Preview
FILED: QUEENS COUNTY CLERK 09/20/2023 03:01 PM INDEX NO. 719518/2023
NYSCEF DOC. ª#'""
NO. 2 SECURITY RECEIVED
AGREEMENT NYSCEF: 09/20/2023
RETAIL INSTALLMENT CONTRACT
Castm Diego, S.
Address CLOVER COMMERCIAL CORP.
2650 MERMICKROAD,BELLMORE,N.Y,11710-5707
1435 Bedford St #11C State tip One
wh
Ciy , C 7
3/4/2023 7
Stamford, CT, 06Q05
thiscontract,fortheTotillSalePliceshowiLYoungreathatthenumericalamountsshown
anbothsidesof
chosentomakethispurchasefromusonadefenadpaymentbasis,underthetermscontained
shown withthepayment
belowinaccordance inthatSection.
schedule
o fthispurchase to
andpromise the
pay Seller
theTotalofPayments
thedetails
reflect
belowaccurately
R NUMBER
SERIAL LICENSE PLATE NO· c iltÎERS COLOR
YEAR MAKE MODEL
:SRi Used WRARF3Gh7GNL1I1333'I HM 4 White
9n1A RIuW
THISCONTRACTBEFORE YOUREADIT ORIF
NOTICE TO THE BUYER: 1. 00 NOTSIGN CDPY
FILLED-IN 0F 2 LESSTRADE
ANY S
BI.ANK PACES.
2. YOUARE ENTITLEO
TOA COMPLETELY IN 0.00
ITCONTAINS
YOUSIGNIT.3. UNDER THELAW,YOUHAVE THEFOLLOWING RIGHTS, (Yr..Mas.Mod.n.............................. s
THISCONTRACTWHEN APARTIAL
THEFULLAMOUNT DUEAND TODBTAIN
AMONGOTHERS:(a)TOPAYOFFINADVANCE DUE,AN 22,595.00
REFUND0F THEFINANCECHARGE. IFYOUPAYOFFINADVANCE TN£FULLAMOUNT CASHPRICE (1 LESS2)............ $
FROMTHE FINANCECHARGE BEFOREAPPLYlNg3 TAXABLE
OF$15.00
ACOUISITIONFEE WILLBEDEDUCTED
BE
ACTUARIAL METHOD 70 COMPUTE THE REFUND.NOREFUND UNDER $1.00WILL
THE
MADE,(b)TOREDEEMTHEPROPERTYlFREPOSSESSEDFORADEFAULT,(c)TOREQUIRE,UNDER
4 SALES TAX - S
CERTAINCONDITIONS,ARESALEOFTHEPRDPERTYREPOSSESSED.4.ACCORDINGTOTHELAW
YOUHAVETHEPRMLEGEOFPURCHASINGTHEINSURANCEONTHEMOTORVEHICLEPROVIDED DEALERPROCESSINGFEE ...................... $ 175
5a.
FDRINTHISCONTRACTFROMANAGENTORBROKEROFYOUROWNSELECTION.IUNDERSTAND ....................... 100.00
5b. REGISTRATION/TITLE FEE s
INSURANCE
LIABILITY FOR BODILY I NJURYA NDPRDPERTY
THATSELLERISNOTPROVIDING COVER ..............................,.... $ 0.00
CAUSEDTO OTHERS AND THATISHOULD OBTAIN P ROPERTY INSURANCETO 5c, INSPECTION
DAMAGE
DAMAGETOTHEMOTOR
PHYSICAL VEHICLE. 5d.OTHER 0.00
,. . ...... ., . . ,, ,. . .. . ., , ., , ., ,. .
(PLEASESPECIFY) $
.................... $ 7.500.00
OFTHISCONSUMER
NOTICE: ANYHOLDER CONTRACT
CREDIT TOALLCLAIMS6 CASHDOWNPAYMENT
ISSUBJECT
THEDEBTOR COULO AGAINST
ASSERT THESELLER OR
0F GOODS
ANDDEFENSES
WHICH RECOVERYHERE-
7 AMOUNTFINANCED 16,804.78
ORWITHTHEPROCEEDSHERE0F.
SERVICESOBTAINEDPURSUANTHERETO t
(THESUMOF3 PLUS4 PLUS5 LESS6) ......
THEDEBTOR
UNDERBY SHALL TOAMOUNTS
BELIMITED PAIDBYTHEDEBTORHEREUNDER.
