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FILED
BUTLER COUNTY COURT OF COMMON PLEAS MARY L. SWAIN
BUTLER COUNTY, OHIO BUTLER COUNTY
GENERAL DIVISION CLERK OF COURTS
09/1 2/2022 09:44 AM
MARINER FINANCE, LLC CV 2022 09 1536
c/o Bleecker, Brodey & Andrews Case No.
9247 N. Meridian, Suite 101
Indianapolis, IN 46260
Plaintiff/Petitioner Judge:
vs./and
JEREMY STRADTMAN
5360 STILLWELL BECKETT RD
OXFORD, OH 45056
Defendant
COMPLAINT
Comes now the Plaintiff, by counsel, and of the Defendant, JEREMY STRADTMAN, alleges and
says:
1. That at all times herein, Plaintiff was a corporation duly authorized to conduct business in the State of
Ohio.
2. That on or about October 18, 2019, Defendant executed a Loan Agreement to MARINER
FINANCE, LLC, whereby Defendant financed a certain sum of money plus interest and other costs pursuant to
the Loan Agreement, a copy of which is attached hereto and made a part hereof and marked Exhibit 'A'.
3. The Defendant has defaulted upon the payments and there is now due the total of the following
amounts:
Principal:
Interest:
late/NSF/Loan charges
$1,782.24
Calculated at the rate of 23.99%
$45.00
WHEREFORE, Plaintiff demands judgment against the Defendant, Jeremy Stradtman, in the sum of
$1,782.24, plus interest at the contract rate from date of default to the date of judgment, late fees, costs of this
action and post judgment interest.
Respectfully Submitted,
/s/ Yana T. Ditchey
ATTORNEY FOR PLAINTIFF
Yana T. Ditchey (0089606)
Traci B. Shuttz (0099819)
Bleecker Brodey and Andrews
9247 N. Meridian, Suite 101
Indianapolis, IN 46260
Phone: 888-574-0700
Email: ohefile@bbanda.com
THIS IS AN ATTEMPT TO COLLECT A DEBT, THE COMMUNICATION IS FROM A DEBT COLLECTOR AND
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PU!
RPOSE.
a@s50575aATO11—-
*
*IN THE BUTLER COUNTY COURT OF COMMON PLEAS
BUTLER COUNTY, OHIO
MARINER FINANCE, LLC ) CASE NO:
Plaimiff,
v.
JEREMY STRADTMAN
Defendant.
we eS ett
AFFIDAVIT OF DEBT
Comes now the affiant, and states:
1 I, Amanda Heiner, am a designated full-time employee of MARINER FINANCE, LLC
2, Lam of adult age and am fully authorized by the Plaintiff to make the following representations.
3. {am familiar with the recordkeeping practices of the Plaintiff.
4. The following representations are true and accurate according to documents kept in the normal
course of Plaintiffs business and/or my personal knowledge:
3. J have no information that would lead me to believe that the Defendant is a minor or an incompetent
individual.
6. Plaintiff is the original owner of the debt.
7. The Account/Note was opened on October 18, 2019, a true and correct copy of which is attached
hereto as Exhibit A.”
8. Jeremy Stradtman, has a principal balance of $1,782.24 due and owing on Account/Note redacted
identification number: XXXX2747.
9, The last payment from Defendant was: received on January 14, 2022, in the amount of
$172.74
10. The type of debt is: B Note and Security Agreement/ Promissory Note/ Retail Installment
Contract.
Me The Plaintiff is seeking interest calculated ata rate of 23.99% and continuing at said interest rate
until paid in full.
12. The Plaintiff is seeking late fees in the sum of $45.00 as of April 23, 2022.
13. Plaintiff is not seeking attorney’s fees.
BBA File: 35057514, The Defendant is in default of his/her obligation to the Plaintiff,
15. {am not aware of any setof?s, counterclaims or credits due and owing to the Defendant from
Plainff,
I swear or affirm under the penalties for perjury that the foregoing repregentations are true.
Dated: A | a4 x2 Signature of Affiant:
Bleecker Brodey & Andrews
9247 N, Meridian Street, Suite 101
indianapolis, IN 46260
This is an attempt fo collect a debt, the communication is from a debt collector and any information obtained
will be used for that purpose.
STATE OF MARYLAND )
COUNTY OF %
BEFORE ME, a Notary Public in and for said County and State, personally appeared Amanda Heiner, who having
been duly sworn under oath and acknowledged the execution of the foregoing and stated that the representations
contained in the above and forgoing are true.
WITNESS my hand and Notarial Seal, this 21 dayof_ # yt LOE,
Commission Expires: Notary Public:_f ype
Printed:
Men
Residingin Agtimere County
Alyssa M Monn
Notary Public
Baltimore County
Maryland
My Commission Expires May 2, 2026
BBBA File: 350575NOTE, SECURITY AGREEMENT & ARBITRATION AGREEMENT (Kentucky)
‘Name & Mailing Address of Borrower(s) Co-Borrower(s)
JEREMY STRADTMAN
Maturity Date TA
§360 STILLWELL BECKETT RD CO-BORROWER ADDRESS IF NOT THE SAME. og/02/2022
ccount No.
OXFORD, OH 45056.
i
‘The borrower(s) who sign this Note, Security Agreement & Arbitration Agreement (noi) are called yow or your. The lender/ereditor, Mariner Finance,
LLC, whose address is 4971 HOUSTON ROAD, FLORENCE, KY 41042 . is called we, us, or our. Each borrower is
responsible for individually repaying the loan in full,
‘These disclosures are required by law and are part of this note:
Amount Financed Total of Payments
The amount of credit provided to you| The amount you will have paid after
jor on your behalf. you have made all payments as
scheduled.
$4,182.57 $5,912.65
Your payment schedule will be:
‘Number of Payments Amount of Payments | When Payments Are Due |
$ 42/02/2019First Payment Date 1
33 $ 172.74 ‘Other payments are due on the same date each following month until paid in full |
Security. You are giving a security interest in’ [1 the goods or property being purchased. & Auto / PP
(“PP™ means certain household items)
Late Payment: Ifa one-half (1/2) or more of any payment remains unpaid more than 7 days after it is due, you will pay a late charge equal to 5.00%
of the amount of the scheduled payment, or $15.00, whichever is greater.
Prepayment: If you pay off early, you will not have to pay a penalty and you may be entitled to a refund of part of the finance charge.
‘See the rest of this note for additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment
refunds and penalties. @ means an estimate
temization of Amount Financed 12.$___ 4,182.57 Amount Financed (Sum of 3-11)
1. $___3,159.70_ Net Balance-Prior Account 13.$. §0.00_ Prepaid Finance Charge (Loan Processing Fee)
2.8 NONE Plus Accrued Interest 14, $4,232.57 Cash Advance (Amount Fin, + Prepaid Finance Charge)
3. $__2.366.85_ Unpaid Balance-Prior Account
4.$. 408.89 To Insurance Company for Life Ins.* Al your direction and request, on your behalf and for your benefit, we will
5.$. 301.88. To Insurance Company for Dis. Ins.* disburse the following (including any items described on Schedule B):
6S. NONE. To Insurance Company for Property Ins.* a)$__.1,000.00 _ To JEREMY STRADTMAN
7.$__ 10.00. To Insurance Company for Non-Filing Ins.* b)$___ 379.95 _ To JEREMY. STRADTMAN
&.$ NONE. To Insurance Company for Invol. Unemp, Ins.* °)§. NONE _ To N/A
9.8. NONE To Insurance Company for Single Interest Auto Ins.* | d) $. NONE _ To N/A.
10.8. 15,00 To Public Officials for Recording Fees «)$. NONE To N/A
IL §, 1,379.95 Cash to Borrower(s) 8. NONE. To N/A.
Bs. NONE To N/A.
