Preview
45D03-2404-CC-003576 Filed: 4/10/2024 2:23 PM
Clerk
Lake Superior Court, Civil Division 3 Lake County, Indiana
STATE OF INDIANA ) LAKE COUNTY CIRCUIT/ SUPERIOR COURT
)SS:
COUNTY OF LAKE ) CASE NO.
First Financial Bank, N.A. )
)
Plaintiff )
)
vs. )
)
Moses Lopez and Hosam Jadrawi )
)
Defendants )
)
COMPLAINT
Comes now the Plaintiff, First Financial Bank, N.A. (hereafter "'Plaintiff'), by counsel,
and for its Complaint states as follows:
l. That on or about May 12, 2020, the Defendants, Moses Lopez and Hosam
Jadrawi, executed a Retail Installment Contract and Security Agreement (hereafter "Contract"), a
copy of which is attached hereto and incorporated herein by reference as Exhibit "A".
Pursuant
to terms set forth in the Contract, Plaintiff is entitled to enforce the Contract.
2. That the Defendants, Moses Lopez and Hosam J adrawi, failed to make the
required payments owed and are in default under the terms of the Contract, thus
Plaintiff has
accelerated all amounts due and owing.
3. That pursuant to the terms of the Contract, the Defendants, Moses Lopez and
Hosam Jadrawi, agreed to pay interest at the rate of 8.2400% per annurn, and costs incurred by
Plaintiff for collection, including, but not limited to, reasonable attorney fees and expenses.
WHEREFORE, the Plaintiff, First Financial Bank, N.A., prays that this Court enter
judgment in its favor and against the Defendants, Moses Lopez and Hosam Jadrawi, plus
additional attorney's fees and expenses, per diem interest to the date of j
udgment, court costs,
post-judgment interest, and for all other just and proper relief in the premises.
Respectfully submitted,
Brynn E. Craven
Attorney for Plaintiff
Attorney No. 38166-30
NELSON & FRANKENBERGER, LLC
550 Congressional Blvd., Suite 210
Carmel, 1N 46032
Telephone No.: (317) 853-3939
Facsimile No.: (317) 846-8 782
This communication is from collector and is an attempt to collect a debt; any
a debt
information obtained will be used for that purpose.
'6EWS wowed HM mum se muswieé Imp magmas a: was rm
paaueuyg muova uouezuuau
pawwm
[a "099W! magma gaping-cm nu [ma 3mm 'qseo (an 'gzemmsmo
We mmuoa muaoswmam mmm m;mve mwma amem
wagemmmuo 'acyd U999 Exam mam Mozamoqefioxzuaalleamoa Win! mammal 'mmssvmmmmmaetmomam 0311
;"sz
mmmauaouedmmzfivm U/N
'
BIN 2mm. )wmmmnos
vmmata;ommm mammwmmaawmmfi'mu'flmmmmmag
mammflmsmfiMWMMmmmmymflmwm
W1 mugumcwmmommemwmaummm Ina/x1160 Jeuoyjypuag
nwmmmaswfiemmmmmdnunmuonsmawmwmm
gmg'fi"pmmnmmmmmmmwwmesw b/N
Wrath 'QIQ -9 tpwnmgdmdaamfiedmamM. MAWEd
zuawaamy sales UI-apDJl ;o uogdposaa
mac; [3
men E1
99mg
'
"N B
fr'flzgfi ,
BU? m flHEBLN EM
new: memo { mmmmw w now am sag
ApadOJd 30 uoydyosaa
9w wwwafiwqaqmmmmmemmmmmpmmwmmmmmox 1mm
mwmmm
Mmm mank vdmm mm M'M W "We: uofiadmfl
;
'59:: n"Flag ; :2 an; gmmqsm Asp 553 gaze-1
NT" in» "'u 15
1":'113 71"":
WwMaulmmmunxnoflwmupWTmwMmslmvnWmMau muons:
5]
WWmqmimamfimfimnumas
S
433/3119 BMW g? X Flam 52 WE? S W"
ammmms Mam M» as
flmmwmm mmtwm
BS 811 -3 PM 33? -5 -8
[I 99'§IE'=§E § §§'EE§'I -3475
21% W31 13
:9me WWW
mawmwwmm neapuwwacfim madmmmk what» 9163
mmfimofipmmm mmmmw'wmau ammuwmnmm wwwmsmw WBRWMpmm
331M M38 N9]. WRML minim ammo mama emu afimuamaa 'enuuv
:~
ainsolasla b'uppue'y-m-mml
WWWnWmfim [3
saw: M was 'WIK
18 am; £832 WK! 51mm! ms
Itemlzatlon ofAmountFlnanced '_
'
Bmmmmsmmmumwmywwm",
momma 'fi Mummmmmmmammmd
sM-ammmmhummmmm
.