FINANCE CHARGE Total of Payments Total Sale Price
Amount Financed
The amountyouwillhave ThetotalCOstOfyour pur- PERCENTAGE RATE
TheamountOfCredit The dollaramountthe ChaSoOnCreditIncluding
providedto youOrOn Creditwill COstyou: paidafteryou havemade ThecOStOfyourCreditaSa
aSScheduled:
all paymentS yourdownpaymentOf: yearlyrate:
yourbehall:
$ LS___14.2.82EfL..__.. S 31.08744 38.587.44
18.R04.79
YOURPAYMENT S WILLBE
CHEDULE
OFPAYMENTS WHENPAYMENTSAREDUE
NO.OF PAYMENTSAMOUNTS
MONTHLY,
BEGINNING pg
72 W1,77 MONTH ADDRESS
ATYOUROFFICE OR
PAYABLE
ALLPAYMENTS ONTHESAMEDAYOFEACH
ADDRESS
THEOFFICE OFTHISCONTRACT."
OFANY"HOLDER
SECURITY:YOUARE GIVINGA SECURITYINTERESTINTHEVEHICLEBElNGPURCHASED.
WITHA MINIMUMCHARGEOF$30.00,ON
LATECHARGE:YOUWILLBE CHARGEDA LATECHARGEOF 10%OFTHE MONTHLY INSTALLMENT,
ANYPAYMENTRECEIVEDMORETHAN10 DAYSAFTERTHEDUEDATE.
CHARGE.
PREPAYMENT:IF YOUPAYOFFEARLY,YOUMAYBE ENTITLEDTO A REFUNDOF PARTOFTHE FINANCE
ABOVEANDONREVERSE S IDEFORADDITIONAL ABOUT
INFORMATION NONPAYMENT, REQUIRED
DEFAULT,
SEECONTRACT TERMS
REPAYMENT INFULLBEFORETHESCHEDULEDDATEANDPREPAYMENT REFUNDS.
(forDealer Theundersigned
Only) seMs,
hereby andsetsuntoCLOVER
transfers, COM-
ASSIGNMENTOF THIS CONTRACT: THISCONTRACT MAYBEASSIGNED TOCLOVER onthereverns
asshpenent side
OuPROMPTLY
N.Y.11710-5707.WEAGREETONOTIFYY MERCIAL CORP.
undertheTerms ofthedealer
andCondllions
MERRICK
2850
COMMERCIALCORP. RD,BELLMORE,
OFSUCHASSIONMENT. RECOuRSE (5months. ACCEPTED
thiscontract.
lun,%recourse) BY
SECURITYINTERESTTOPROTECT SELLERuNTIL
YOUHAVEPAIDALLYouOWEUNDERTHISwith
YOUGIVE
CONTRACT, USA SECuRITYINTERESTINTHISVEHICLE, ANDSPECIAL
FrSACCESSORIES Glmens Auto Mall. Inc
uSED
EQUlPMENT
AUXILIARY INCONNECTION ANDINALLPREMluM
WrrHTHEVEMICL.E REFuNDSANDSeller
Seller'sPlace
OFINsURANCE
CLAIMPROCEEDS ONTHE VEHICLE.
Of M . 11
ORAL STATEMENTS:THISCONTRACT CONTAINSALLYOURRIGHTSANDRESPONslBILmES.
REPREsENTATIONs.
NOWARRANTIES, ORSTATEMENTs,PROMISES
ORINDUCEMENTSAREVAUD
INTHIsCONTRACT.
ARECONTAINED
uNLESSTHEY
lHAVEREADTHISRETAILINSTALLMENTCONTRACT.IUNDERSTANDTHATITCONTAINSALL OURRI ITSANDRESPONSIBILITIES.ITCANNOTBECHANGED
WRITTENPERMISSION. IHAVEREADTHETERMSONTHEREVERSE SIDEANDJNDERSTAND THATTHEYAREPARTOFTHISRETAIL
WITHOUT SELLER'S ANDSPANISH.
T00.I HAVERECElVED ACOMPLETED COPYOFTHISRETAllINSTALLMENT CONTRACT, BOTHIN ENGLISH
INSTALLMENTCONTRACT
(BUYER SIGNHERE) (BUYER SIGNHERE)
. GUARANTY
accompanied WHATI'M
by this guaran,ty.