Li) §__ NONE To NA
*We or our affiliates may receive benefits from your purchase of these items,
You promise to pay us the Total of Payments stated above, which includes interest computed in advance on the Cash Advance stated above at the annual
simple interest rate of ___ 23,99.% (the Interest Rate), in monthly payments as scheduled above. All payments we receive will be applied first to late
and bad check charges, then to the unpaid Total of Payments until it is paid in full. You will pay interest on the unpaid Cash Advance after maturity
(whether originally scheduled or accelerated) and afler judgment until paid in full at the Interest Rate,
‘You agree to pay a loan processing fee as stated above, which is deducted from the proceeds of the loan (up to $150). ‘The loan processing fee (up to
$50) is earned when the loan is made and will not be reflinded ifthe loan is prepaid. The amount of any loan processing fee more than $50 will be subject
to a pro rata refiind if the Joan is prepaid.
Purchase of credit lif, credit disability and involuntary unemployment insurance is not required and such insurance won't be provided unless
you sign and agree to pay the additional cost. You may purchase { or more of these coverages at your option.
[Term [Premium —)
{Credit Life ‘You want credit life insurance, Signature 222600 STR LOT
Bi Single O Joint Coverage|__34_|$__ 108.89 _ | You also want joint credit life insurance. Signature
Credit Disability ‘You want credit disability insurance Signature. 1AsWU TRIE TOD |
Single D Joint Coverage| 34 _|$_ 301.88 | You also want joint credit disability insurance, __ Signature
Involuntary Unemployment You want involuntary unemployment insurance, — Signature,
[DSingle 1 Joint Coverage|_NA__|S__NONE | You also want joint involuntary unemployment ins, Signature |
Property Insurance. You may buy property insurance from anyone you want. If you get single interest auto property insurance through us for a
term of N/A_ months, you will pay $ NONE Ifyou get dual interest property insurance through us for a term of N/A__ months, you will pay
SNONI :
You want CJ single interest auto property insurance (1 dual imerest property insurance through us.
Signature
You agree to pay the charges permitted by applicable law. We charge only one late charge on any payment or part of a payment, You will pay us a
bad check fee of $25.00, or the amount passed on from other financial institutions, whichever is greater, if you make any payment with a check or like
instrument that is dishonored. In addition, as of any regular due date, with our consent, you may defer an unpaid payment, and extend the maturity date
of this note by a corresponding period. You agree to pay us a fee for such deferment, up to the amount of any maximum deferment fee allowed by law:
‘You grant us a security interest in the following property, all parts, accessories, and ‘equipment now or later added to the property, and all proceeds
(collectively, the Property). We give up any right we have (now of later) to consider collateral you give us for another obligation as coltateral for this
note unless it is described in this note.
@ Motor Vehicle(s) described as follows
INEW | YEAR AND MAKE INO. TSERIES NAME BODY, TYPE & MODEL|IDENTIFICATION NO.
OR CYL (Also No. if applicable) NO. (Serial or Motor No.)
USED. (ftruck, tons capacity)
Used 2002 MERCEDES-BENZ iE Class Sedan 4D E320 AWD. WOBJF82J52X066012
Personal Property. See attached Schedule A. which is part of this note, for more detail.
‘You may prepay this loan in full or in part at any time. Ifyou prepay in part, you must still make cach later payment in the original amount as it becomes
due until the loan is paid in full. If you prepay this loan in full, we will refund or credit the unearned interest portion of the finance charge. A refund or
credit of less than $1.00 will not be made. [f the original term of the loan is 61 months or less, we will compute the refund or ‘credit in accordance with the
Page 1 of 3Kentucky Consumer Loan Law, K.R.S. § 286.4-530(6), as aiended, which requires a portion of the interest charges applicable to the full installment
periods following the installment date nearest the date of prepayment to be refimded according to the Rule of 78's, 1f the original term of this loan is more
than 61 months, we will compute the refund or credit based on the actuarial method.
‘You promise that: you are the owner of the Property and, if there is a certificate of title to the Property, you will promptly deliver the certificate to us;
you will not sell, lease or otherwise dispose of the Property without our prior written consent: you will keep the Property in this state, unless the Property
is a motor vehicle, in which case you only will use it outside this state in the course of your normal use of the Property; you will not use the Property in
violation of any law or in any manner inconsistent with any insurance policy; you will pay all taxes, assessments and other fees payable on the Property
when they are due and payable; only we have a security interest in the Property unless you have told us in writing about another security interest; you will
not permit any other security interest to be on the Property without our prior written consent; and you will keep the Property in good condition and repair
and you will not permit anything to be done to the Property that would impair its value.
ADDITIONAL TERMS AND CONDITIONS
. We may inspect the Property at any reasonable time. You will show us the Property or give us a written statement showing the location of the Property
whenever we ask, You authorize vs to file all financing statements, continuation statements and security interest filing statements with respect to the
Property and you agree to sign such statements at our request.
If the Property is a motor vehicle, you agree to buy and maintain primary physical damage automobile insurance consisting of comprehensive and collision
coverage, covering loss or damage to the Property. You may purchase the required insurance from an insurer of your choice. Your physical damage
insurance policy must insure the Property for its fall replacement value with a deductible amount of no more than $500. Your insurance policy must say
that the insurance is payable to us to the extent of what you owe us and you must give us a loss payable clause satisfactory to us. You assign any retumed
or unearned insurance premiums due upon cancellation of any insurance policy to us. You direct the insurance companies to pay us all insurance proceeds
and returned or unearned insurance premiums.
. You will be in default if you do not make a payment when it is due; you are (or any other person puts you) in bankruptcy, insolvency or receivership; any
credit information you gave to us or any representation you make to us in this note is materially wrong; you do not fulfill any obligation of yours in this
note; or you die.
. When you are in default, we may require you to pay the entire balance of this loan, less a refund or credit of the unearned interest computed in the same
way as if you had made payment in full in advance, in addition to any other remedies we have. If we place this note in the hands of an attorney, not our
salaried employee, for collection, you agree to pay the reasonable fees of our attomey. You also agree to pay ali costs and other expenses of collection
and enforcement authorized for a secured party under Article 9 of the Kentucky Uniform Commetcial Code, as amended.
‘When you are in default, we have the rights and remedies of a secured party under Kentucky law, including the right to repossess the Property. Ifthe law
requires us to give you notice of sale or disposition of the Property, 5 days prior notice will be reasonable notice, unless a longer notice period is required
by law. The notice may be sent to your address last shown on our records, We tay require you to assemble and make the Property available to us at any
place convenient to both of us. If any of your possessions are in or attached to the Property at the time it is repossessed, you authorize us to take them.
without any liability, We will store them for you safely. We will tell you where they are stored and you may redeem them. Ifyou do not claim your
possessions within 90 days after the Property is repossessed, we may dispose of them without notice to you in any manner we deem appropriate. You
agree to pay any deficiency after the sale of the Property,
6. We can waive or delay enforcing any of our rights without losing them. We can waive or delay enforcing a right against one of you without losing it as to
the other. We can telease one of you without releasing the other. You consent to extensions of time without notice.
7. Kentucky law and federal law govem this note. If any part of this note is unenforceable, this will not make any other part unenforceable (subject to the
paragraph below titled Other Agreements). You won't be required to pay interest or charges in excess of those permitted by law. In addition, if any
provision of this note is contrary to the rights and protections afforded to any “covered borrower” as defined in the Military Lending Act, such contrary
provision of this note shall be inoperative and shall have no force or effect in connection with such “covered borrower.” however all remaining provisions
of this note shall remain in full force and effect.
p
we
=
w
Military Lending Act Disclosures: THE FOLLOWING DISCLOSURES APPLY IF YOU ARE AN ACTIVE DUTY
MEMBER OF THE MILITARY OR A DEPENDENT OF AN ACTIVE DUTY MILITARY MEMBER.
Matiner Finance appreciates your and your family’s service to our country. As an active duty member of the military (or dependent
of an active duty military member), the Federal Military Lending Act (“MLA”) provides you with certain protections. Please see
below for important information about your loan.
