERENCE BETWEEN THE LOAN PAYOFF AMOUNT AND THE
2. ADDENDUM means this GAP Waiver Addendum, bearing the number
PRIMARY INSURANCE PAYOUT. NOTE: In the event of a Total
identified on Page 1.
Loss and sums due under the Financial Agreement have been
waived, the GAP Waiver Cost paid by You shall be considered fully 3. ASSIGNEE/LIENHOLDER means any financial institution providing
earned. financing for the purchase of the Vehicle and/or this Addendum.
II. TERM; CANCELLATION; ASSIGNMENT 4. COMMERCIAL PURPOSES means usage of the Vehicle in
furtherance of a business purpose. Examples of Commercial
1. TERM: This Addendum begins on the Effective Date and expires
Purposes include: passenger vehicles designated as one (1) ton or
upon the earliest of: (1) the original termination date of the Financial
less that are used for construction, route sales and/or route service,
Agreement; (2) the early termination of the Financial Agreement; or
maintenance and repair, or lawn care. This Addendum does not cover
(3) on the passage of the number of months selected in the GAP
non-passenger vehicles; passenger vehicles designated as greater
Coverage Term on Page 1. No coverage will be provided for a Total
than 12,500 Gross Vehicle Weight Rating (GVWR); vehicles used for
Loss following the expiration of this Addendum.
taxi, shuttle or limousine service; any law enforcement or fire service
2. CANCELLATION, EARLY TERMINATION AND REFUND: If a claim vehicle; any rental vehicle; any commercial towing vehicle; high cube

under this Addendum has not been made, You may voluntarily vans and box body vans; vehicles equipped as a tow truck; and
terminate this Addendum early by notifying the Program vehicles equipped with a snowplow, dump bed, or hoisting, lifting or
Administrator or Assignee/Lienholder of Your intent to terminate similar equipment.
early. The termination date will be the date the Program
5. DATE OF LOSS means the date on which a Total Loss of the Vehicle
Administrator/Assignee/Lienholder receives Your notice.
occurred.
This Addendum will be deemed terminated early if any of the
6. DEALER means the selling dealer listed on Page 1 in this Addendum
original Financial Agreement terms are changed or altered, if the
that sold or leased the Vehicle to You.
original Financial Agreement is refinanced, or if the Financial
Agreement is paid off early. The deemed termination date will be 7. DEDUCTIBLE means the out-of-pocket amounts that You have to pay
the date of the event that caused the deemed early termination. in connection with Primary Insurance Payout.
If You voluntarily terminate this GAP Addendum in accordance 8. EFFECTIVE DATE means the date the Financial Agreement and this
with the provisions herein within thirty (30) days after the Addendum were purchased; the Addendum must be purchased at
Purchase Date of this GAP Addendum, You will be entitled to a full the same time as the Vehicle.
refund of the GAP Waiver Cost. In all other situations where there 9. FINANCIAL AGREEMENT means the legal document(s) signed by
is a voluntary or deemed early termination, You will be entitled to You and Assignee/Lienholder that state the terms, conditions,
a partial refund of the GAP Waiver Cost determined using the Rule inception date, and expiration date evidencing the loan/retail installment
of 78s. Any refund will be applied to the Financial Agreement if sales contract or lease relating to the Vehicle.
there is an amount still outstanding or, if there is no amount
outstanding, any refund will be paid to You by the Program 10. I/ME/YOU/YOUR means the Buyer(s) of this Addendum.
Administrator or the Dealer/Assignee/Lienholder. 11. LOAN PAYOFF AMOUNT means the amount in U.S. currency required
In the event of a voluntary or deemed early termination, the to pay the balance due to the Dealer or Assignee/Lienholder under
Dealer/Assignee/Lienholder has no responsibility to process a the Financial Agreement as determined by Assignee/Lienholder as
refund until You provide notice of early termination to the of the Date of Loss.
Dealer/Assignee/Lienholder or Program Administrator. Your 12. OUTSTANDING BALANCE means the Loan Payoff Amount, less
notice should include Your name and address, the Financial (A) any Past Due Amount or unearned and/or future finance charges,
Agreement number, the reason for the early termination, and the and less (B) any proceeds that may be recoverable from the
date of the event (if the termination was not voluntary). If You have cancellation of any items such as a service contract, credit life, accident
any questions about how to provide notice, contact the or health insurance, or similar items that are included in the Financial
Dealer/Assignee/Lienholder or call the Program Administrator at Agreement. This amount shall not include, amongst other amounts,
(800) 745-4441. You may not start a legal action or other any and all unearned and/or future interest, finance or lease charges,
proceeding for a refund until sixty (60) days after the late charges, missed payments, late payments, shorts payments,
WGAPCA 101 (03/18) Page 2 of 7 9P0264