WHYI'M GUARANTEEING THIS CONTRACT.So sellerwill extendcreditto the Buyeras providedin the Contract sues collect
GUARANTEEING. I guarantee all contractpaymentswill bemadewhendueandall contractpromiseswill bekept.COLLECTIONCOSTS.11Seller Ttoheattor-
in doingso I promiseto payanattorney'sfeeand all othercostSof collectingtheamount d ue.
anyamountdueunderthis guarantyandhire an attomey AllpersonSsigningthis guarantywill bereSponsible, individu-
nay'sIcewmbeup so15%of theamountdue,unlessa courtsetsa smallerfee.RESPONSIBILITY. dueunderthis e venif selferdoesnotsueanyone
dueunderthis guaranty. S ellercansuemeto collectamounts guaranty.
ally andtogether,tor payIngall amounts notmadeby the dayIt is due.Sellercando any
else.NONOTICEORLDSS0F RIGHTS.SellerdoeSnothaveto notifymeif anypaymentundertheContractis for payingany amountdueunderthe Con-
of the followingwithoutnotifyingme or losingany right againstme underthis guaranty:(1) Giveanyoneresponsible amountdue underthe Contract.or (3) Giveup
tractadditionaltimeto pay it; or (2) Giveup or delayenforcingany a
rightagainst nyoneresponsible
f or paying any
the contractagrees.Atthetime I
or delayenforcingany right in anypropertysecuringthe Contract;or (4) Changeanytermof theContractif anyoneelsesigning signed meis printed.
signedthis guaranty,I receiveda completedcopyof the trantandbackof theRetailInstallmentContractonwhichthls guaranty by
(GUARANTOR) (GUARANTnR)
(GUARANTOR) (GUARANTOR)
SEE OTHER CONDITIONS OF THIS CONTRACT ON THE REVERSE SIDE.
ORIGINAL
FILED: QUEENS COUNTY CLERK 09/20/2023 03:01 PM INDEX NO. 719518/2023
NYSCEF DOC. NO. 2 CONDmONS RECEIVED NYSCEF: 09/20/2023
ftpW TFiEFINANCECl1ARGEIS.FIGORÉD.: ..._.
TheFinanceCharge,whichconsistsònlyof internet,.has beencomputeduponthebasisthatI will payallinstallmantsontheschedu!et)
receivedlaterthanthescheduleddue date,I wiVbeobligatedto duadates.fi anyinhtallmentis
paysp haddhlonalamountsas maybecomepayabiaby reasonchhe accrualomarest calculater)
daily'up¬ntheunpaidbalance.oftheAmountF(nenced.In theeventthat installmentis madein.advanceof-theschetluledduedate,.theInterestchargeswjll be
rpducédacyofdinglw..The any
amopotäfil! de?creape orincipaásiMllbe feflectedin th finil payitwilt.
WARRANTIESiUnlesssellerand.you6thtitwlsea!ree Jnƒriting,therearano warrantleswhichextend.beyond
agreethatthefeis no warrantyof merchantability thedescriptiononthereverseside.Speclilcally,you
or warrantyof fitnessf1r a particularpurpose.
PAYNiENTS:Paymentsreceivedafter 11:00AMisasterntimeor onweekendsor holidays notbe
for paymentsmade.toanyoneotherthanCloverCommercial may credisd uIlil thenes buelnessdayMe willnotlasresponsible
Corp.
EachpaynientI mäkr, hthisRétailInstallmentContractwilibeuppliedfirstco
andfimillyanyprincipalthatIsdue.Nolatechargowillbe assessadon anychames1o•eotherthanths pdncipalandintxect, thentointeret thatis oba.
andthopaymentis.otherýe a.iuilpayment. anypayrnantwhentheonlydolinquene;is duetofatechargraasssued ornearlierpaquents
A $8.00processingfeewillbetharge for anypaymentthatis processedoverthephons
Theactualamountof my finalpaymentwilldependotr oaymeritrecord. by CloverCommercia!Corp.
INTERESTAFTERMATURITYAND .1UDGMENT my . . .
- Interestat the rateprovidedin·lh!sContmet
bninricais paidIn full, evenafter maturityand/orafterwe geta.judgment shallcontmusto eccrueon theunpaid'oatanceuntilthe unpaid
againstyoufor thó.amountsdue.Thiswill applyevenit the maturityoccurebecauseàf
accelerationdtfeto a defaultby you:·lf81anytimeinterestasprovidedforin thisparagraph
is not pe?mittedbólaw;Interestahallaccrueat thehighestratee!lowed
by applicablelawbeginningat thattime.
OWNERStilPANDUSEOF VEHiCLE:Youownthevehicleandnooneelsehas llenorother
anyoneclaimsan-interestin thevehicle,:youwtifdefendselleidsclairñ.Youhave any claimonit.Yoúwillnotse.llit cr do anythingthatwillcrepteone.If
in good-repairandwWnotuss Itfor arryillegalpurpose.Youwill not purchasedthevehicleforyqurprivateuseonlyandyoupromiseto keepthevehlete
permanently removethe vehiclefrom thestatewhereit is registeredwithoutsailer'svnitta.n
permissionandsellarcaninspectthe vehicleat enytime.