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of
consumer credit. In general, the cost of consumer credit toa member of the Armed Forces and his or her dependents may not
exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:
‘The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction;
any application fee charged (other than certain application fees for specified credit transactions or accounts); and any
participation fee charged (other than certain participation fees for a credit card account).
Please also call 1-877-299-3124 to receive your MLA disclosures over the phone.
READ THE BELOW ARBITRATION AGREEMENT CAREFULLY. IT PROVIDES, AMONG OTHER TERMS:
* YOU OR WE MAY ELECT TO HAVE DISPUTES BETWEEN US RESOLVED BY BINDING ARBITRATION
INSTEAD OF IN COURT.
¢ IN ARBITRATION YOU GIVE UP THE RIGHT TO SUE IN COURT AND DISCOVERY AND RIGHTS OF APPEAL
ARE LIMITED. A NEUTRAL ARBITRATOR RESOLVES THE DISPUTE INSTEAD OF A JUDGE OR JURY.
¢ YOU MAY NOT PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN ARBITRATION OR IN
ANY OTHER CONSOLIDATED PROCEEDING,
* YOU MAY REJECT THE BELOW ARBITRATION AGREEMENT FOR A CERTAIN AMOUNT OF TIME AFTER
THE NOTE DATE,
The below Arbitration Agreement does not apply to any “covered borrower” as defined in the Mi ilitary Lending Act.
By signing this note, you agree to this Arbitration Agreement (Agreement), This Agreement is part of your note. In this Agreement, “you,” “we,” “us,”
and “our” include subsidiaries, affiliates, agents, employers, successors, and assigns.
Arbitration Agreement. You or we may elect to have any Claim (defined below) resolved by neutral binding arbitration instead of in court. You
waive any right you have to resolve a Claim between you and us in court. You waive any right you have to participate as a class representative or class
member.
Claim, Claim means any claim or dispute, whether arising in law, equity, or otherwise, and regardless of the type of relief sought arising from or
relating to your application for credit, the note, the origination, servicing and enforcement of the obligation, any other product or service you buy, and
any relationship that results from the note, the underlying obligation or any of the foregoing. Claim includes initial claims, counterclaims, cross-claims,
and third-party claims, Claim also includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute,
regulation and ordinance. “Claim does not include any dispute or controversy about the validity, enforceability or scope of this Agreement or any part
thereof (including, without limitation, the Class Action Waiver set forth below, subparts (A) and (B) of the “Other Agreements” section set forth below
and/or this sentence); all such disputes or controversies are for a court and not an arbitrator to decide. Any dispute or controversy that concems the
validity, enforceability or scope of the note as a whole is for the arbitrator, not a court, to decide.
Small Claims. You and we retain the right to seek individual relief in small claims court so tong as the Claim is only in that court and is within
that court's jurisdiction. Filing or pursuing a Claim in small claims court does not waive any right to seek arbitration for Claims outside the court's
jurisdiction or if the Claim is transferred, removed, or appealed to a different court.
Page 2 of 3
KY NOTE 6.2019Excluded Claims. The following claims, called Excluded Claims, are excluded from the arbitration process: (a) self-help remedies (such as
repossession), (b) foreclosure, replevin, garnishment, (c) any individual action in court by one party to prevent the other party from using a self-help
remedy and that does not seek damages or monetary relief of any kind, and/or (d) public injunctive relief. Pursuing an Excluded Claim in court does
not waive any right to seek arbitration for Claims that are not excluded,
Non-Waiver. Even ifa Claim is brought in court, you or we may choose to arbitrate any Claim made by a new party or any Claim later asserted
by a party in that action or any related or unrelated lawsuit. Nothing in that litigation shall constitute a waiver of any rights under this Agreement.
Arbitration Process. Arbitrations will be conducted by the American Arbitration Association (“AAA”) or, if the AAA is not available, another
arbitration organization, subject to agreement by bath you and us. If you and we cannot agree, a court with jurisdiction will appoint the arbitration
organization or arbitrator. You can find the rules of the AAA by visiting its website at www.adrorg. Arbitrators must be attomeys or retired judges with
at least 15 years of experience practicing law. Arbitrators must be selected according to rules of the AAA or any other agreed or appointed arbitration
organization. Arbitrators must apply substantive governing law consistent with the Federal Arbitration Act and applicable statutes of limitation and
privileges. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in
court, including, without limitation, punitive damages (which shall be governed by the Constitutional standards employed by the courts) and injunctive,
equitable and declaratory relief (but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by
that party’s individual claim).
‘The arbitration hearing will be conducted in the federal district where you live. The arbitration may take place somewhere else more convenient
to you ifrequired by the rules of the AAA or any other agreed arbitration organization. Ifyou and we agree, the arbitration can be conducted by telephone.
We will advance and/or pay any fees and costs required by the rules of the AAA or any other agreed or appointed arbitration organization to ensure this
arbitration agreement is enforceable. You and we will each pay our own attomey’s fees and witness and experts’ expenses, except as otherwise required
by the note, applicable law or this Agreement. The arhitration award must be in writing. Any award must be kept confidential, The arbitrator's decision
is final and binding. You and we have a limited right to appeal as permitted under the Federal Arbitration Act or the rules of the AAA (or the rules of any
other agreed or appointed arbitration organization if such organization conducts the arbitration). No arbitration award involving the parties will have any
preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes
involving other parties have preclusive effect in an arbitration between the parties to this Agreement.
30 Days to Resolve Claims. Before you start an arbitration, you agree to write to us at our address below (or any changed address that we have
provided 1o you in writing) and give us a reasonable opportunity to resolve your Claim. Your letter must tell us your name and account number, describe
your Claim, including the dollar amount of your Claim, and describe any other information you need from us.
Before we start an arbitration, we must write to you at your address at the top of the note (or any changed address that you have told us about in writing),
describe our Claim, including the dollar amount of our Claim, and give you a reasonable opportunity to resolve the Claim.
We each have 30 days from receipt of notice to resolve the Claim before starting an arbitration.
Applicable Law. This Agreement relates to a credit transaction involving interstate commerce and. is governed by the Federal Arbitration Act (9
ULS.C. § | er seg.), and only in the event and to the limited extent that the Federal Arbitration Act does not apply, the law of the state governing your note
will apply.
CLASS ACTION WAIVER, OTHER THAN AS EXPRESSLY PROVIDED IN THIS AGREEMENT, YOU AND WE AGREE THAT
IF ARBITRATION IS ELECTED, ONLY AN ARBITRATOR MAY RESOLVE CLAIMS. YOU AGREE NOT TO BRING OR PARTICIPATE
ASA CLASS REPRESENTATIVE OR CLASS MEMBER IN ANY CLASS ACTION IN COURT OR IN ARBITRATION ORIN ANY OTHER
CONSOLIDATED PROCEEDING OR PRIVATE ATTORNEY GENERAL ACTION, ANY CLAIM BETWEEN YOU AND US MUST BE
RESOLVED ON AN INDIVIDUAL BASIS. ARBITRATION IS NOT AVAILABLE AND WILL NOT BE CONDUCTED ON A CLASS-WIDE
OR CONSOLIDATED BASIS.
Other Agreements. If any part of this Agreement is found by a court or arbitrator to be unenforceable, the remainder is enforceable, except that:
{A) If the Class Action Waiver is limited, voided or found unenforceable in a proceeding between you and us, then this Agreement (except for this
sentence) shall be null and void with respect to such proceeding, subject to the right to appeal the limitation or invalidation of the Class Action Waiver;
and (B) if'a Claim is brought seeking public injunctive relief and a court determines that the restrictions in the Class Action Waiver or elsewhere in this
Agreement prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination
becomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in court and any individual Claims seeking
monetary relief will be arbitrated. In such a case the parties will request that the court stay the Claim for public injunctive relief until the arbitration award
pertaining to individual relief has been entered in court. This Agreement will survive the termination of the note, regardless of reason for termination, the
sale or assignment of your obligation by us to a third party, the repayment of some or all amounts owed under the note and any bankraptey by you, to the
extent consistent with applicable bankruptcy law. In the event of a conflict or inconsistency between this Agreement, on the one hand, and the applicable
arbitration rules or the other provisions of the note, on the other hand, this Agreement shall govern, Except as otherwise stated in this Agreement, either
you or we can compel arbitration in any court proceeding, regardless of which party filed suit. Either you or we can enforce an arbitration award. This
Agreement does not stop you from filing a complaint with a federal, state, or local regulator.