deferred payments, uncollected service charges, repossession fees, 11. Caused by or resulting from any repairing, restoration, or remodeling
disposition fees, termination fees, penalty fees, or charges related to process by You or on Your behalf;
scheduled non-uniform payments. 12. Occurring due to repossession of the Vehicle;
13. PAST DUE AMOUNT means any payment as required by the 13. For any amounts deducted from the Primary Insurance Payout due
Financial Agreement that remains unpaid for more than fifteen (15) to wear and tear, prior damages, towing and storage, unpaid insurance
days after the due date set forth in the Financial Agreement, and premiums including late fees and interest charges, or retained salvage;
includes any penalties, finance or other charges that have accrued or
have been levied on Your account under the Financial Agreement as 14. Occurring outside of the Territory;
a result of any late payments. 15. As a result of a mechanical failure in the Vehicle;
14. PRIMARY INSURANCE means in force comprehensive and collision 16. As a result of the owner or driver of the Vehicle failing to take
insurance coverage as required under the terms and conditions of the reasonable precautions against theft;
Financial Agreement. 17. As a result of theft not being reported by You, or any other person
15. PRIMARY INSURANCE ADJUSTMENTS means the amount of any acting under Your authority or with Your permission, to the police within
adjustments by the Primary Insurance provider when determining the twenty-four (24) hours of notice to You that the Vehicle is missing;
Primary Insurance Payout as of the Date of Loss including but not 18. As a result of a willful, wanton or recklessly negligent act by You or any
limited to, wear and tear, prior damages, towing and storage, unpaid other person acting under Your authority or with Your permission in
insurance premiums including late fees and interest charges, or respect of the Vehicle; or
retained salvage. In the event that there is no Primary Insurance
coverage in effect as of the Date of Loss, Primary Insurance 19. If the Vehicle was being operated at the time of a Total Loss by an
Adjustments shall mean any previous claims paid to You or for Your person not in possession of a current and valid driver’s license.
benefit by any insurance provider in connection with any unrepaired In addition, the coverage limits set forth in this Addendum, including without
prior damages on the Vehicle prior to the Date of Loss. limitation those limits in “Section III. (DEFINITIONS),” shall be construed
16. PRIMARY INSURANCE PAYOUT means the total amount paid to You to apply as agreed upon exclusions by You hereunder. Nothing herein shall
by the Primary Insurance provider for a Total Loss. be construed to exclude coverage on the basis of any specific law
prohibiting such exclusion, which law shall govern as applicable in respect
17. PROGRAM ADMINISTRATOR means Phoenix American thereof, and You irrevocably and unconditionally agree to waive and not
Administrators, Inc., as identified in “Section VI. (CLAIMS make any argument to the contrary in any dispute hereunder.
PROCEDURES).”
V. SCOPE OF DISCLOSURES
18. TERRITORY means the continental United States of America, Alaska,
and Hawaii. This Addendum provides disclosures relating only to this Addendum. For
other disclosures relating to the Vehicle, Primary Insurance or any other
19. TOTAL LOSS means, (i) where there is Primary Insurance, when the products related to the Vehicle, refer to the Financial Agreement.
primary insurer determines that the Vehicle is no longer operable and
determines that a Primary Insurance Payout is owed to You under VI. CLAIM PROCEDURES
Primary Insurance;(ii) when there is no Primary Insurance, when the IT IS YOUR RESPONSIBILITY TO KEEP YOUR ACCOUNT CURRENT
cost to repair the Vehicle is greater than or equal to the ACV of the UNTIL CLAIM REVIEW IS COMPLETE. YOU HEREBY ACKNOWLEDGE
Vehicle immediately prior to the Date of Loss; or (iii) because the AND AGREE THAT THE NOTICE PROVISIONS HEREIN CONSTITUTE
Vehicle has been stolen and not recovered within thirty (30) days after MATERIAL TERMS OF THIS ADDENDUM, AND THAT ANY BREACH
the Date of Loss. THEREOF BY YOU SHALL CONSTITUTE A MATERIAL BREACH OF
20. VEHICLE means Your motor Vehicle financed under the Financial YOUR OBLIGATIONS HEREUNDER AND MAY RESULT IN VOIDANCE
Agreement, and as described in the “Vehicle Information” section on OF COVERAGE HEREUNDER. In the event of a Total Loss, You shall
Page 1, and that is primarily garaged in the Territory. The Vehicle promptly provide complete and legible copies of the documentation listed