Salem: 3
'0' S mhmm
mmmm 959W -5
m
cashmem s 9-351:% Additional Protections -
1mm
'
1.
s 141%
g, www.mwcmaar Imm
MMm wyw
Mnmdmfl
hRM mm mnm
MMM
Ihaymmmulnd
mmaWmm
.. MIR mfitfimflwnfirflw sail uwmmmmmmwx
Numsgirm.msomwm whmuma
mwwaymhmhmmt
MMMWo,) m Msmmmmmmusmmmmdhymmm
"Wamdmwwfl
(Warm
ummpummmfikw mlfimmwmbw
i.
;. mam mmmm
WWW N19 Wm
5.
WWWM} rm mullflmxm
PM 1' 9m 3%
m
5
m. mainymiwée; S REFER "m 32:29th carnage:
UnpaidhalaMdMPfifl§m)
0. mmmtsumb.} Dagmaruaapm
a, mmmm You
m NM
W
__
5
"1'9" N/Q
3...... 5/ Q
Wm mm W9
W"nm" wm}
a.
mm
79; 69. 339}
a. Ta: Riff-1} m Lhmfi'isiffi
I. 1g; N]?! um
To: "in
V. 3'"; FREQQID FINQNCE CH3! 1'3'3. $3
Tm mm
To; 95'1""?
y. Ta: NW3
2. To:. "maflazea
81h
Mo. {4/511 .
Twiomuchsrgedm Patdinawaz fig
ac. Papald Finance Charge 1%- my
".mmifiminm
WurxayMumnpomendawmmwm. Signature Notices
Insurance Disclosures '
-
>
'
WM
us 'fild
1" "a" mm: 'mm {M amnnmm mo; mmmm; ssmu
"0159"" 01" ,
Hum .
é'gfifnm *9 m'""' ""3"" °°°" WWW fiiflmwfifldfi'mmaxoum
"@1001 W3 "Wax wifi'fifi'éflé
._- WIMW'W;W. "Mmmnmnnausa-1nu 1%
. -'
0313:!9 .
1"! m m
3%
"'18 zmemkmmmmmmawmwmummimxse
MmupmumDWSIWV-MM' and «MM -
"Mm... mm "1firawm
mtg ma? IE£WE 'Wfl Wigfmmssmsmmesmmwwmm
WI" um am -5
MafiMmMnmmNwwgs'samWW
mmpmammmmmmwmm
mNmmWWWM'WzfiWMMD
WMfiWWWWWWWHszum
«meow fiWMWMnlmmswmmn '
um '3
m 35%
um "13
'
'
eager/'99.:
/ MQIN"'s mpzuonrpwpommgmw-wg
«Imma'w '
am
-5
em: "m W- M 3m "an £3"
me is WW
:mammmm
WN "t m:
augmmqemuwmmnfimfiu'ws
$0 253
mmmWMWwmnmm
"Wmmmumqgmhmmmww
WWWBWmmMWWMWW
..._.._
3130
weiazzaw
aeratxfifi
'
-'
1'8 mamfimmmumwm'wmm
J' soc fie
twmmtmmmamu momma
"pm-Wmtmwflmwmmwmmia son is
was 5m 59 5m W'Piflfi
figaaagdam at 015mm me we weds 3m flue mm in!
m pm nus means; 80a
Slit: 081: am on
we: 01 83330}! *5
:19
wwmwaammmma.
gmmtsmmmumMmammwmm
um, Wm
WM "1 3m SWW
ma ""9543 Wt? ""38
[1?" WW:
a: 8
Additional. Tetmsnf me, aslnategAgré Yuu or we
emgnt assignee) may elect to rescive any Ciaim
by Mal, binding
arbéiration and nos a noun acfion. 'Claim' means
Deflnfiiam. "Centred tefets Wis Retail insiaflmenl tanked and Secud any daim, diswte orcommversy
_or !our emplayeBS. agents. W.