Rejection of Agreement, You may reject this Agreement by sending us a rejection notice at 8211 Town Center Drive, Nottingham, MD 21236
(and no other location) within 60 days after the date of the note. The notice must inclede a statement that you reject the Agreement, and your name,
address, telephone number, and account nunber. You must sign the rejection notice in order for it to be effective, Rejection of this Agreement will
not affect any other provision of the note.
You received a completely filled in copy of this note before you signed it. AIl3 pages of this note and Schedules A and B (ifany) are
specifically incorporated in this note by reference. This note (all 3 pages) and Schedules A and B (ifany) is your entire agreement with
us and cannot be changed except in writing signed by us. Pages 2 and 3 contain an arbitration agreement that is part of this note. By
signing below, you agree to all of the terms of this note and you authorize us to order credit reports on you from time to time. You
ask us to make the payments listed above and on Schedule B (if any).
FE. LEREINY. STTAD TMA {SEAL)
(WITNESS) (BORROWER)
(SEAL)
(WITNESS) (BORROWER)
(SEAL)
(WITNESS) (BORROWER)
(SEAL)
(WITNESS) (BORROWER)
Any individuals that sign this note as non-obligor below sign solely for the purpose of granting us a security interest in the Property and
such individuals are not obligated for the payment of any monies.
(SEAL)
(WITNESS) (NON-OBLIGOR) SEA
se criorergptnee ner enn edit tee SEAL)
(WITNESS) (NON-OBLIGOR)
Ti The following notice applies if this box is checked: 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 WITH THE PROCEEDS HEREOF, RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT
EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. |
‘The within instrument or agreement is pledged as collateral to Wells Fargo Bank, N.A,
Page 3 of3
KY NOTE 6.2019JEREMY STRADTMAN Account Statement ME P00
5360 STILLWELL BECKETT RD Interest Rate 23.99000
OXFORD OH 45056 Regular Payment 172.74
Due Date 02/02/2022
Date Transaction Monetary Field Amount Balance Due Date
Start 10/18/2019
Stop 04/26/2022
¢ {ORSI2019
Le
|
Customer Payment
emmrntrntmnhracone?
Total in 213.00
| Principal 213.00 5,699.65
Total Out 213.00
r 01/07/2020 me CustomerPayment ——~—S*~ASSSSSSSSS |
Total in 172.74 |
Principal “172.74 5526.91 |
| Total Out 172.74 |
"03/07/2020 in Pmt by Ck ‘Customer Payment 773.00 02/02/2020
| Total In 173.00
| Principal -173.00 5,353.91
| Total Out 173.00
[ fain PmibyCk~S*S*~C*~*~CS”S store Payment” SS”SCTSSCSSCSCSCS~S~S~« OTB
| Total in 172.74
| Principal 172.74 5,181.17
Total Out 172.74
BESS LATE CHARGE Late Charge 15.00
| 04/15/2020 in Pmt by Ck CustomerPayment. —~—~Ss172«74~S*~CS~*~*S«—HNQDZODSS~«~™:
\ Total In 172.74
Principal “187.74 5,023.43
Late Charge -15,00
| Total Out 172.74
[~~ es10872020 in Pmt by Ck ‘Customer Payment 172.74 05/02/2020
Total In 172.74
| Principal “172.74 4,850.69
| Total Out 172.74
_. nl
Late Charge 15.00 |
~Gastomer Baymont 0G
| Total In 186.71 |
i Principal AAT 4,878.98 |
| Late Charge 15,00 {
Total Out 186.71 |
an BESSLATECHARGE = ==—~—~—~—~S~S~*~C Late Charge =——=—“‘*‘*sSOSOSC*C*~‘“‘S™*~*S OF
MARINER FINANCE, TLC 04/26/2022 1752 AMJEREMY STRADTMAN Account Statement HE >ag02
5360 STILLWELL BECKETT RD Interest Rate 23.99000
OXFORD OH 45056 Regular Payment 172.74
Due Date 02/02/2022
Date Transaction Monetary Field Amount Balance Due Date
Start 10/18/2019
Stop 04/26/2022
CO O0I2036
Principal
Late Charge
Total Out
4,521.24
ISESSLATE CHARGE —~—~——~—~S~S™~CSCLate Charge.
08/21/2020 lin Pmt by Ck Customer Payment
~~ 98/02/2020
Total In
innit
Principal
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4,363.50
09/18/2020 | i Customer Payment 09/02/2020
Total In
Principal 4,205.76
Late Charge
|
Total Out
SESS LATE CHARGE Late Charge
L
10/09/2020
10/16/2020
Customer Payment
Total In
Principal 4,048.02
Late Charge
Total Out
1170972020 SESS LATE CHARGE Late Charge
1727/2020 lin Prot by Ck ‘Customer Payment 727 ™ ~ "717022020
Total In
Principal
Late Charge
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|
|
3,890.28 |
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MARINER FINANCE, LLC 04/26/2022 1752 AMJEREMY STRADTMAN Account Statement HE 2003
5360 STILLWELL BECKETT RD Interest Rate 23.99000
OXFORD OH 45056 Regular Payment 172.74
Due Date 02/02/2022
Date Transaction Monetary Field Amount Balance Due Date
Start 10/18/2019
Stop 04/26/2022
¢ 6169/2084
Le
Principal
Late Charge
Total Out
02/09/2021
Tate Charge
~~ 02/1972021
Total In
Principal
Late Charge
Total Out
‘o7109/2021 ESS LATE CHARGE Late Charge
MARINER FINANCE, TLC
Customer Payment
Customer Payment
3,574.80
3,417.06
03/02/2021
bo SS0S0ET Mn Pr by CT stom Bagman ET |
| Total In 172.74 i
| Principal “172.74 3,244.32 |
| Total Out 172.74 |
04/05/2021 Callin Pmt by Ck CustomerPayment. ——==S*~«TASSSSCSC~<“CS~*~“‘“=<=~*‘~*~*«SRODIOSCSC*C*C‘“*;‘
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Total Out 172.74 |
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Total In 172.74 |
Principal “187.74 2,913.84 |
Late Charge -15,00 |
Total Out 172.74 |
06/09/2021 ESS LATE CHARGE lateChage ~~ ~1500.~”~”~”~C”C:CSNT—S.CONSSOCS~SC“‘C=CS |
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Total in 172.74 |
Principal “187.74 2,756.10 |
Late Charge -15,00 |
Total Out 172.74 |
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04/26/2022 1752 AMJEREMY STRADTMAN Account Statement a Page 4
5360 STILLWELL BECKETT RD Interest Rate 23.99000
OXFORD OH 45056 Regular Payment 172.74
Due Date 02/02/2022
Date Transaction Monetary Field Amount Balance Due Date
Start 10/18/2019
Stop 04/26/2022
CO" OTia8i2054 lin Prat by Ck )
Principal 2,598.36 |
Late Charge |
Total Out |
“0809/2021 BESSLATECHARGE ——~—~—~—~S~S~S~S~SC Late Charge 4
‘Gustomer Payment T7274 |
Total In 172.14 |
Principal 187.74 2,440.62 |
Late Charge -15.00 |
Total Out 172.14
|
|
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|
10/01/2021 i Customer Payment
7
| Total In 48.81 i
| Principal -33,81 2,406.81 |
| Late Charge -15.00 |
| Total Out 48.81 |
BESS LATE CHARGE Late Charge 500 TT
70/15/2021 CustomerPayment. —~—~—~«SA2«4S*~
Preview
FILED BUTLER COUNTY COURT OF COMMON PLEAS MARY L. SWAIN BUTLER COUNTY, OHIO BUTLER COUNTY GENERAL DIVISION CLERK OF COURTS 09/1 2/2022 09:44 AM MARINER FINANCE, LLC CV 2022 09 1536 c/o Bleecker, Brodey & Andrews Case No. 9247 N. Meridian, Suite 101 Indianapolis, IN 46260 Plaintiff/Petitioner Judge: vs./and JEREMY STRADTMAN 5360 STILLWELL BECKETT RD OXFORD, OH 45056 Defendant COMPLAINT Comes now the Plaintiff, by counsel, and of the Defendant, JEREMY STRADTMAN, alleges and says: 1. That at all times herein, Plaintiff was a corporation duly authorized to conduct business in the State of Ohio. 2. That on or about October 18, 2019, Defendant executed a Loan Agreement to MARINER FINANCE, LLC, whereby Defendant financed a certain sum of money plus interest and other costs pursuant to the Loan Agreement, a copy of which is attached hereto and made a part hereof and marked Exhibit 'A'. 3. The Defendant has defaulted upon the payments and there is now due the total of the following amounts: Principal: Interest: late/NSF/Loan charges $1,782.24 Calculated at the rate of 23.99% $45.00 WHEREFORE, Plaintiff demands judgment against the Defendant, Jeremy Stradtman, in the sum of $1,782.24, plus interest at the contract rate from date of default to the date of judgment, late fees, costs of this action and post judgment interest. Respectfully Submitted, /s/ Yana T. Ditchey ATTORNEY FOR PLAINTIFF Yana T. Ditchey (0089606) Traci B. Shuttz (0099819) Bleecker Brodey and Andrews 9247 N. Meridian, Suite 101 Indianapolis, IN 46260 Phone: 888-574-0700 Email: ohefile@bbanda.com THIS IS AN ATTEMPT TO COLLECT A DEBT, THE COMMUNICATION IS FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PU! RPOSE. a@s50575aATO11—- * *IN THE BUTLER COUNTY COURT OF COMMON PLEAS BUTLER COUNTY, OHIO MARINER FINANCE, LLC ) CASE NO: Plaimiff, v. JEREMY STRADTMAN Defendant. we eS ett AFFIDAVIT OF DEBT Comes now the affiant, and states: 1 I, Amanda Heiner, am a designated full-time employee of MARINER FINANCE, LLC 2, Lam of adult age and am fully authorized by the Plaintiff to make the following representations. 