shown on Page 1 must be a passenger automobile, SUV, light truck of
no more than 12,500 Gross Vehicle Weight Rating (GVWR).
21. VEHICLE OPTIONS means any manufacturer- or Dealer-approved
below to the Program Administrator at the below address. Any claim must
be received by the Program Administrator within one hundred twenty
(120) days from either the Date of Loss or, in the event that You have
Primary Insurance coverage, the date on which You received the Primary
and installed accessories, customizations, add-ons and other non- Insurance Payout. Any claim received by the Program Administrator
standard level options included on the Vehicle. after the foregoing one hundred and twenty (120) day period is VOID, and
IV. EXCLUSIONS You hereby irrevocably and unconditionally release any and all parties
hereunder from any obligations in this Addendum. You shall provide the
No benefit will be provided under this Addendum for a Total Loss:
following in order for the Program Administrator to process a claim:
1. Occurring prior to the Effective Date of this Addendum;
1. A completed GAP Claim Form.
2. Occurring subsequent to the expiration or cancellation of this 2. A copy of the applicable Primary Insurance policy and declaration
Addendum; sheet clearly indicating coverage and Deductibles on the Vehicle.
3. If the Primary Insurance Payout is equal to or greater than the 3. A copy of the Primary Insurance company claim settlement
Outstanding Balance; check(s) and/or settlement statement.
4. A copy of the police report made for the incident, if applicable. Such
4. Resulting from a fraudulent or criminal act by You or any other person report shall include the Date of Loss, the Vehicle mileage as of the
acting under Your authority or with Your permission; Date of Loss, and the circumstances involved in the Total Loss.
5. Resulting from the driver of the Vehicle being under the influence of 5. A copy of the original Financial Agreement, proof of proceeds
alcohol or drugs; recovered from cancellation of refundable items.
6. A copy of this Addendum as originally executed by You.
6. Resulting from the Vehicle being operated, used, or maintained in any
7. Copies of any documentation detailing the Outstanding Balance as
race, speed contest, or other contest;
of the Date of Loss and a statement regarding any Past Claims
7. Resulting from use of the Vehicle for Commercial Purposes; Paid or other charges, if any, related to the Financial Agreement
8 To Your personal property lost in connection with a Total Loss of the and the Vehicle. You shall also provide any other reasonable
Vehicle; documentation as requested by the Program Administrator as
necessary to process Your claim.
9. Due to seizure or destruction of the Vehicle by order of governmental
authority, other than destruction ordered by governmental authority and You shall direct all inquiries, including claim information regarding this
taken at the time of a fire to prevent its spread; Addendum, to the Program Administrator at:
Phoenix American Administrators, Inc.
10. Resulting from an intentional act by You or any other person acting
under Your authority or with Your permission directly or indirectly 6303 Blue Lagoon Drive, Suite 225 Miami, FL 33126
resulting in a Total Loss of the Vehicle; Toll-free (800) 745-4441
WGAPCA 101 (03/18) Page 3 of 7 9P0264

VII. DISPUTE RESOLUTION otherwise agree in a writing signed by both. You and us consent to
1. ARBITRATION. READ THIS ARBITRATION PROVISION the personal jurisdiction of and laying of venue before any court
CAREFULLY, AS IT INVOLVES THE WAIVER OF RIGHTS TO located in the state in which the arbitration is held, for purposes of
ACCESS AND MAINTAIN OTHER AVAILABLE DISPUTE enforcement of any arbitral award. The arbitrator may decide that
RESOLUTION PROCESSES, SUCH AS A COURT ACTION OR an in-person hearing is unnecessary and that the arbitrator can
ADMINISTRATIVE PROCEEDING. SPECIFICALLY, INSTEAD OF resolve a Dispute based on the papers submitted by You and us
SUING IN COURT, DISPUTES ARE RESOLVED THROUGH AN and/or through a telephonic hearing. However, any arbitration
ARBITRATION PROCESS WHERE THE RULES ARE DIFFERENT, hearing that You attend will take place at a location that is reasonably
AND NEITHER YOU NOR US WILL HAVE THE RIGHT TO ACCESS A convenient to You, and notice of the time, date and location thereof
JUDGE OR JURY, OR PARTICIPATE AS ANY MEMBER OF A CLASS, shall be provided to You and us under the applicable arbitration rules.
AND JUDICIAL REVIEW AND CERTAIN LEGAL RIGHTS, ALONG The arbitrator’s decision is final and binding, except for any right of
WITH DAMAGES, MAY BE LIMITED. appeal provided by the FAA. However, if the amount in controversy
in a Dispute exceeds $50,000 or involves a request for injunctive or
If a dispute between You and us arises under this Addendum which declaratory relief where it is foreseeable to involve a cost or benefit
cannot be resolved amicably by You and us through reasonable to either You or us exceeding $50,000, then either You or us may
cooperation, upon election of either Party, any and all unresolved claims, appeal the award to a panel consisting of three arbitrators and
counterclaims, disputes or controversies of any nature whatsoever administered by either AAA or JAMS, as the case may be, which
(whether in tort, contract or otherwise) and including statutory law panel shall reconsider any aspect of the initial award as requested
(including any and all so called consumer fraud and protection statutes), by You or us, and the decision of such panel shall be by majority
common law, fraud (whether based on misrepresentation or omission) vote, final and binding except for any right of appeal provided by the
or other intentional tort, property or equitable claims arising out of, FAA. All references to arbitrator herein shall, in such instance, mean
relating to, under or in connection with this Addendum (or the to apply to such panel of arbitrators. The costs of such appeal will
dissemination, display, offer, purchase or sale thereof), or the validity, be borne in accordance with the provisions of this section that
scope, interpretation and enforcement of any provision of this describe who will bear the costs for the initial arbitration proceeding
Addendum (Dispute), shall be settled exclusively through confidential and, as applicable, as set forth in the FAA.
binding arbitration in accordance with the provisions hereunder and the
then in effect Expedited Procedures of either (i) the American Arbitration b. Limitation on Damages. Unless otherwise expressly permitted
Association’s (AAA) Commercial Arbitration Rules (the AAA Rules) or under applicable state law, in which case the arbitrator shall have
(ii) the JAMS Comprehensive Arbitration Rules (the JAMS Rules), as the authority to award such damages as expressly permitted
elected by whoever first files an action, unless You and us agree thereunder, the arbitrators shall not have authority to award
otherwise in a writing signed by both. The arbitration shall be conducted consequential, punitive, moral or other exemplary damages,
before one (1) arbitrator selected in accordance with either the AAA attorneys’ fees and costs, or interest, including pre-award interest,
Rules or the JAMS Rules. The provisions in this Addendum shall in any arbitration proceedings hereunder, and any court of competent
govern and control over any inconsistency or conflict between them and jurisdiction entering or enforcing any such award shall not have the
either the AAA Rules or the JAMS Rules. The addresses and websites authority to modify such award to include any such damages or
of the relevant arbitration organizations are: (i) AAA, 335 Madison Ave., amounts. For purposes of clarification, in the event that a court of
Floor 10, New York, New York 10017-4605, www.adr.org; and (ii) JAMS, competent jurisdiction finds that an applicable federal or state statute
1920 Main Street, Suite 300, Irvine, CA 92614, www.jamsadr.com. If precludes such limitation of any of the foregoing damages, or finds
neither AAA nor JAMS is able or willing to serve, and You and us cannot otherwise that the we must bear Your attorneys’ fees and costs if
otherwise agree on a substitute administrator or arbitrator, then a court You prevail in order to enforce the arbitration provisions herein, then
of competent jurisdiction shall appoint an arbitrator. We will consider the arbitrator and court shall treat any such limitation as severed
any good faith request You make to us to pay the arbitrator’s filing, herefrom without affecting the validity of any other provision of this
administrative, hearing and/or other fees if You cannot obtain a waiver Addendum, and such limitation shall not form the basis of any action