(mafia)
me pronouns W and 'your'
re!er to each Buyer signing this Contact, and
my
ty Agreement beiwaen you and
RommreIaMio:
assigns Graffitiates axising
92mm, My and MMM'y. Tue pronouns w". 'us'and 'our' leis: to the t, theemdilapmefionzztiwpurflmesfMPmpeng 3.1132
and any enn'ly Io
Sew nonunion oi {he 4. this (2mm 5. any 3mm,
whichfzmy {waster this Contract. W'meam eadz motor vahicfie Progeny: mintenance! serv'we a: other
whammmmRWM's.any mam mm.
desaibedin mam
P709811? WW
moffiepedysecfien.
in me Descn
btion
'WMMW
ofProwny andAddfionaI Pmlections swim.
andaflomer
contractsyou
occurrence or
'
hipjhis includes aay Chaim based on commas; oz consumuonal
law. contract. tort. s tute, regulation or aim ground. To the extezu aimed by aw, the
Purchasa of Prope
rty. You glee to mime the Property from Sefler.
temsandoondifionsofmis
subject to he vafieflly. scope and' Iprekafion ofmisArbfixam 9mm ale to be decided by neutrai.
WMSelmvfllmtmakewmpaizsmmm binding arb'rhation.
Vehicie excepx as mm in {he mttB
Desca'pfion of Ptoparfy section.
lfeifilerparty decks resom a Ciaim lhrwgh arbim'on. you and
You have been weagtee that no {rial
given (he unanimity 1e punmase me Fromm amidesmbed swim byjuqoramer algeawecfingvfltlakeplaoe.insmmem
farthetash Moe or mama! Sale Price. The
s mw§§beatbiM!edm
'Tolel Sade Pube'isihe W price ofthe anindfidualbasisaérdmtonadassofr
Property ilyau buy it ever 25m. " emtafivam.
Geneml Terms. The Toiai Sate Rice shown in
mmama ammydmsaeitherofihefiolmmitralb
wgan'mfions
the Truth-humility Disclosure assmvas andilsapplicatfie .mm'adedilisvfiifiagandabéewmafiew
malaigammvfiflbemzssdwduled.m aduatmm Arbitration Assoda
' mommeécan
s iyouvdiipaymnbemreif (m:.a dt.ozg) oz JAMS (mv.;amad
you pay laie and )essil you pay-em.
' ' r.m}. or may may choose
my ems! (Emma n mafia! ma £15 mix mconduct the
arbitration subject
Weds not mm? in marge or new, and Iomeotherpafly's ovamzepatfimcangetampyoffinmg
yau do Magma kc pay, anyfim or ' am'smlesw
fee matis mote than the maximum am! permitted form sate by stem orme£66233
charge
! law. u
000136599 its): ;' fisweb ssls Hit'aemosenaibmfionorgwiz
afim's mhsmnfiict
youpayafimncedrargeoz feemaiaxceedsmalmaxim
mmtaexvmfixstapprfme
with ihisArbibafion 233m. the terms d his Mikafim Provision mi? govem the Claim.
excess amount t3 reduce the
principal balanca am. Mm the prindpaf has hm paéd in
Hm. is add a mania win ihe sewed 3mm «gamiim's rules, the pafiies
ink, mm any making ml {o you. my agiea in ciiang ms [ems of listsArbiiiaiim Pmiision by wrilien amendment
signed
You undesiandand byihe paiIiES.ifii12 waremiefiieiofindoragieeupouanatbi
trafionugeuizafion
amfixalme pamenswfiémparmasapafiofflis
Contradnraymvoive moneyreiainedby
mam and it) handie ins arbiita'ion. men the ammo! wit be sewed
pursuan!
remmerafion,
usotpaidbad tousaseomnflssiorxsorofixe: 1090.8.Code mama.
You agree mat me Pmpe wilt not be used
The marafian heari will be Wed
iii me 126823 disiric! where you reside unless
tty as a mum. you and we 0mm agreg 0:, if you andve agree. me minim heaf'mg can be
Prepayment You may prepay this Connect in fuli or in by 1512mm or mix eiecircnic communiwéion. Th9 arbitration filing fee. Minister's
pan 312m time. See Mania:
Finance Charge seem
Any padiafi mpaymeni xvii: m2 excuse aw; tale: Wu'ed oompensaiim and u arbitration oasis viii be mid in me amounts aizd
by the
payments. If we gel a retu'nd of any unearned Emma patties amding {o miss oi iiie chosen 36mm organ
prenfiums that was paid, you izafion.'80me amiiiaiaan
agree that we may sumac: {he cefuud from the ameuna was
altarwise mganizaiions' miss quéra us is pay mosi oi ail oi lime artisans. if {he rim oi iiie
gnu owe. i
gmvidaz' by law. arbitration
«gamma dc mi speak; how fees must ha a'iooaied. we weii pay {he hing
Balboa Payment if any schedufied
paymt ts mere than Moe 33 Sarge as me average
fee, arbiizainr's
mmgmisaiim, and owe: mam
tests up 30 55m». uniess me iaw
9f an aim: reguis
fiy scammed payments. you may refinance that payme when We. You
nt
mites as to pay mqra Each pariy is (mink
{or the lees of iés om attorn
eys.