RISKOFLOSS:Youwillnotifysellerimmediatelyif thevehicleIs
stillhaveto payselle allamountsdueunderthis agreement stolen,damagedor abusedInanyway.If·thevehicleis stafartlost,damagedordestroyed,youwill
REPOSSESSlÇNr·Seller canrepessessthepurchasedvehicleit tlie entirebalanceofwhatyouowebecomes
thevehicletoseller.If youdo not,sellerhastherightto dueatonce.Ifsellardecidesto-dotlils,youwilldelNer
anterthe.premises
p.eacefully whereit is keptandtakeit. Sallerneednotnotify'youbeforesailerdóëSthisand
sellercanuse iny licenseplatesfor transportingthevehicle4eller cansellthevehicleafter10daysnoticaandapplytheproceedsto thebalanceof whityou owe.
Beforesenerdoes,senercan daductthe costof repossession
Storage,endpreparationforsals.If thesaledoesnotcoverwhatyouowe,youwillstillberesoonsible
for thedifference.Butyoucanstill recoverthevehiclebeforethesejlersellsit
expenses·due bypayingallpastdue Installments,
when.youredeemII. Yourrightto redeemw!Iferidwhenthe repossessed latecharges,repessession còsts,storageaId oMer
vehiclehasbeensold,
ASSIGNMENTiSaltercanassignany ofyourrightsupderthisagreementwithoutyourconssnt.
IRREGULARPAYlaEtiTS:Senerinay acceptlate paymentstr partialpaymentseven .
contract. thoughmarkedªpaidin full withoutlosingany of sellets rightsundertl is
COLLECTIONCOSTS:Youagreato payany nec ssarycourtcostsif sellertakes
ellcmay.Isnolseller'ssalariedsinploysa,tinleséthedourtsetsasmallerfee. collectionactica,plusan 4ttòmers fee of up to 15%of theamountdus if the
OTHERSWHOSIGN:Anyone.elsewhosignsthis agreement.tyIll be responsibletMdMduallyand togetherctothesameextentyouare.
REQUESTFORFULL PAYMENT: .Saltermayreqtiestfull paymentat onceforall youowsunderthis
below,If you:·(a).havemadea farsgormisleadingstatementaboutany Importaritfactin thisContractoContract,.less therefundcredtfor prspaymentexplainedjust
rthe applicationýougave·forcra! approvalforthisfinanclog.
of (b don'tmakeany'paymentwh'spdue;or·(c).dlei oF(d)becomeinsolvent:or (e)tilefor hankruptcyat similarrelief,.orsomeonsputsu iisaoriths vehicle;or the
vehletelessenshi valueor becomesvaluelessor olberthanthroughnormal (f)
depreciation;or your tomaketimelypaymentsis cut off; cr (b)if yoir break
My promlsoyou madein I.hisContract;or (1)anythingelse happensthatmayendangeryour (g) toability this cr
Oncht.!ing,withoutilmildinn, a municipalityor othergovemmentat abillty pay Contract: (!) thewhide is selied by a third party
or quasi-governmental en!!iy)becausaof ths vehicle'sallegedccacumihwolv6ment in actu# or
allegedcriminalcr unlawhoactivityand/orwhereaforfelluro hnebeen institeledin!boforeanyfederahstateorlocalcoodor
sellerdeclaresall ye'uoweunderthis-Contraciirnmerilatelydproceeding
ueandRis paidIn fullor w9suefor it any administtallve hody.li
FINANG CHARSEliguredby theAdluarlai½thod. Sehr G cybtractS15hpm (boFINAFICE andobtaina ludomentan allovancewUIbegivenfor unoamed
made.interest·onthe unpaidportionof thebalancewillbepayablest themaximumrate CHARGEbeforefiguringthùrefund.No mtundunder31.00willbe
INVA)..IDPROVISNNS:If sny provisionor thisContractcan'tbe a!Iowabjaby law.
enforced, the restoftheCon9actwlil stayin effect
WMATLAWGGVERN&Thisis a Ne.vYob.Gr:ntract. AnygoestioneaboutsellarsdghtsendyourrightsunderINGcontractv411ba
YorkState. deci d MterdM todie!swof New
NÓYlCES:Anynoticesellerh sto giveyouwill ba·reasonablEiif sellersentit toyourcurrentaddressshownirrso!!eraiscarrisby
ior noticeof resate)beforeseHer actsonUnenotice.Anynoticeyoûhavetosendto adierwillbe sentto se!iefat seller5addressthownca reg r imil N IMrU dap (Hutey$
kanp' thefrontof theContract.