of such fees from the arbitrator and, if granted in our sole discretion, we by You under applicable law.
will not seek or accept reimbursement of any such fees. We will bear c. JURY WAIVER. EACH PARTY HEREBY AGREES THAT IT
any fees and costs required of us under applicable law. IRREVOCABLY AND UNCONDITIONALLY WAIVES ANY RIGHT
Notwithstanding the foregoing and without modifying anything herein, TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION
this agreement is not intended to and shall not alter, amend or DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO
supersede the agreement to arbitration in the Financial Agreement In THIS ADDENDUM.
the event that a dispute arises under this Addendum between You, on
the one hand, and the Assignee/Lienholder and us, on the other hand, d. CLASS ACTION WAIVER. FURTHER, ANY DISPUTE RELATED
whether or not the Assignee/Lienholder or we are named as a party HERETO SHALL PROCEED SOLELY ON AN INDIVIDUAL BASIS
upon commencement of any proceedings or by joinder thereafter, the WITHOUT THE RIGHT FOR ANY CLAIMS TO BE ARBITRATED OR
arbitration provision contained in the Financial Agreement shall govern LITIGATED ON A CLASS ACTION BASIS OR ON BASES
the resolution of such dispute. For purposes of clarification, any dispute INVOLVING CLAIMS BROUGHT IN A PURPORTED
under this Addendum solely between You and us shall be governed by REPRESENTATIVE CAPACITY ON BEHALF OF OTHERS.
the arbitration provisions in this Addendum, and any dispute under this AWARDS SHALL BE LIMITED TO CLAIMS BETWEEN YOU AND
Addendum that involves the Assignee/Lienholder shall be governed US. CLAIMS MAY NOT BE JOINED OR CONSOLIDATED UNLESS
by the arbitration provisions in the Financial Agreement. AGREED TO IN WRITING BY ALL RELEVANT PARTIES. NO
a. Governing Law; Venue; Decision. The arbitration provisions in this AWARD OR DECISION WILL HAVE ANY PRECLUSIVE EFFECT
Addendum shall be governed by the Federal Arbitration Act, 9 AS TO ISSUES OR CLAIMS IN ANY DISPUTE WITH ANYONE
U.S.C. §§1 et seq. (the FAA) and not by any state arbitration law, WHO IS NOT A NAMED PARTY TO THE PROCEEDING. THE
and it is expressly agreed that this Addendum evidences a ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO
transaction in interstate commerce. The interpretation and CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY
enforcement of the substantive provisions of this Addendum and GENERAL ARBITRATION OR JOINED OR CONSOLIDATED
the resolution of any Dispute shall be governed by the law of the ARBITRATION.
state in which You purchased this Addendum. The applicable rules e. Severability. Notwithstanding anything to the contrary in this
of evidence shall be the U.S. Federal Rules of Evidence. All statutes Addendum, in the event that the class action waiver in this section
of limitation that otherwise would apply to an action brought in court is determined to be invalid or unenforceable by a court of competent
will apply in arbitration. The arbitrator shall be authorized to award jurisdiction, then, subject to the right to appeal such a ruling, any
all remedies permitted by the substantive law that would apply if the class action, if allowed to proceed, shall proceed only before a court
action were pending in court. Any arbitral award may be entered and of competent jurisdiction and not in class-wide arbitration. The right
enforced by any court of competent jurisdiction. The arbitration shall to participate in arbitration, in such case, shall be automatically null
take place Miami-Dade County, Florida, or in the state and county in and void, and the remaining provisions of this section will continue
which this Addendum was executed by You, unless You and us in force and effect for all purposes before the court.
WGAPCA 101 (03/18) Page 4 of 7 9P0264