3. {am familiar with the recordkeeping practices of the Plaintiff. 4. The following representations are true and accurate according to documents kept in the normal course of Plaintiffs business and/or my personal knowledge: 3. J have no information that would lead me to believe that the Defendant is a minor or an incompetent individual. 6. Plaintiff is the original owner of the debt. 7. The Account/Note was opened on October 18, 2019, a true and correct copy of which is attached hereto as Exhibit A.” 8. Jeremy Stradtman, has a principal balance of $1,782.24 due and owing on Account/Note redacted identification number: XXXX2747. 9, The last payment from Defendant was: received on January 14, 2022, in the amount of $172.74 10. The type of debt is: B Note and Security Agreement/ Promissory Note/ Retail Installment Contract. Me The Plaintiff is seeking interest calculated ata rate of 23.99% and continuing at said interest rate until paid in full. 12. The Plaintiff is seeking late fees in the sum of $45.00 as of April 23, 2022. 13. Plaintiff is not seeking attorney’s fees. BBA File: 35057514, The Defendant is in default of his/her obligation to the Plaintiff, 15. {am not aware of any setof?s, counterclaims or credits due and owing to the Defendant from Plainff, I swear or affirm under the penalties for perjury that the foregoing repregentations are true. Dated: A | a4 x2 Signature of Affiant: Bleecker Brodey & Andrews 9247 N, Meridian Street, Suite 101 indianapolis, IN 46260 This is an attempt fo collect a debt, the communication is from a debt collector and any information obtained will be used for that purpose. STATE OF MARYLAND ) COUNTY OF % BEFORE ME, a Notary Public in and for said County and State, personally appeared Amanda Heiner, who having been duly sworn under oath and acknowledged the execution of the foregoing and stated that the representations contained in the above and forgoing are true. WITNESS my hand and Notarial Seal, this 21 dayof_ # yt LOE, Commission Expires: Notary Public:_f ype Printed: Men Residingin Agtimere County Alyssa M Monn Notary Public Baltimore County Maryland My Commission Expires May 2, 2026 BBBA File: 350575NOTE, SECURITY AGREEMENT & ARBITRATION AGREEMENT (Kentucky) ‘Name & Mailing Address of Borrower(s) Co-Borrower(s) JEREMY STRADTMAN Maturity Date TA §360 STILLWELL BECKETT RD CO-BORROWER ADDRESS IF NOT THE SAME. og/02/2022 ccount No. OXFORD, OH 45056. i ‘The borrower(s) who sign this Note, Security Agreement & Arbitration Agreement (noi) are called yow or your. The lender/ereditor, Mariner Finance, LLC, whose address is 4971 HOUSTON ROAD, FLORENCE, KY 41042 . is called we, us, or our. Each borrower is responsible for individually repaying the loan in full, ‘These disclosures are required by law and are part of this note: Amount Financed Total of Payments The amount of credit provided to you| The amount you will have paid after jor on your behalf. you have made all payments as scheduled. $4,182.57 $5,912.65 Your payment schedule will be: ‘Number of Payments Amount of Payments | When Payments Are Due | $ 42/02/2019First Payment Date 1 33 $ 172.74 ‘Other payments are due on the same date each following month until paid in full | Security. You are giving a security interest in’ [1 the goods or property being purchased. & Auto / PP (“PP™ means certain household items) Late Payment: Ifa one-half (1/2) or more of any payment remains unpaid more than 7 days after it is due, you will pay a late charge equal to 5.00% of the amount of the scheduled payment, or $15.00, whichever is greater. Prepayment: If you pay off early, you will not have to pay a penalty and you may be entitled to a refund of part of the finance charge. ‘See the rest of this note for additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds and penalties. @ means an estimate temization of Amount Financed 12.$___ 4,182.57 Amount Financed (Sum of 3-11) 1. $___3,159.70_ Net Balance-Prior Account 13.$. §0.00_ Prepaid Finance Charge (Loan Processing Fee) 2.8 NONE Plus Accrued Interest 14, $4,232.57 Cash Advance (Amount Fin, + Prepaid Finance Charge) 3. $__2.366.85_ Unpaid Balance-Prior Account 4.$. 408.89 To Insurance Company for Life Ins.* Al your direction and request, on your behalf and for your benefit, we will 5.$. 301.88. To Insurance Company for Dis. Ins.* disburse the following (including any items described on Schedule B): 6S. NONE. To Insurance Company for Property Ins.* a)$__.1,000.00 _ To JEREMY STRADTMAN 7.$__ 10.00. To Insurance Company for Non-Filing Ins.* b)$___ 379.95 _ To JEREMY. STRADTMAN &.$ NONE. To Insurance Company for Invol. Unemp, Ins.* °)§. NONE _ To N/A 9.8. NONE To Insurance Company for Single Interest Auto Ins.* | d) $. NONE _ To N/A. 10.8. 15,00 To Public Officials for Recording Fees «)$. NONE To N/A IL §, 1,379.95 Cash to Borrower(s) 8. NONE. To N/A. Bs. NONE To N/A. Li) §__ NONE To NA *We or our affiliates may receive benefits from your purchase of these items, You promise to pay us the Total of Payments stated above, which includes interest computed in advance on the Cash Advance stated above at the annual simple interest rate of ___ 23,99.% (the Interest Rate), in monthly payments as scheduled above. All payments we receive will be applied first to late and bad check charges, then to the unpaid Total of Payments until it is paid in full. You will pay interest on the unpaid Cash Advance after maturity (whether originally scheduled or accelerated) and afler judgment until paid in full at the Interest Rate, ‘You agree to pay a loan processing fee as stated above, which is deducted from the proceeds of the loan (up to $150). ‘The loan processing fee (up to $50) is earned when the loan is made and will not be reflinded ifthe loan is prepaid. The amount of any loan processing fee more than $50 will be subject to a pro rata refiind if the Joan is prepaid. Purchase of credit lif, credit disability and involuntary unemployment insurance is not required and such insurance won't be provided unless you sign and agree to pay the additional cost. You may purchase { or more of these coverages at your option. [Term [Premium —) {Credit Life ‘You want credit life insurance, Signature 222600 STR LOT Bi Single O Joint Coverage|__34_|$__ 108.89 _ | You also want joint credit life insurance. Signature Credit Disability ‘You want credit disability insurance Signature. 