CAREDE VE)CLE: Youwilf the vehiclein goodcorklillonandrepair.
SACEOFYEMICW:Yaowarrtse!iorotherwisegiveup thevehiclewithoutsellert
writtenaerrain n.
BTLLSANDTAXES:Ifsellerpaysany rapairbills,storagabills,ta·
Preview
FILED: QUEENS COUNTY CLERK 09/20/2023 03:01 PM INDEX NO. 719518/2023 NYSCEF DOC. ª#'"" NO. 2 SECURITY RECEIVED AGREEMENT NYSCEF: 09/20/2023 RETAIL INSTALLMENT CONTRACT Castm Diego, S. Address CLOVER COMMERCIAL CORP. 2650 MERMICKROAD,BELLMORE,N.Y,11710-5707 1435 Bedford St #11C State tip One wh Ciy , C 7 3/4/2023 7 Stamford, CT, 06Q05 thiscontract,fortheTotillSalePliceshowiLYoungreathatthenumericalamountsshown anbothsidesof chosentomakethispurchasefromusonadefenadpaymentbasis,underthetermscontained shown withthepayment belowinaccordance inthatSection. schedule o fthispurchase to andpromise the pay Seller theTotalofPayments thedetails reflect belowaccurately R NUMBER SERIAL LICENSE PLATE NO· c iltÎERS COLOR YEAR MAKE MODEL :SRi Used WRARF3Gh7GNL1I1333'I HM 4 White 9n1A RIuW THISCONTRACTBEFORE YOUREADIT ORIF NOTICE TO THE BUYER: 1. 00 NOTSIGN CDPY FILLED-IN 0F 2 LESSTRADE ANY S BI.ANK PACES. 2. YOUARE ENTITLEO TOA COMPLETELY IN 0.00 ITCONTAINS YOUSIGNIT.3. UNDER THELAW,YOUHAVE THEFOLLOWING RIGHTS, (Yr..Mas.Mod.n.............................. s THISCONTRACTWHEN APARTIAL THEFULLAMOUNT DUEAND TODBTAIN AMONGOTHERS:(a)TOPAYOFFINADVANCE DUE,AN 22,595.00 REFUND0F THEFINANCECHARGE. IFYOUPAYOFFINADVANCE TN£FULLAMOUNT CASHPRICE (1 LESS2)............ $ FROMTHE FINANCECHARGE BEFOREAPPLYlNg3 TAXABLE OF$15.00 ACOUISITIONFEE WILLBEDEDUCTED BE ACTUARIAL METHOD 70 COMPUTE THE REFUND.NOREFUND UNDER $1.00WILL THE MADE,(b)TOREDEEMTHEPROPERTYlFREPOSSESSEDFORADEFAULT,(c)TOREQUIRE,UNDER 4 SALES TAX - S CERTAINCONDITIONS,ARESALEOFTHEPRDPERTYREPOSSESSED.4.ACCORDINGTOTHELAW YOUHAVETHEPRMLEGEOFPURCHASINGTHEINSURANCEONTHEMOTORVEHICLEPROVIDED DEALERPROCESSINGFEE ...................... $ 175 5a. FDRINTHISCONTRACTFROMANAGENTORBROKEROFYOUROWNSELECTION.IUNDERSTAND ....................... 100.00 5b. REGISTRATION/TITLE FEE s INSURANCE LIABILITY FOR BODILY I NJURYA NDPRDPERTY THATSELLERISNOTPROVIDING COVER ..............................,.... $ 0.00 CAUSEDTO OTHERS AND THATISHOULD OBTAIN P ROPERTY INSURANCETO 5c, INSPECTION DAMAGE DAMAGETOTHEMOTOR PHYSICAL VEHICLE. 5d.OTHER 0.00 ,. . ...... ., . . ,, ,. . .. . ., , ., , ., ,. . (PLEASESPECIFY) $ .................... $ 7.500.00 OFTHISCONSUMER NOTICE: ANYHOLDER CONTRACT CREDIT TOALLCLAIMS6 CASHDOWNPAYMENT ISSUBJECT THEDEBTOR COULO AGAINST ASSERT THESELLER OR 0F GOODS ANDDEFENSES WHICH RECOVERYHERE- 7 AMOUNTFINANCED 16,804.78 ORWITHTHEPROCEEDSHERE0F. SERVICESOBTAINEDPURSUANTHERETO t (THESUMOF3 PLUS4 PLUS5 LESS6) ...... THEDEBTOR UNDERBY SHALL TOAMOUNTS BELIMITED PAIDBYTHEDEBTORHEREUNDER. FINANCE CHARGE Total of Payments Total Sale Price Amount Financed The amountyouwillhave ThetotalCOstOfyour pur- PERCENTAGE RATE TheamountOfCredit The dollaramountthe ChaSoOnCreditIncluding providedto youOrOn Creditwill COstyou: paidafteryou havemade ThecOStOfyourCreditaSa aSScheduled: all paymentS yourdownpaymentOf: yearlyrate: yourbehall: $ LS___14.2.82EfL..