f. Small Claims Court Exception. Notwithstanding anything to the warranties or service agreements is less than eighty percent (80%) of
contrary in this Addendum, if available in accordance with applicable the MSRP for a new vehicle or the NADA average retail value for a used
law and rules, either Party may bring an individual action in small vehicle.
claims court (or the applicable state equivalent) located in the 2. The section entitled “III. (DEFINITIONS)” is amended as follows:
jurisdiction where You purchased this Addendum, and in such event
the arbitration provisions of this Addendum shall have no effect Subsection “1. ACTUAL CASH VALUE/ACV” is deleted in its entirety
unless such action is transferred or removed to a different court, in and replaced with the following:
which case the arbitration provisions of this Addendum shall control “1. ACTUAL CASH VALUE/ACV” means the value established by the
for all purposes, provided that nothing herein shall be construed as primary insurance carrier. If there is no primary insurance coverage in
limiting any right of appeal of You or Us related to any decision by a place at the time of a claim, then the applicable NADA retail value or
small claims court (or applicable state equivalent). equivalent must be used. There can be no subrogation against You.
VIII. MISCELLANEOUS 3. The section entitled “II. (TERM; CANCELLATION; ASSIGNMENT) -
This Addendum contains the entire agreement between and among the 2. CANCELLATION, EARLY TERMINATION AND REFUND”: is
parties hereof, including the Program Administrator and You, and deleted in its entirety and replaced with the following:
supersedes any and all prior and contemporaneous agreements (both “2. CANCELLATION, EARLY TERMINATION AND REFUND”: You
written and verbal) concerning the subject matter hereof. This Addendum may cancel this Addendum at any time during the original term of the
is not valid unless signed by both You and an authorized representative of Financial Agreement provided that You have not submitted a claim to
the Dealer. the Program Administrator. This Addendum shall be cancelled in the
Severability, If one or more of the provisions of this Addendum are held event that You cancel the Financial Agreement in accordance with the
to be invalid by a court or competent jurisdiction, then such provision or terms and conditions contained therein, provided that You have not
provisions shall be severed here from and shall be inoperable with no effect submitted a claim to the Program Administrator. If this Addendum is
upon the validity of the remaining provisions hereof, and the remaining cancelled: (1) within thirty (30) days of the Effective Date, You will
provisions hereof will continue in full force and effect for all purposes. receive a full refund of any premium paid by You; (2) after thirty (30)
days from the Effective Date of this Addendum, You may be entitled
IX. STATE SPECIFIC REQUIREMENTS/DISCLOSURES to a refund, calculated on a pro rata basis of the remaining term, unless
Required State law specific disclosures and amendments to this otherwise required by applicable state law. NOTE: Any refund paid as
Addendum are set forth below, without effect to any other provision of this a result of cancellation of this Addendum or due to repossession of the
Addendum, and may apply to You. Vehicle will be paid directly to the Assignee/Lienholder of this
Addendum.
ALABAMA
1. If there is a voluntary or deemed early termination of this Addendum, 4. You may be able to obtain GAP coverage from Your Primary
except in those cases where the Addendum is terminated within the Insurance carrier.
first thirty (30) days after the Effective Date, You will be entitled to a 5. If there is a voluntary or deemed early termination of this Addendum,
partial refund determined using the pro-rata method. The Rule of 78s except in those cases where the Addendum is terminated within the
method will not be used to calculate any cancellation refunds on any first thirty (30) days after the Effective Date, You will be entitled to a
addendum sold in the state of Alabama. partial refund determined using the pro-rata method. The Rule of 78s
ALASKA method will not be used to calculate any cancellation refunds on any
In Alaska, no part of the Deductible owed and/or paid by You to the addendum sold in the state of Indiana.
Primary Insurer under the terms of the Primary Insurance will be waived. IOWA
COLORADO If there is a voluntary or deemed early termination of this Addendum,
1. The purchase of GAP is not required in order to obtain the credit except in those cases where the Addendum is terminated within the first
thirty (30) days after the Effective Date, You will be entitled to a partial