may Ge sa as: {ems as mantis as the {arm's ofigm
'iiimsses, and any réiaied cosis if any. 813mm in pmz and
fiv agreed :0 in {his Coma, This e mazes! iis Ciavr: m
response. in limited "mmsiancea me ami'dawr may have the auihaziiy to awani
right daes not appiy ii your pawn! schedtfia is
adgusied {cram}
o: irregzdar income,
oi twain mimic"
paymeri
is or fees in a eazty mi mi; ii iiie iw 6m} artifir'aiim
Rammed Paymem Charge. mganizaaoa
H 9w make any paymeni (was!) "Ir; this Comm that is mies aiiow ii.
tetumed c: dishonored. I
you agree to pay a fee of $25.03.
An mime: mus: 'oé a tax-«emit: a: ieasi sea
Goveming Law and lmémretzu'on. This Canvas: is
{is} years sf gimme and imi'mih
gamed by the Em cf indiana and mnsumer credii "aw a retired sisie or federal court indge. Rte Wjaibn mii be by a
amficabia (Edam; raw am xegulaiions. 'yr '
singie arbiiraioi. in an 2mm. an arbitrate: shaii ioifm wan
ing substantive law
ii any section a: swimml z'ne om {ems 'm'li mam
provisiesx a: {his Cunhad is not and any appiicabies 11:12 oi iimiiaiions. The arbivaior w'il decide
any dispute regaming
pan oi ibis Contra; You aukbaréze as {o me: aay dermal em o: omrss'ms in this the arbiimiiiéy of a aim. Ari axbiiraiur has tie
Miriam io om: swim perizmiance.
Canvafi a: m any reiated 500mm. compensatory Games. punitive damages, arid any other reiiei'aiiowed by apaic
ave 33w,
An arbitraior's enmity to mite awards is Mad is awards ta
flame and Location. Yea! name and address set forth
in mis Contact aye you or us aim. Claims
yen: exact legs!
name and 3w pfiaép residence. You wéi {mut bmughi by you 39W as. 51 by us agaiisi m may mi be med or amoiiiiaied ia
al e us with ai has: 36 days mime before
you change yes: name or principal residerm.
mama with daim; brought by oi most someone other ihan yen. um agmed to in
wriiiiig by aii parties. arbiitaiioti Maid o; dedsiw véii hale any
praciusive eiieci as i0
'feiephone Moniwring amt Camus. Ya: ages the: we
may m we to time monitor issues ar claims in a '7 dispute mi}: anyone who is not a named pariy :o the arbitration
3:16 rem-d teeepz
me sails made or received us or ourby agenfis regarding yam mm!
is 3555.79 the qualhy of out sewéee. in exterior us Zo samba the Any aibéirabon award shaii be in wrifing. siwéi include a wines reasmed am xiii!
account or to cokiect opinion:
any amaunis you may 05w, and subgecl :2 appzxcable law.
be final and bindin aiibieci eniy tn
g any rigm to appeal aim the Fed-era! Adaiimiion .taci
yes agrae that "ere may 1mm
time to fime made mm an: sens ms t'FAA'), 9 U5. OedejSeciions 'z. a: seq. Any mun hwng gunsdiciian can same a fine:
messages to you usira pmmMamfsfial votes
erbium: swam. Yo and we agree are! ibis Wiiafioii Provisbn is the FM
messages or mroo'gh the use of an automatic (Ming device at govemed ir/
any Hephone number you
io the exciasion of diiieterii or monsisieni state or local law.
pawiée {o us €21 comedian wim you: amount, indMk a mobae
-g Magma. number that.
mid resultin shag-93 in you. You or we can m iitéioiiooiiig Mimi giving
up the right to who
arbikaiiara: seek
Default. Yawn! be in damn m Omuaci if any one of me tamin comm
media in smaii dainis oouri fol Ciaims min iho smaii ciaims ooufi's inr'sdicoon' o:
3315s
g (amp: as seek iodin'ai mow remain: iia Mm m
mi mm in» onto in aim amnion
Bofautt. You wilt be in default on this Contract ii revocation ur own» u no wart rut Dram: um: basalt menus
any we oi the tattooing booms texwpt as Lvurrsyurwusstnrr, or
seek iodtciat provist gal rornediss. if a party does not exerciss the
prohibited by tow): ' right to eieci arbitration
in connection with
o Mentor Claim. that party suit can require arbitration in connection
Ywtaitooerimmanyobtigahonttratywbavoundertakenirrtiriscommct. with any outer Giant
O '
We.ingoodtaittr.beiiewmatywmnnmawitimtpayorne'rtonnmeobtigations This Arbitration 9 'un survives any ti) termination, payott,
assignrnmt or transfer of this
you have agrssd to in thisflonhact.