1AsWU TRIE TOD | Single D Joint Coverage| 34 _|$_ 301.88 | You also want joint credit disability insurance, __ Signature Involuntary Unemployment You want involuntary unemployment insurance, — Signature, [DSingle 1 Joint Coverage|_NA__|S__NONE | You also want joint involuntary unemployment ins, Signature | Property Insurance. You may buy property insurance from anyone you want. If you get single interest auto property insurance through us for a term of N/A_ months, you will pay $ NONE Ifyou get dual interest property insurance through us for a term of N/A__ months, you will pay SNONI : You want CJ single interest auto property insurance (1 dual imerest property insurance through us. Signature You agree to pay the charges permitted by applicable law. We charge only one late charge on any payment or part of a payment, You will pay us a bad check fee of $25.00, or the amount passed on from other financial institutions, whichever is greater, if you make any payment with a check or like instrument that is dishonored. In addition, as of any regular due date, with our consent, you may defer an unpaid payment, and extend the maturity date of this note by a corresponding period. You agree to pay us a fee for such deferment, up to the amount of any maximum deferment fee allowed by law: ‘You grant us a security interest in the following property, all parts, accessories, and ‘equipment now or later added to the property, and all proceeds (collectively, the Property). We give up any right we have (now of later) to consider collateral you give us for another obligation as coltateral for this note unless it is described in this note. @ Motor Vehicle(s) described as follows INEW | YEAR AND MAKE INO. TSERIES NAME BODY, TYPE & MODEL|IDENTIFICATION NO. OR CYL (Also No. if applicable) NO. (Serial or Motor No.) USED. (ftruck, tons capacity) Used 2002 MERCEDES-BENZ iE Class Sedan 4D E320 AWD. WOBJF82J52X066012 Personal Property. See attached Schedule A. which is part of this note, for more detail. ‘You may prepay this loan in full or in part at any time. Ifyou prepay in part, you must still make cach later payment in the original amount as it becomes due until the loan is paid in full. If you prepay this loan in full, we will refund or credit the unearned interest portion of the finance charge. A refund or credit of less than $1.00 will not be made. [f the original term of the loan is 61 months or less, we will compute the refund or ‘credit in accordance with the Page 1 of 3Kentucky Consumer Loan Law, K.R.S. § 286.4-530(6), as aiended, which requires a portion of the interest charges applicable to the full installment periods following the installment date nearest the date of prepayment to be refimded according to the Rule of 78's, 1f the original term of this loan is more than 61 months, we will compute the refund or credit based on the actuarial method. ‘You promise that: you are the owner of the Property and, if there is a certificate of title to the Property, you will promptly deliver the certificate to us; you will not sell, lease or otherwise dispose of the Property without our prior written consent: you will keep the Property in this state, unless the Property is a motor vehicle, in which case you only will use it outside this state in the course of your normal use of the Property; you will not use the Property in violation of any law or in any manner inconsistent with any insurance policy; you will pay all taxes, assessments and other fees payable on the Property when they are due and payable; only we have a security interest in the Property unless you have told us in writing about another security interest; you will not permit any other security interest to be on the Property without our prior written consent; and you will keep the Property in good condition and repair and you will not permit anything to be done to the Property that would impair its value. ADDITIONAL TERMS AND CONDITIONS . We may inspect the Property at any reasonable time. You will show us the Property or give us a written statement showing the location of the Property whenever we ask, You authorize vs to file all financing statements, continuation statements and security interest filing statements with respect to the Property and you agree to sign such statements at our request. If the Property is a motor vehicle, you agree to buy and maintain primary physical damage automobile insurance consisting of comprehensive and collision coverage, covering loss or damage to the Property. You may purchase the required insurance from an insurer of your choice. Your physical damage insurance policy must insure the Property for its fall replacement value with a deductible amount of no more than $500. Your insurance policy must say that the insurance is payable to us to the extent of what you owe us and you must give us a loss payable clause satisfactory to us. You assign any retumed or unearned insurance premiums due upon cancellation of any insurance policy to us. You direct the insurance companies to pay us all insurance proceeds and returned or unearned insurance premiums. . You will be in default if you do not make a payment when it is due; you are (or any other person puts you) in bankruptcy, insolvency or receivership; any credit information you gave to us or any representation you make to us in this note is materially wrong; you do not fulfill any obligation of yours in this note; or you die. . When you are in default, we may require you to pay the entire balance of this loan, less a refund or credit of the unearned interest computed in the same way as if you had made payment in full in advance, in addition to any other remedies we have. If we place this note in the hands of an attorney, not our salaried employee, for collection, you agree to pay the reasonable fees of our attomey. You also agree to pay ali costs and other expenses of collection and enforcement authorized for a secured party under Article 9 of the Kentucky Uniform Commetcial Code, as amended. ‘When you are in default, we have the rights and remedies of a secured party under Kentucky law, including the right to repossess the Property. Ifthe law requires us to give you notice of sale or disposition of the Property, 5 days prior notice will be reasonable notice, unless a longer notice period is required by law. The notice may be sent to your address last shown on our records, We tay require you to assemble and make the Property available to us at any place convenient to both of us. If any of your possessions are in or attached to the Property at the time it is repossessed, you authorize us to take them. without any liability, We will store them for you safely. We will tell you where they are stored and you may redeem them. Ifyou do not claim your possessions within 90 days after the Property is repossessed, we may dispose of them without notice to you in any manner we deem appropriate. You agree to pay any deficiency after the sale of the Property, 6. We can waive or delay enforcing any of our rights without losing them. We can waive or delay enforcing a right against one of you without losing it as to the other. We can telease one of you without releasing the other. You consent to extensions of time without notice. 7. Kentucky law and federal law govem this note. If any part of this note is unenforceable, this will not make any other part unenforceable (subject to the paragraph below titled Other Agreements). You won't be required to pay interest or charges in excess of those permitted by law. In addition, if any provision of this note is contrary to the rights and protections afforded to any “covered borrower” as defined in the Military Lending Act, such contrary provision of this note shall be inoperative and shall have no force or effect in connection with such “covered borrower.” however all remaining provisions of this note shall remain in full force and effect. p we = w Military Lending Act Disclosures: THE FOLLOWING DISCLOSURES APPLY IF YOU ARE AN ACTIVE DUTY MEMBER OF THE MILITARY OR A DEPENDENT OF AN ACTIVE DUTY MILITARY MEMBER. Matiner Finance appreciates your and your family’s service to our country. As an active duty member of the military (or dependent of an active duty military member), the Federal Military Lending Act (“MLA”) provides you with certain protections. Please see below for important information about your loan. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit toa member of the Armed Forces and his or her dependents may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: ‘The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please also call 1-877-299-3124 to receive your MLA disclosures over the phone. READ THE BELOW ARBITRATION AGREEMENT CAREFULLY. IT PROVIDES, AMONG OTHER TERMS: * YOU OR WE MAY ELECT TO HAVE DISPUTES BETWEEN US RESOLVED BY BINDING ARBITRATION INSTEAD OF IN COURT. ¢ IN ARBITRATION YOU GIVE UP THE RIGHT TO SUE IN COURT AND DISCOVERY AND RIGHTS OF APPEAL ARE LIMITED. A NEUTRAL ARBITRATOR RESOLVES THE DISPUTE INSTEAD OF A JUDGE OR JURY. ¢ YOU MAY NOT PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN ARBITRATION OR IN ANY OTHER CONSOLIDATED PROCEEDING, * YOU MAY REJECT THE BELOW ARBITRATION AGREEMENT FOR A CERTAIN AMOUNT OF TIME AFTER THE NOTE DATE, The below Arbitration Agreement does not apply to any “covered borrower” as defined in the Mi ilitary Lending Act. By signing this note, you agree to this Arbitration Agreement (Agreement), This Agreement is part of your note. In this Agreement, “you,” “we,” “us,” and “our” include subsidiaries, affiliates, agents, employers, successors, and assigns. Arbitration Agreement. You or we may elect to have any Claim (defined below) resolved by neutral binding arbitration instead of in court. You waive any right you have to resolve a Claim between you and us in court. You waive any right you have to participate as a class representative or class member. Claim, Claim means any claim or dispute, whether arising in law, equity, or otherwise, and regardless of the type of relief sought arising from or relating to your application for credit, the note, the origination, servicing and enforcement of the obligation, any other product or service you buy, and any relationship that results from the note, the underlying obligation or any of the foregoing. Claim includes initial claims, counterclaims, cross-claims, and third-party claims, Claim also includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation and ordinance. “Claim does not include any dispute or controversy about the validity, enforceability or scope of this Agreement or any part thereof (including, without limitation, the Class Action Waiver set forth below, subparts (A) and (B) of the “Other Agreements” section set forth below and/or this sentence); all such disputes or controversies are for a court and not an arbitrator to decide. Any dispute or controversy that concems the validity, enforceability or scope of the note as a whole is for the arbitrator, not a court, to decide. Small Claims. You and we retain the right to seek individual relief in small claims court so tong as the Claim is only in that court and is within that court's jurisdiction. Filing or pursuing a Claim in small claims court does not waive any right to seek arbitration for Claims outside the court's jurisdiction or if the Claim is transferred, removed, or appealed to a different court. Page 2 of 3 KY NOTE 6.2019Excluded Claims. The following claims, called Excluded Claims, are excluded from the arbitration process: (a) self-help remedies (such as repossession), (b) foreclosure, replevin, garnishment, (c) any individual action in court by one party to prevent the other party from using a self-help remedy and that does not seek damages or monetary relief of any kind, and/or (d) public injunctive relief. Pursuing an Excluded Claim in court does not waive any right to seek arbitration for Claims that are not excluded, Non-Waiver. Even ifa Claim is brought in court, you or we may choose to arbitrate any Claim made by a new party or any Claim later asserted by a party in that action or any related or unrelated lawsuit. Nothing in that litigation shall constitute a waiver of any rights under this Agreement. Arbitration Process. Arbitrations will be conducted by the American Arbitration Association (“AAA”) or, if the AAA is not available, another arbitration organization, subject to agreement by bath you and us. If you and we cannot agree, a court with jurisdiction will appoint the arbitration organization or arbitrator. You can find the rules of the AAA by visiting its website at www.adrorg. Arbitrators must be attomeys or retired judges with at least 15 years of experience practicing law. Arbitrators must be selected according to rules of the AAA or any other agreed or appointed arbitration organization. Arbitrators must apply substantive governing law consistent with the Federal Arbitration Act and applicable statutes of limitation and privileges. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including, without limitation, punitive damages (which shall be governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim). ‘The arbitration hearing will be conducted in the federal district where you live. The arbitration may take place somewhere else more convenient to you ifrequired by the rules of the AAA or any other agreed arbitration organization. Ifyou and we agree, the arbitration can be conducted by telephone. We will advance and/or pay any fees and costs required by the rules of the AAA or any other agreed or appointed arbitration organization to ensure this arbitration agreement is enforceable. You and we will each pay our own attomey’s fees and witness and experts’ expenses, except as otherwise required by the note, applicable law or this Agreement. The arhitration award must be in writing. Any award must be kept confidential, The arbitrator's decision is final and binding. You and we have a limited right to appeal as permitted under the Federal Arbitration Act or the rules of the AAA (or the rules of any other agreed or appointed arbitration organization if such organization conducts the arbitration). No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have preclusive effect in an arbitration between the parties to this Agreement. 30 Days to Resolve Claims. Before you start an arbitration, you agree to write to us at our address below (or any changed address that we have provided 1o you in writing) and give us a reasonable opportunity to resolve your Claim. Your letter must tell us your name and account number, describe your Claim, including the dollar amount of your Claim, and describe any other information you need from us. Before we start an arbitration, we must write to you at your address at the top of the note (or any changed address that you have told us about in writing), describe our Claim, including the dollar amount of our Claim, and give you a reasonable opportunity to resolve the Claim. We each have 30 days from receipt of notice to resolve the Claim before starting an arbitration. Applicable Law. This Agreement relates to a credit transaction involving interstate commerce and. is governed by the Federal Arbitration Act (9 ULS.C. § | er seg.), and only in the event and to the limited extent that the Federal Arbitration Act does not apply, the law of the state governing your note will apply. CLASS ACTION WAIVER, OTHER THAN AS EXPRESSLY PROVIDED IN THIS AGREEMENT, YOU AND WE AGREE THAT IF ARBITRATION IS ELECTED, ONLY AN ARBITRATOR MAY RESOLVE CLAIMS. YOU AGREE NOT TO BRING OR PARTICIPATE ASA CLASS REPRESENTATIVE OR CLASS MEMBER IN ANY CLASS ACTION IN COURT OR IN ARBITRATION ORIN ANY OTHER CONSOLIDATED PROCEEDING OR PRIVATE ATTORNEY GENERAL ACTION, ANY CLAIM BETWEEN YOU AND US MUST BE RESOLVED ON AN INDIVIDUAL BASIS. ARBITRATION IS NOT AVAILABLE AND WILL NOT BE CONDUCTED ON A CLASS-WIDE OR CONSOLIDATED BASIS. Other Agreements. If any part of this Agreement is found by a court or arbitrator to be unenforceable, the remainder is enforceable, except that: {A) If the Class Action