or any particular or favorable credit term.
refund determined using the pro-rata method. The Rule of 78s method will
2. GAP benefits may decrease over the term of the consumer credit not be used to calculate any cancellation refunds on any addendum sold in
sale or consumer loan. the state of Iowa.
3. GAP is not a substitute for collision or property damage insurance KANSAS
4. The section entitled “I. (COVERAGE),” is amended, without effect to 1. You may file a complaint or inquiry with the Office of the State Bank
any other provision, as follows: Commissioner, 700 S.W. Jackson #300, Topeka, KS 66603,
(785) 296-2266 or toll free (877) 387-8523.
The provision “(ii) in no event any amount over fifty thousand ($50,000)”
is deleted in its entirety. 2. GAP coverage may not cancel or waive the entire amount owing
at the time of loss.
5. You may wish to consult an insurance agent to determine whether
similar coverage may be obtained and at what cost. The section 3. In the section entitled “III. (DEFINITIONS),” Item 1. ACTUAL CASH
entitled “VI. (CLAIM PROCEDURES),” is amended, without effect to VALUE,” second sentence is amended to read, “In the event that there
any other provision, to include the following: is no Primary Insurance coverage in effect on the Vehicle as of the
Date of Loss, ACV shall mean the average retail value of the Vehicle
You have one hundred twenty (120) days from the date You receive
immediately preceding the Total Loss on the Date of Loss, as per the
the Primary Insurance Payout or from the date You are notified of
NADA Used Car Guide, taking into account and adjusted in the same
a deficiency balance to submit Your claim.
manner as items (B), (C), and (D) above. If the retail value of the
The consumer may cancel GAP for any or no reason within thirty Vehicle is not available in the NADA Used Car Guide, then an industry
(30) days after GAP was purchased and receive a full refund of the accredited equivalent market value reference manual will be used.
GAP fee or premium so long as no loss or event covered by GAP
4. Your GAP Waiver will remain part of the Finance Agreement upon the
has occurred.
sale, transfer of such finance agreement by the creditor.
6. If there is a voluntary or deemed early termination of this Addendum,
5. This Addendum cannot be sold when the amount financed, less the
except in those cases where the Addendum is terminated within the
cost of the Addendum, the cost of credit insurance, and the cost of
first thirty (30) days after the Effective Date, You will be entitled to a
warranties, is less than 80% of the MSRP for a new vehicle or the NADA
partial refund determined using the pro-rata method. The Rule of 78s
average retail value for a used vehicle.
method will not be used to calculate any cancellation refunds on any
addendum sold in the state of Colorado. LOUISIANA
1. You the Assignee/Lienholder agrees to waive Your liability for the
INDIANA
difference between the amount owed, excluding Past Due
1. This Addendum cannot be sold when the amount financed, less the
Amounts, payment extensions, insurance, prior unrepaired
cost of the Addendum, the cost of credit insurance, and the cost of
damage for which You have been paid by an insurer, or other
WGAPCA 101 (03/18) Page 5 of 7 9P0264

charges, under the consumer’s contract and the amount paid by MINNESOTA
the consumer’s primary insurer after a Vehicle is deemed a Total
Loss from a peril covered by Your Primary Insurance provider, or
1. “THE GAP WAIVER IS OPTIONAL.
if there is no Primary Insurance on the Date of Loss, the Actual YOU DO NOT HAVE TO PURCHASE
Cash Value of the Vehicle at the time of loss as determined by an
established value guide. THIS PRODUCT IN ORDER TO BUY
2. The section entitled “III. (DEFINITIONS, Item 15. Primary Insurance
Adjustment,” is deleted and replaced in its entirety as follows:
(OR LEASE) THIS MOTOR VEHICLE.
15. PRIMARY INSURANCE ADJUSTMENTS means the amount of any YOU ALSO HAVE A LIMITED RIGHT
adjustments by the Primary Insurance provider when determining the
Primary Insurance Payout as of the Date of Loss including but not
TO CANCEL.”
limited to, prior damages, towing and storage, unpaid insurance 2. Any used motor Vehicle with a value less than five thousand dollars
premiums including late fees and interest charges, or retained salvage. ($5,000) at time of Effective Date is not eligible for coverage.
In the event that there is no Primary Insurance coverage in effect as of
MISSISSIPPI
the Date of Loss, Primary Insurance Adjustments shall mean any
1. The section entitled “II. (TERM; CANCELLATION; ASSIGNMENT) -
previous claims paid to You or for Your benefit by any insurance provider
2. CANCELLATION, EARLY TERMINATION AND REFUND,” is
in connection with any unrepaired prior damages on the Vehicle prior to
amended to include the following:
the Date of Loss.
In order to receive any refund due in the event of Your cancellation of
3. The section entitled “IV. (EXCLUSIONS), Item 13.” is deleted and
this Addendum or the early termination of the Finance Agreement,
replaced in its entirety as follows:
after the first thirty (30) days from the Purchase Date, You must provide
13. For any amounts deducted from the Primary Insurance Payout due a written cancellation request to the Assignee/Lienholder or Program
to prior damages, towing and storage, unpaid insurance premiums Administrator within ninety (90) days from the occurrence of the event
including late fees and interest charges, or retained salvage. terminating the Finance Agreement.
4. The section entitled “IV. (EXCLUSIONS),” is amended as follows: MISSOURI
Exclusions 16, 18, and 19 are deleted in their entirety. 1. The section entitled “II. (TERM; CANCELLATION; ASSIGNMENT) -
MAINE amended, without effect to any other provision, to include the following:
If there is a voluntary or deemed early termination of this Addendum, any debtor may cancel this Addendum within fifteen (15) days of its
except in those cases where the Addendum is terminated within the first purchase and shall receive a complete refund or credit of premium.
thirty (30) days after the Effective Date, You will be entitled to a partial 2. If there is a voluntary or deemed early termination of this Addendum,
refund determined using the pro-rata method. The Rule of 78s method will except in those cases where the Addendum is terminated within the
not be used to calculate any cancellation refunds on any addendum sold in first thirty (30) days after the Effective Date, You will be entitled to a
the state of Maine. partial refund determined using the pro-rata method. The Rule of 78s
MARYLAND method will not be used to calculate any cancellation refunds on any
1. The section entitled “III. (DEFINITIONS)” is amended in part as follows: addendum sold in the state of Missouri.
1. ACTUAL CASH VALUE/ACV is deleted and replaced in its entirety NEBRASKA
as follows: 1. This GAP Addendum is not insurance and is not regulated by the
Department of Insurance.
1. ACTUAL CASH VALUE/ACV means the Primary Insurance
Payout to You, less the Deductible (subject to the limitations set 2. If there is a voluntary or deemed early termination of this Addendum,