Contract. (many!
prmodingbyyouorustooottootadebtmvodbythsother. and
it you oeiaott you (ii) any bankruptcy procaedirtg in which you or we are'ttio debtor. Writ but one exception.
agree to pay our reasonshh attorneys' fees, on referral oi this Contract
'
toanottorneynotasatanedeniptoyseoiornsoranossignoeotflisContram'oualso itanypanotthishrbr Provisionisdeerrsdorioondtobeurmmabistorwy
agree to pay the roosooabb expensos we incur resizing on any reason, the rsma' of this Arbitration Provision writ remain in tuft force and sheet.
Property.
The one exception is it a hiding oi partiat
t
unenforceab'fity woutd aiorr arbitration to
itanooorrroideisottoocursastoarryatyomremayoxoroiseourrsrneoieoaganstoriy
oratiniyou. proceedooaotass basisxhenthishrbitration Provisionvnii bemshtoroeobiainits
entirety. .
Reminders. it you are in default on this Contact. us have at oi the room provided by
raw and his Contract ihoso remedies indude: PROCESS TO nus ARBITRAitOtt t'ROViSiUit. Yeti may reconsider arid
I We may more you to ironsdiateiy pay us. without notice. the reisctyoorapomvotREJ%T
'
thisArbitration
Provisionhysendmgavnittonnoticotothohssignee
reunion-.9 mpar'd (idsntifisdirrtrre smiorittneretsrrohssigwe.ttrento.$ottsr.ihenotioe
batanoe ofthe amount Manned, tinnitus
charges and at other agreed charges.
sobieotioanyretundrequirodbylarrvr
rmrstbsposunsrked " 'thinattdays oithodatsyoostgnodthis Contract itsirnpty needs
tbstateyour torejeotflrehbioafimi'rovbioninitisCmtractandimiudoymrr
¢Wemaypayturos.assessmsrrb.oroherhemormkoreoatsmmerpenyit signature. ttrnust provirisyournam. Settefsnamo andthadatooithisContract
youharemtdorioso.Wearemtmqoirodtodoso.Youwimosyusdratamnn Rsficttng thisArbi firm Provision wit} NOTaffocttttb terms underwhich we will
finance andsett psrtytomoranyothermoithis Contrast. exceptttist
nomediatsiyfiararnoontwitasminaneedrargsshomthodatewepayiatms
ratedescmsdinihei'aymentsectionontfiooidinm the Arbitration P ion wilt notappty.
Inhervrsgiveyouanynodca anoopoortunitytooureyorrrdenoittiiatthetaw CAUTION: is iinoortant that you read this. Arbitration Provision
Preview
45D03-2404-CC-003576 Filed: 4/10/2024 2:23 PM Clerk Lake Superior Court, Civil Division 3 Lake County, Indiana STATE OF INDIANA ) LAKE COUNTY CIRCUIT/ SUPERIOR COURT )SS: COUNTY OF LAKE ) CASE NO. First Financial Bank, N.A. ) ) Plaintiff ) ) vs. ) ) Moses Lopez and Hosam Jadrawi ) ) Defendants ) ) COMPLAINT Comes now the Plaintiff, First Financial Bank, N.A. (hereafter "'Plaintiff'), by counsel, and for its Complaint states as follows: l. That on or about May 12, 2020, the Defendants, Moses Lopez and Hosam Jadrawi, executed a Retail Installment Contract and Security Agreement (hereafter "Contract"), a copy of which is attached hereto and incorporated herein by reference as Exhibit "A". Pursuant to terms set forth in the Contract, Plaintiff is entitled to enforce the Contract. 2. That the Defendants, Moses Lopez and Hosam J adrawi, failed to make the required payments owed and are in default under the terms of the Contract, thus Plaintiff has accelerated all amounts due and owing. 