__.. S 31.08744 38.587.44 18.R04.79 YOURPAYMENT S WILLBE CHEDULE OFPAYMENTS WHENPAYMENTSAREDUE NO.OF PAYMENTSAMOUNTS MONTHLY, BEGINNING pg 72 W1,77 MONTH ADDRESS ATYOUROFFICE OR PAYABLE ALLPAYMENTS ONTHESAMEDAYOFEACH ADDRESS THEOFFICE OFTHISCONTRACT." OFANY"HOLDER SECURITY:YOUARE GIVINGA SECURITYINTERESTINTHEVEHICLEBElNGPURCHASED. WITHA MINIMUMCHARGEOF$30.00,ON LATECHARGE:YOUWILLBE CHARGEDA LATECHARGEOF 10%OFTHE MONTHLY INSTALLMENT, ANYPAYMENTRECEIVEDMORETHAN10 DAYSAFTERTHEDUEDATE. CHARGE. PREPAYMENT:IF YOUPAYOFFEARLY,YOUMAYBE ENTITLEDTO A REFUNDOF PARTOFTHE FINANCE ABOVEANDONREVERSE S IDEFORADDITIONAL ABOUT INFORMATION NONPAYMENT, REQUIRED DEFAULT, SEECONTRACT TERMS REPAYMENT INFULLBEFORETHESCHEDULEDDATEANDPREPAYMENT REFUNDS. (forDealer Theundersigned Only) seMs, hereby andsetsuntoCLOVER transfers, COM- ASSIGNMENTOF THIS CONTRACT: THISCONTRACT MAYBEASSIGNED TOCLOVER onthereverns asshpenent side OuPROMPTLY N.Y.11710-5707.WEAGREETONOTIFYY MERCIAL CORP. undertheTerms ofthedealer andCondllions MERRICK 2850 COMMERCIALCORP. RD,BELLMORE, OFSUCHASSIONMENT. RECOuRSE (5months. ACCEPTED thiscontract. lun,%recourse) BY SECURITYINTERESTTOPROTECT SELLERuNTIL YOUHAVEPAIDALLYouOWEUNDERTHISwith YOUGIVE CONTRACT, USA SECuRITYINTERESTINTHISVEHICLE, ANDSPECIAL FrSACCESSORIES Glmens Auto Mall. Inc uSED EQUlPMENT AUXILIARY INCONNECTION ANDINALLPREMluM WrrHTHEVEMICL.E REFuNDSANDSeller Seller'sPlace OFINsURANCE CLAIMPROCEEDS ONTHE VEHICLE. Of M . 11 ORAL STATEMENTS:THISCONTRACT CONTAINSALLYOURRIGHTSANDRESPONslBILmES. REPREsENTATIONs. NOWARRANTIES, ORSTATEMENTs,PROMISES ORINDUCEMENTSAREVAUD INTHIsCONTRACT. ARECONTAINED uNLESSTHEY lHAVEREADTHISRETAILINSTALLMENTCONTRACT.IUNDERSTANDTHATITCONTAINSALL OURRI ITSANDRESPONSIBILITIES.ITCANNOTBECHANGED WRITTENPERMISSION. IHAVEREADTHETERMSONTHEREVERSE SIDEANDJNDERSTAND THATTHEYAREPARTOFTHISRETAIL WITHOUT SELLER'S ANDSPANISH. T00.I HAVERECElVED ACOMPLETED COPYOFTHISRETAllINSTALLMENT CONTRACT, BOTHIN ENGLISH INSTALLMENTCONTRACT (BUYER SIGNHERE) (BUYER SIGNHERE) . GUARANTY accompanied WHATI'M by this guaran,ty. WHYI'M GUARANTEEING THIS CONTRACT.So sellerwill extendcreditto the Buyeras providedin the Contract sues collect GUARANTEEING. I guarantee all contractpaymentswill bemadewhendueandall contractpromiseswill bekept.COLLECTIONCOSTS.11Seller Ttoheattor- in doingso I promiseto payanattorney'sfeeand all othercostSof collectingtheamount d ue. anyamountdueunderthis guarantyandhire an attomey AllpersonSsigningthis guarantywill bereSponsible, individu- nay'sIcewmbeup so15%of theamountdue,unlessa courtsetsa smallerfee.RESPONSIBILITY. dueunderthis e venif selferdoesnotsueanyone dueunderthis guaranty. S ellercansuemeto collectamounts guaranty. ally andtogether,tor payIngall amounts notmadeby the dayIt is due.Sellercando any else.NONOTICEORLDSS0F RIGHTS.SellerdoeSnothaveto notifymeif anypaymentundertheContractis for payingany amountdueunderthe Con- of the followingwithoutnotifyingme or losingany right againstme underthis guaranty:(1) Giveanyoneresponsible amountdue underthe Contract.or (3) Giveup tractadditionaltimeto pay it; or (2) Giveup or delayenforcingany a rightagainst nyoneresponsible f or paying any the contractagrees.Atthetime I or delayenforcingany right in anypropertysecuringthe Contract;or (4) Changeanytermof theContractif anyoneelsesigning signed meis printed. signedthis guaranty,I receiveda completedcopyof the trantandbackof