Waiver is limited, voided or found unenforceable in a proceeding between you and us, then this Agreement (except for this sentence) shall be null and void with respect to such proceeding, subject to the right to appeal the limitation or invalidation of the Class Action Waiver; and (B) if'a Claim is brought seeking public injunctive relief and a court determines that the restrictions in the Class Action Waiver or elsewhere in this Agreement prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination becomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in court and any individual Claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. This Agreement will survive the termination of the note, regardless of reason for termination, the sale or assignment of your obligation by us to a third party, the repayment of some or all amounts owed under the note and any bankraptey by you, to the extent consistent with applicable bankruptcy law. In the event of a conflict or inconsistency between this Agreement, on the one hand, and the applicable arbitration rules or the other provisions of the note, on the other hand, this Agreement shall govern, Except as otherwise stated in this Agreement, either you or we can compel arbitration in any court proceeding, regardless of which party filed suit. Either you or we can enforce an arbitration award. This Agreement does not stop you from filing a complaint with a federal, state, or local regulator. Rejection of Agreement, You may reject this Agreement by sending us a rejection notice at 8211 Town Center Drive, Nottingham, MD 21236 (and no other location) within 60 days after the date of the note. The notice must inclede a statement that you reject the Agreement, and your name, address, telephone number, and account nunber. You must sign the rejection notice in order for it to be effective, Rejection of this Agreement will not affect any other provision of the note. You received a completely filled in copy of this note before you signed it. AIl3 pages of this note and Schedules A and B (ifany) are specifically incorporated in this note by reference. This note (all 3 pages) and Schedules A and B (ifany) is your entire agreement with us and cannot be changed except in writing signed by us. Pages 2 and 3 contain an arbitration agreement that is part of this note. By signing below, you agree to all of the terms of this note and you authorize us to order credit reports on you from time to time. You ask us to make the payments listed above and on Schedule B (if any). FE. LEREINY. STTAD TMA {SEAL) (WITNESS) (BORROWER) (SEAL) (WITNESS) (BORROWER) (SEAL) (WITNESS) (BORROWER) (SEAL) (WITNESS) (BORROWER) Any individuals that sign this note as non-obligor below sign solely for the purpose of granting us a security interest in the Property and such individuals are not obligated for the payment of any monies. (SEAL) (WITNESS) (NON-OBLIGOR) SEA se criorergptnee ner enn edit tee SEAL) (WITNESS) (NON-OBLIGOR) Ti The following notice applies if this box is checked: 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 WITH THE PROCEEDS HEREOF, RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. | ‘The within instrument or agreement is pledged as collateral to Wells Fargo Bank, N.A, Page 3 of3 KY NOTE 6.2019JEREMY STRADTMAN Account Statement ME P00 5360 STILLWELL BECKETT RD Interest Rate 23.99000 OXFORD OH 45056 Regular Payment 172.74 Due Date 02/02/2022 Date Transaction Monetary Field Amount Balance Due Date Start 10/18/2019 Stop 04/26/2022 ¢ {ORSI2019 Le | Customer Payment emmrntrntmnhracone? Total in 213.00 | Principal 213.00 5,699.65 Total Out 213.00 r 01/07/2020 me CustomerPayment ——~—S*~ASSSSSSSSS | Total in 172.74 | Principal “172.74 5526.91 | | Total Out 172.74 | "03/07/2020 in Pmt by Ck ‘Customer Payment 773.00 02/02/2020 | Total In 173.00 | Principal -173.00 5,353.91 | Total Out 173.00 [ fain PmibyCk~S*S*~C*~*~CS”S store Payment” SS”SCTSSCSSCSCSCS~S~S~« OTB | Total in 172.74 | Principal 172.74 5,181.17 Total Out 172.74 BESS LATE CHARGE Late Charge 15.00 | 04/15/2020 in Pmt by Ck CustomerPayment. —~—~Ss172«74~S*~CS~*~*S«—HNQDZODSS~«~™: \ Total In 172.74 Principal “187.74 5,023.43 Late Charge -15,00 | Total Out 172.74 [~~ es10872020 in Pmt by Ck ‘Customer Payment 172.74 05/02/2020 Total In 172.74 | Principal “172.74 4,850.69 | Total Out 172.74 _. nl Late Charge 15.00 | ~Gastomer Baymont 0G | Total In 186.71 | i Principal AAT 4,878.98 | | Late Charge 15,00 { Total Out 186.71 | an BESSLATECHARGE = ==—~—~—~—~S~S~*~C Late Charge =——=—“‘*‘*sSOSOSC*C*~‘“‘S™*~*S OF MARINER FINANCE, TLC 04/26/2022 1752 AMJEREMY STRADTMAN Account Statement HE >ag02 5360 STILLWELL BECKETT RD Interest Rate 23.99000 OXFORD OH 45056 Regular Payment 172.74 Due Date 02/02/2022 Date Transaction Monetary Field Amount Balance Due Date Start 10/18/2019 Stop 04/26/2022 CO O0I2036 Principal Late Charge Total Out 4,521.24 ISESSLATE CHARGE —~—~——~—~S~S™~CSCLate Charge. 08/21/2020 lin Pmt by Ck Customer Payment ~~ 98/02/2020 Total In innit Principal Late Charge Total Out 4,363.50 09/18/2020 | i Customer Payment 09/02/2020 Total In Principal 4,205.76 Late Charge | Total Out SESS LATE CHARGE Late Charge L 10/09/2020 10/16/2020 Customer Payment Total In Principal 4,048.02 Late Charge Total Out 1170972020 SESS LATE CHARGE Late Charge 1727/2020 lin Prot by Ck ‘Customer Payment 727 ™ ~ "717022020 Total In Principal Late Charge i | | 3,890.28 | { 1 | { | [sa Total Out — i SESS LATE CHARGE Late Charge | lin Prot by Ck Customer Payment 42/02/2020 Total In Principal Late Charge 1 | | 3,732.54 { | i Total Out | MARINER FINANCE, LLC 04/26/2022 1752 AMJEREMY STRADTMAN Account Statement HE 2003 5360 STILLWELL BECKETT RD Interest Rate 23.99000 OXFORD OH 45056 Regular Payment 172.74 Due Date 02/02/2022 Date Transaction Monetary Field Amount Balance Due Date Start 10/18/2019 Stop 04/26/2022 ¢ 6169/2084 Le Principal Late Charge Total Out 02/09/2021 Tate Charge ~~ 02/1972021 Total In Principal Late Charge Total Out ‘o7109/2021 ESS LATE CHARGE Late Charge MARINER FINANCE, TLC Customer Payment Customer Payment 3,574.80 3,417.06 03/02/2021 bo SS0S0ET Mn Pr by CT stom Bagman ET | | Total In 172.74 i | Principal “172.74 3,244.32 | | Total Out 172.74 | 04/05/2021 Callin Pmt by Ck CustomerPayment. ——==S*~«TASSSSCSC~<“CS~*~“‘“=<=~*‘~*~*«SRODIOSCSC*C*C‘“*;‘ Total in 172.74 | Principal “172.74 3,071.58 i Total Out 172.74 | 05/08/2021 ASSESS LATE CHARGE Late GhageSOSSC*~C*~<“‘~“~*“‘«‘S SSSCSC“‘“‘*S*S*“‘“‘“‘SSSSS SY 05/14/2021 Callin Pmt by Ck ““CustomerPayment. —~—~—~*~*«~STS*~*=“‘“‘~*S*S*S*”*:*;*« NO RIOSCSCS | Total In 172.74 | Principal “187.74 2,913.84 | Late Charge -15,00 | Total Out 172.74 | 06/09/2021 ESS LATE CHARGE lateChage ~~ ~1500.~”~”~”~C”C:CSNT—S.CONSSOCS~SC“‘C=CS | “06/11/2021 linPmtbyCk~~~SCS*S*~*~CS*~*S*~*:C stor Payment ~=~~S~S*~*~*~*~«TWAS*C*~“<~*“‘~*~*~*~*~*~*~S*«SORIOSCS*W | Total in 172.74 | Principal “187.74 2,756.10 | Late Charge -15,00 | Total Out 172.74 | LL 04/26/2022 1752 AMJEREMY STRADTMAN Account Statement a Page 4 5360 STILLWELL BECKETT RD Interest Rate 23.99000 OXFORD OH 45056 Regular Payment 172.74 Due Date 02/02/2022 Date Transaction Monetary Field Amount Balance Due Date Start 10/18/2019 Stop 04/26/2022 CO" OTia8i2054 lin Prat by Ck ) Principal 2,598.36 | Late Charge | Total Out | “0809/2021 BESSLATECHARGE ——~—~—~—~S~S~S~S~SC Late Charge 4 ‘Gustomer Payment T7274 | Total In 172.14 | Principal 187.74 2,440.62 | Late Charge -15.00 | Total Out 172.14 | | L [waar | 10/01/2021 i Customer Payment 7 | Total In 48.81 i | Principal -33,81 2,406.81 | | Late Charge -15.00 | | Total Out 48.81 | BESS LATE CHARGE Late Charge 500 TT 70/15/2021 CustomerPayment. —~—~—~«SA2«4S*~