forth herein), if any, paid by You to Your Primary Insurance
provider, and, to the extent not taken into account in the Primary first thirty (30) days after the Effective Date, You will be entitled to a
Insurance Payout. In the event that there is no Primary Insurance partial refund determined using the pro-rata method. The Rule of 78s
coverage in effect on the Vehicle as of the Date of Loss, ACV shall method will not be used to calculate any cancellation refunds on any
mean the average retail value of the Vehicle immediately preceding addendum sold in the state of Nebraska.
the Total Loss on the Date of Loss, as per the NADA Vehicle NEVADA
Appraisal Guide or an industry-accredited equivalent market value
reference manual. “NOT INSURANCE AND LATE PAYMENTS”
12. OUTSTANDING BALANCE is deleted and replaced in its entirety 1. A guaranteed asset protection waiver is not a
as follows:
12. OUTSTANDING BALANCE means the Loan Payoff Amount, less
policy of liability or casualty insurance and does
(A) any Past Due Amount, and less (B) the portion of any financed not satisfy the requirement to maintain liability
taxes or charges, including charges for credit life insurance, credit
health insurance, credit involuntary unemployment benefit
insurance pursuant to NRS 485.185; and
insurance, and mechanical repair contracts, actually refunded to the 2. Failure to make timely payment under the terms
buyer(s) or credited as a reduction to the loan balance.
13. PAST DUE AMOUNT is deleted and replaced in its entirety as
of the Finance Agreement may void the
follows: Addendum.
13. PAST DUE AMOUNT means any payment as required by the NEW HAMPSHIRE
Financial Agreement that remains unpaid for more than ten (10) 1. The initial creditor may assign the Addendum with the Finance
days after the due date set forth in the Financial Agreement, and Agreement to a sales finance company or other assignee.
includes: (1) any delinquent or deferred payments; (2) past due
2. The section entitled “VII. (DISPUTE RESOLUTION) -
charges; (3) late payment charges; (4) unearned interest; and
1. ARBITRATION” is subject to RSA 542.
(5) unearned rental payments.
OREGON
15. PRIMARY INSURANCE ADJUSTMENTS is deleted in its entirety.
2. The section entitled “IV. (EXCLUSIONS), Item 13,” is deleted and 2. CANCELLATION, EARLY TERMINATION AND REFUND,” is
replaced in its entirety as follows: deleted in its entirety and replaced with the following:
13. For any amounts deducted from the Primary Insurance Payout. “2. CANCELLATION, EARLY TERMINATION AND REFUND”: You
may cancel this Addendum at any time during the original term of the
WGAPCA 101 (03/18) Page 6 of 7 9P0264

Financial Agreement provided that You have not submitted a claim to
the Program Administrator. This Addendum shall be cancelled in the
event that You cancel the Financial Agreement in accordance with the
terms and conditions contained therein, provided that You have not
submitted a claim to the Program Administrator. If this Addendum is
cancelled: (1) within thirty (30) days of the Effective Date, You will
receive a full refund of any premium paid by You; (2) after thirty (30)
days from the Effective Date of this Addendum, You may be entitled
to a refund, calculated on a pro rata basis of the remaining term, unless
otherwise required by applicable state law. NOTE: Any refund paid as
a result of cancellation of this Addendum or due to repossession of the
Vehicle will be paid directly to the Assignee/Lienholder of this
Addendum.
2. If there is a voluntary or deemed early termination of this Addendum,
first thirty (30) days after the Effective Date, You will be entitled to a
partial refund determined using the pro-rata method. The Rule of 78s
method will not be used to calculate any cancellation refunds on any
addendum sold in the state of Oregon.
SOUTH CAROLINA
1. The amount financed, less the cost of the GAP Waiver, the cost of
credit insurance, and the cost of Addendum must be less than eighty
percent (80%) of manufacturer suggested retail price for a new Vehicle
or the NADA average retail value for a used Vehicle.
2. THIS GAP WAIVER IS NOT REQUIRED TO OBTAIN CREDIT, NOR
TO OBTAIN CERTAIN TERMS OF CREDIT OR TO PURCHASE THE
RELATED MOTOR VEHICLE. THIS GAP WAIVER WILL NOT BE
PROVIDED UNLESS YOU SIGN AND AGREE TO PAY THE
ADDITIONAL COST.
TENNESSEE
The cost of this Addendum is not regulated and You have the responsibility
to determine whether the cost of the Addendum is reasonable in relation
to the protection afforded by the Addendum.
UTAH
This Addendum is subject to limited regulation by the Utah Insurance
Department. Any complaint regarding a guaranteed asset protection waiver
may be submitted to the commissioner.
VERMONT
If there is a voluntary or deemed early termination of this Addendum,
except in those cases where the Addendum is terminated within the first
thirty (30) days after the Effective Date, You will be entitled to a partial