3. That pursuant to the terms of the Contract, the Defendants, Moses Lopez and Hosam Jadrawi, agreed to pay interest at the rate of 8.2400% per annurn, and costs incurred by Plaintiff for collection, including, but not limited to, reasonable attorney fees and expenses. WHEREFORE, the Plaintiff, First Financial Bank, N.A., prays that this Court enter judgment in its favor and against the Defendants, Moses Lopez and Hosam Jadrawi, plus additional attorney's fees and expenses, per diem interest to the date of j udgment, court costs, post-judgment interest, and for all other just and proper relief in the premises. Respectfully submitted, Brynn E. Craven Attorney for Plaintiff Attorney No. 38166-30 NELSON & FRANKENBERGER, LLC 550 Congressional Blvd., Suite 210 Carmel, 1N 46032 Telephone No.: (317) 853-3939 Facsimile No.: (317) 846-8 782 This communication is from collector and is an attempt to collect a debt; any a debt information obtained will be used for that purpose. '6EWS wowed HM mum se muswieé Imp magmas a: was rm paaueuyg muova uouezuuau pawwm [a "099W! magma gaping-cm nu [ma 3mm 'qseo (an 'gzemmsmo We mmuoa muaoswmam mmm m;mve mwma amem wagemmmuo 'acyd U999 Exam mam Mozamoqefioxzuaalleamoa Win! mammal 'mmssvmmmmmaetmomam 0311 ;"sz mmmauaouedmmzfivm U/N ' BIN 2mm. )wmmmnos vmmata;ommm mammwmmaawmmfi'mu'flmmmmmag mammflmsmfiMWMMmmmmymflmwm W1 mugumcwmmommemwmaummm Ina/x1160 Jeuoyjypuag nwmmmaswfiemmmmmdnunmuonsmawmwmm gmg'fi"pmmnmmmmmmmwwmesw b/N Wrath 'QIQ -9 tpwnmgdmdaamfiedmamM. MAWEd zuawaamy sales UI-apDJl ;o uogdposaa mac; [3 men E1 99mg ' "N B fr'flzgfi , BU? m flHEBLN EM new: memo { mmmmw w now am sag ApadOJd 30 uoydyosaa 9w wwwafiwqaqmmmmmemmmmmpmmwmmmmmox 1mm mwmmm Mmm mank vdmm mm M'M W "We: uofiadmfl ; '59:: n"Flag ; :2 an; gmmqsm Asp 553 gaze-1 NT" in» "'u 15 1":'113 71"": WwMaulmmmunxnoflwmupWTmwMmslmvnWmMau muons: 5] WWmqmimamfimfimnumas S 433/3119 BMW g? X Flam 52 WE? S W" ammmms Mam M» as flmmwmm mmtwm BS 811 -3 PM 33? -5 -8 [I 99'§IE'=§E § §§'EE§'I -3475 21% W31 13 :9me WWW mawmwwmm neapuwwacfim madmmmk what» 9163 mmfimofipmmm mmmmw'wmau ammuwmnmm wwwmsmw WBRWMpmm 331M M38 N9]. WRML minim ammo mama emu afimuamaa 'enuuv :~ ainsolasla b'uppue'y-m-mml WWWnWmfim [3 saw: M was 'WIK 18 am; £832 WK! 51mm! ms Itemlzatlon ofAmountFlnanced '_ ' Bmmmmsmmmumwmywwm", momma 'fi Mummmmmmmammmd sM-ammmmhummmmm . Salem: 3 '0' S mhmm mmmm 959W -5 m cashmem s 9-351:% Additional Protections - 1mm ' 1. s 141% g, www.mwcmaar Imm MMm wyw Mnmdmfl hRM mm mnm MMM Ihaymmmulnd mmaWmm .. MIR mfitfimflwnfirflw sail uwmmmmmmwx Numsgirm.msomwm whmuma mwwaymhmhmmt MMMWo,) m Msmmmmmmusmmmmdhymmm "Wamdmwwfl (Warm ummpummmfikw mlfimmwmbw i. ;. mam mmmm WWW N19 Wm 5. WWWM} rm mullflmxm PM 1' 9m 3% m 5 m. mainymiwée; S REFER "m 32:29th carnage: UnpaidhalaMdMPfifl§m) 0. mmmtsumb.} Dagmaruaapm a, mmmm You m NM W __ 5 "1'9" N/Q 3...... 5/ Q Wm mm W9 W"nm" wm} a. mm 79; 69. 339} a. Ta: Riff-1} m Lhmfi'isiffi I. 1g; N]?! um To: "in V. 3'"; FREQQID FINQNCE CH3! 1'3'3. $3 Tm mm To; 95'1""? y. Ta: NW3 2. To:. "maflazea 81h Mo. {4/511 . Twiomuchsrgedm Patdinawaz fig ac. Papald Finance Charge 1%- my ".mmifiminm WurxayMumnpomendawmmwm. Signature Notices Insurance Disclosures ' - > ' WM us 'fild 1" "a" mm: 'mm {M amnnmm mo; mmmm; ssmu "0159"" 01" , Hum . é'gfifnm *9 m'""' ""3"" °°°" WWW fiiflmwfifldfi'mmaxoum "@1001 W3 "Wax wifi'fifi'éflé ._- WIMW'W;W. "Mmmnmnnausa-1nu 1% . -' 0313:!9 . 