theRetailInstallmentContractonwhichthls guaranty by (GUARANTOR) (GUARANTnR) (GUARANTOR) (GUARANTOR) SEE OTHER CONDITIONS OF THIS CONTRACT ON THE REVERSE SIDE. ORIGINAL FILED: QUEENS COUNTY CLERK 09/20/2023 03:01 PM INDEX NO. 719518/2023 NYSCEF DOC. NO. 2 CONDmONS RECEIVED NYSCEF: 09/20/2023 ftpW TFiEFINANCECl1ARGEIS.FIGORÉD.: ..._. TheFinanceCharge,whichconsistsònlyof internet,.has beencomputeduponthebasisthatI will payallinstallmantsontheschedu!et) receivedlaterthanthescheduleddue date,I wiVbeobligatedto duadates.fi anyinhtallmentis paysp haddhlonalamountsas maybecomepayabiaby reasonchhe accrualomarest calculater) daily'up¬ntheunpaidbalance.oftheAmountF(nenced.In theeventthat installmentis madein.advanceof-theschetluledduedate,.theInterestchargeswjll be rpducédacyofdinglw..The any amopotäfil! de?creape orincipaásiMllbe feflectedin th finil payitwilt. WARRANTIESiUnlesssellerand.you6thtitwlsea!ree Jnƒriting,therearano warrantleswhichextend.beyond agreethatthefeis no warrantyof merchantability thedescriptiononthereverseside.Speclilcally,you or warrantyof fitnessf1r a particularpurpose. PAYNiENTS:Paymentsreceivedafter 11:00AMisasterntimeor onweekendsor holidays notbe for paymentsmade.toanyoneotherthanCloverCommercial may credisd uIlil thenes buelnessdayMe willnotlasresponsible Corp. EachpaynientI mäkr, hthisRétailInstallmentContractwilibeuppliedfirstco andfimillyanyprincipalthatIsdue.Nolatechargowillbe assessadon anychames1o•eotherthanths pdncipalandintxect, thentointeret thatis oba. andthopaymentis.otherýe a.iuilpayment. anypayrnantwhentheonlydolinquene;is duetofatechargraasssued ornearlierpaquents A $8.00processingfeewillbetharge for anypaymentthatis processedoverthephons Theactualamountof my finalpaymentwilldependotr oaymeritrecord. by CloverCommercia!Corp. INTERESTAFTERMATURITYAND .1UDGMENT my . . . - Interestat the rateprovidedin·lh!sContmet bninricais paidIn full, evenafter maturityand/orafterwe geta.judgment shallcontmusto eccrueon theunpaid'oatanceuntilthe unpaid againstyoufor thó.amountsdue.Thiswill applyevenit the maturityoccurebecauseàf accelerationdtfeto a defaultby you:·lf81anytimeinterestasprovidedforin thisparagraph is not pe?mittedbólaw;Interestahallaccrueat thehighestratee!lowed by applicablelawbeginningat thattime. OWNERStilPANDUSEOF VEHiCLE:Youownthevehicleandnooneelsehas llenorother anyoneclaimsan-interestin thevehicle,:youwtifdefendselleidsclairñ.Youhave any claimonit.Yoúwillnotse.llit cr do anythingthatwillcrepteone.If in good-repairandwWnotuss Itfor arryillegalpurpose.Youwill not purchasedthevehicleforyqurprivateuseonlyandyoupromiseto keepthevehlete permanently removethe vehiclefrom thestatewhereit is registeredwithoutsailer'svnitta.n permissionandsellarcaninspectthe vehicleat enytime. RISKOFLOSS:Youwillnotifysellerimmediatelyif thevehicleIs stillhaveto payselle allamountsdueunderthis agreement stolen,damagedor abusedInanyway.If·thevehicleis stafartlost,damagedordestroyed,youwill REPOSSESSlÇNr·Seller canrepessessthepurchasedvehicleit tlie entirebalanceofwhatyouowebecomes thevehicletoseller.If youdo not,sellerhastherightto dueatonce.Ifsellardecidesto-dotlils,youwilldelNer anterthe.premises p.eacefully whereit is keptandtakeit. Sallerneednotnotify'youbeforesailerdóëSthisand sellercanuse iny