refund determined using the pro-rata method. The Rule of 78s method will
not be used to calculate any cancellation refunds on any addendum sold in
the state of Vermont.
WASHINGTON
1. Any refund of the Addendum purchase price that was included in
the financing of the Vehicle may be applied by the
Assignee/Lienholder as a reduction of the overall amount owed
under the Financial Agreement, rather than applying the refund
strictly to the purchase price of the Addendum.
2. This Addendum is not credit insurance, nor does it eliminate Your
obligation to insure the Vehicle as provided by laws of the state.
Purchasing a guaranteed asset protection waiver does not eliminate
Your rights and obligations under the vendor single interest and
collateral protection coverage laws of this state.
amended to include the following:
In order to receive any refund due in the event of Your cancellation of
this Addendum or the early termination of the Finance Agreement,
after the first thirty (30) days from the Purchase Date, You must provide
a written cancellation request to the Assignee/Lienholder or Program
Administrator within ninety (90) days from the occurrence of the event
terminating the Finance Agreement.
WGAPCA 101 (03/18) Page 7 of 7 9P0264


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RETAIL INSTALLMENT CONTRACT

TRUTH IN LENDING DISCLOSURES

60 $ 563.13 , 2018 and same date of each following month.

COPY OF ELECTRONIC ORIGINAL

Buyer’s Signature Date Buyer’s Signature Date

Cost: $ 686.00 Term: 60 Mos. Provider: Phoenix American Administrators, Inc.

Buyer’s Initials __________

1. Cash Price - which includes 1(a) through 1(e): ............................................................................................................................. $

b. Sales Tax $ 1,033.26

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Seller: BERGER CHEVROLET, INC. By:

Lester Rosado-matias Wanda Ortiz-ramos

MICHIGAN CREDIT ACCEPTANCE CORPORATION (11-2016)

ADDITIONAL TERMS AND CONDITIONS

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© 2015-2016 Credit Acceptance Corporation. Buyer’s Initials __________

ADDITIONAL TERMS AND CONDITIONS

Ryan Kennedy AGENT

© 2015-2016 Credit Acceptance Corporation. Buyer’s Initials __________

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© 2015-2016 Credit Acceptance Corporation. Buyer’s Initials __________

(Co-Signer) (both hereinafter

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© 2008 Credit Acceptance Corporation (8/18/08). All Rights Reserved

CUSTOMER INFORMATION SELLING DEALER INFORMATION

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The original retail installment contract is assigned to Credit Acceptance Corporation.

This copy was created on 08/13/2018

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The original retail installment contract is assigned to Credit Acceptance Corporation.

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The original retail installment contract is assigned to Credit Acceptance Corporation.

G. CANCELLATION OF THIS CONTRACT

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The original retail installment contract is assigned to Credit Acceptance Corporation.

K. OTHER IMPORTANT CONTRACT PROVISIONS/LIMITATIONS

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Name of New Owner/ Transferee ___________________________________ Contract # _______________________ VIN # ____________________________

Address _______________________________________________________ City ____________________________ State_________ Zip _____________

Date of Transfer _________________________________________________ Odometer Mileage on Date of Transfer _______________________________

Signature of Transferee __________________________________________ Date ___________________

Signature of Transferor ___________________________________________ Date ___________________

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The original retail installment contract is assigned to Credit Acceptance Corporation.

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The original retail installment contract is assigned to Credit Acceptance Corporation.

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The original retail installment contract is assigned to Credit Acceptance Corporation.

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The original retail installment contract is assigned to Credit Acceptance Corporation.

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The original retail installment contract is assigned to Credit Acceptance Corporation.

GAP Acceptance of Coverage

NOTICE: GAP VOLUNTARY NOT REQUIRED GAP IS NOT

COPY OF ELECTRONIC ORIGINAL eSigned By:

Lester Rosado-matias Aug 13, 2018 12:39:21 PM EDT

Wanda Ortiz-ramos Aug 13, 2018 12:41:27 PM EDT

Name of New Owner/ Transferee _______________________ Contract # _ VIN # __________________

Address _______________________________ City State_ Zip _________

Date of Transfer ___________________ Odometer Mileage on Date of Transfer _

Signature of Transferee ________________________ Date _

Signature of Transferor _________________________ Date _