1"! m m 3% "'18 zmemkmmmmmmawmwmummimxse MmupmumDWSIWV-MM' and «MM - "Mm... mm "1firawm mtg ma? IE£WE 'Wfl Wigfmmssmsmmesmmwwmm WI" um am -5 MafiMmMnmmNwwgs'samWW mmpmammmmmmwmm mNmmWWWM'WzfiWMMD WMfiWWWWWWWHszum «meow fiWMWMnlmmswmmn ' um '3 m 35% um "13 ' ' eager/'99.: / MQIN"'s mpzuonrpwpommgmw-wg «Imma'w ' am -5 em: "m W- M 3m "an £3" me is WW :mammmm WN "t m: augmmqemuwmmnfimfiu'ws $0 253 mmmWMWwmnmm "Wmmmumqgmhmmmww WWWBWmmMWWMWW ..._.._ 3130 weiazzaw aeratxfifi ' -' 1'8 mamfimmmumwm'wmm J' soc fie twmmtmmmamu momma "pm-Wmtmwflmwmmwmmia son is was 5m 59 5m W'Piflfi figaaagdam at 015mm me we weds 3m flue mm in! m pm nus means; 80a Slit: 081: am on we: 01 83330}! *5 :19 wwmwaammmma. gmmtsmmmumMmammwmm um, Wm WM "1 3m SWW ma ""9543 Wt? ""38 [1?" WW: a: 8 Additional. Tetmsnf me, aslnategAgré Yuu or we emgnt assignee) may elect to rescive any Ciaim by Mal, binding arbéiration and nos a noun acfion. 'Claim' means Deflnfiiam. "Centred tefets Wis Retail insiaflmenl tanked and Secud any daim, diswte orcommversy _or !our emplayeBS. agents. W. (mafia) me pronouns W and 'your' re!er to each Buyer signing this Contact, and my ty Agreement beiwaen you and RommreIaMio: assigns Graffitiates axising 92mm, My and MMM'y. Tue pronouns w". 'us'and 'our' leis: to the t, theemdilapmefionzztiwpurflmesfMPmpeng 3.1132 and any enn'ly Io Sew nonunion oi {he 4. this (2mm 5. any 3mm, whichfzmy {waster this Contract. W'meam eadz motor vahicfie Progeny: mintenance! serv'we a: other whammmmRWM's.any mam mm. desaibedin mam P709811? WW moffiepedysecfien. in me Descn btion 'WMMW ofProwny andAddfionaI Pmlections swim. andaflomer contractsyou occurrence or ' hipjhis includes aay Chaim based on commas; oz consumuonal law. contract. tort. s tute, regulation or aim ground. To the extezu aimed by aw, the Purchasa of Prope rty. You glee to mime the Property from Sefler. temsandoondifionsofmis subject to he vafieflly. scope and' Iprekafion ofmisArbfixam 9mm ale to be decided by neutrai. WMSelmvfllmtmakewmpaizsmmm binding arb'rhation. Vehicie excepx as mm in {he mttB Desca'pfion of Ptoparfy section. lfeifilerparty decks resom a Ciaim lhrwgh arbim'on. you and You have been weagtee that no {rial given (he unanimity 1e punmase me Fromm amidesmbed swim byjuqoramer algeawecfingvfltlakeplaoe.insmmem farthetash Moe or mama! Sale Price. The s mw§§beatbiM!edm 'Tolel Sade Pube'isihe W price ofthe anindfidualbasisaérdmtonadassofr Property ilyau buy it ever 25m. " emtafivam. Geneml Terms. The Toiai Sate Rice shown in mmama ammydmsaeitherofihefiolmmitralb wgan'mfions the Truth-humility Disclosure assmvas andilsapplicatfie .mm'adedilisvfiifiagandabéewmafiew malaigammvfiflbemzssdwduled.m aduatmm Arbitration Assoda ' mommeécan s iyouvdiipaymnbemreif (m:.a dt.ozg) oz JAMS (mv.;amad you pay laie and )essil you pay-em. ' ' r.m}. or may may choose my ems! (Emma n mafia! ma £15 mix mconduct the arbitration subject Weds not mm? in marge or new, and Iomeotherpafly's ovamzepatfimcangetampyoffinmg yau do Magma kc pay, anyfim or ' am'smlesw fee matis mote than the maximum am! permitted form sate by stem orme£66233 charge ! law. u 000136599 its): ;' fisweb ssls Hit'aemosenaibmfionorgwiz afim's mhsmnfiict