licenseplatesfor transportingthevehicle4eller cansellthevehicleafter10daysnoticaandapplytheproceedsto thebalanceof whityou owe. Beforesenerdoes,senercan daductthe costof repossession Storage,endpreparationforsals.If thesaledoesnotcoverwhatyouowe,youwillstillberesoonsible for thedifference.Butyoucanstill recoverthevehiclebeforethesejlersellsit expenses·due bypayingallpastdue Installments, when.youredeemII. Yourrightto redeemw!Iferidwhenthe repossessed latecharges,repessession còsts,storageaId oMer vehiclehasbeensold, ASSIGNMENTiSaltercanassignany ofyourrightsupderthisagreementwithoutyourconssnt. IRREGULARPAYlaEtiTS:Senerinay acceptlate paymentstr partialpaymentseven . contract. thoughmarkedªpaidin full withoutlosingany of sellets rightsundertl is COLLECTIONCOSTS:Youagreato payany nec ssarycourtcostsif sellertakes ellcmay.Isnolseller'ssalariedsinploysa,tinleséthedourtsetsasmallerfee. collectionactica,plusan 4ttòmers fee of up to 15%of theamountdus if the OTHERSWHOSIGN:Anyone.elsewhosignsthis agreement.tyIll be responsibletMdMduallyand togetherctothesameextentyouare. REQUESTFORFULL PAYMENT: .Saltermayreqtiestfull paymentat onceforall youowsunderthis below,If you:·(a).havemadea farsgormisleadingstatementaboutany Importaritfactin thisContractoContract,.less therefundcredtfor prspaymentexplainedjust rthe applicationýougave·forcra! approvalforthisfinanclog. of (b don'tmakeany'paymentwh'spdue;or·(c).dlei oF(d)becomeinsolvent:or (e)tilefor hankruptcyat similarrelief,.orsomeonsputsu iisaoriths vehicle;or the vehletelessenshi valueor becomesvaluelessor olberthanthroughnormal (f) depreciation;or your tomaketimelypaymentsis cut off; cr (b)if yoir break My promlsoyou madein I.hisContract;or (1)anythingelse happensthatmayendangeryour (g) toability this cr Oncht.!ing,withoutilmildinn, a municipalityor othergovemmentat abillty pay Contract: (!) thewhide is selied by a third party or quasi-governmental en!!iy)becausaof ths vehicle'sallegedccacumihwolv6ment in actu# or allegedcriminalcr unlawhoactivityand/orwhereaforfelluro hnebeen institeledin!boforeanyfederahstateorlocalcoodor sellerdeclaresall ye'uoweunderthis-Contraciirnmerilatelydproceeding ueandRis paidIn fullor w9suefor it any administtallve hody.li FINANG CHARSEliguredby theAdluarlai½thod. Sehr G cybtractS15hpm (boFINAFICE andobtaina ludomentan allovancewUIbegivenfor unoamed made.interest·onthe unpaidportionof thebalancewillbepayablest themaximumrate CHARGEbeforefiguringthùrefund.No mtundunder31.00willbe INVA)..IDPROVISNNS:If sny provisionor thisContractcan'tbe a!Iowabjaby law. enforced, the restoftheCon9actwlil stayin effect WMATLAWGGVERN&Thisis a Ne.vYob.Gr:ntract. AnygoestioneaboutsellarsdghtsendyourrightsunderINGcontractv411ba YorkState. deci d MterdM todie!swof New NÓYlCES:Anynoticesellerh sto giveyouwill ba·reasonablEiif sellersentit toyourcurrentaddressshownirrso!!eraiscarrisby ior noticeof resate)beforeseHer actsonUnenotice.Anynoticeyoûhavetosendto adierwillbe sentto se!iefat seller5addressthownca reg r imil N IMrU dap (Hutey$ kanp' thefrontof theContract. CAREDE VE)CLE: Youwilf the vehiclein goodcorklillonandrepair. SACEOFYEMICW:Yaowarrtse!iorotherwisegiveup thevehiclewithoutsellert writtenaerrain n. BTLLSANDTAXES:Ifsellerpaysany rapairbills,storagabills,ta·