youpayafimncedrargeoz feemaiaxceedsmalmaxim mmtaexvmfixstapprfme with ihisArbibafion 233m. the terms d his Mikafim Provision mi? govem the Claim. excess amount t3 reduce the principal balanca am. Mm the prindpaf has hm paéd in Hm. is add a mania win ihe sewed 3mm «gamiim's rules, the pafiies ink, mm any making ml {o you. my agiea in ciiang ms [ems of listsArbiiiaiim Pmiision by wrilien amendment signed You undesiandand byihe paiIiES.ifii12 waremiefiieiofindoragieeupouanatbi trafionugeuizafion amfixalme pamenswfiémparmasapafiofflis Contradnraymvoive moneyreiainedby mam and it) handie ins arbiita'ion. men the ammo! wit be sewed pursuan! remmerafion, usotpaidbad tousaseomnflssiorxsorofixe: 1090.8.Code mama. You agree mat me Pmpe wilt not be used The marafian heari will be Wed iii me 126823 disiric! where you reside unless tty as a mum. you and we 0mm agreg 0:, if you andve agree. me minim heaf'mg can be Prepayment You may prepay this Connect in fuli or in by 1512mm or mix eiecircnic communiwéion. Th9 arbitration filing fee. Minister's pan 312m time. See Mania: Finance Charge seem Any padiafi mpaymeni xvii: m2 excuse aw; tale: Wu'ed oompensaiim and u arbitration oasis viii be mid in me amounts aizd by the payments. If we gel a retu'nd of any unearned Emma patties amding {o miss oi iiie chosen 36mm organ prenfiums that was paid, you izafion.'80me amiiiaiaan agree that we may sumac: {he cefuud from the ameuna was altarwise mganizaiions' miss quéra us is pay mosi oi ail oi lime artisans. if {he rim oi iiie gnu owe. i gmvidaz' by law. arbitration «gamma dc mi speak; how fees must ha a'iooaied. we weii pay {he hing Balboa Payment if any schedufied paymt ts mere than Moe 33 Sarge as me average fee, arbiizainr's mmgmisaiim, and owe: mam tests up 30 55m». uniess me iaw 9f an aim: reguis fiy scammed payments. you may refinance that payme when We. You nt mites as to pay mqra Each pariy is (mink {or the lees of iés om attorn eys. may Ge sa as: {ems as mantis as the {arm's ofigm 'iiimsses, and any réiaied cosis if any. 813mm in pmz and fiv agreed :0 in {his Coma, This e mazes! iis Ciavr: m response. in limited "mmsiancea me ami'dawr may have the auihaziiy to awani right daes not appiy ii your pawn! schedtfia is adgusied {cram} o: irregzdar income, oi twain mimic" paymeri is or fees in a eazty mi mi; ii iiie iw 6m} artifir'aiim Rammed Paymem Charge. mganizaaoa H 9w make any paymeni (was!) "Ir; this Comm that is mies aiiow ii. tetumed c: dishonored. I you agree to pay a fee of $25.03. An mime: mus: 'oé a tax-«emit: a: ieasi sea Goveming Law and lmémretzu'on. This Canvas: is {is} years sf gimme and imi'mih gamed by the Em cf indiana and mnsumer credii "aw a retired sisie or federal court indge. Rte Wjaibn mii be by a amficabia (Edam; raw am xegulaiions. 'yr ' singie arbiiraioi. in an 2mm. an arbitrate: shaii ioifm wan ing substantive law ii any section a: swimml z'ne om {ems 'm'li mam provisiesx a: {his Cunhad is not and any appiicabies 11:12 oi iimiiaiions. The arbivaior w'il decide any dispute regaming pan oi ibis Contra; You aukbaréze as {o me: aay dermal em o: omrss'ms in this the arbiimiiiéy of a aim. Ari axbiiraiur has tie Miriam io om: swim perizmiance. Canvafi a: m any reiated 500mm. compensatory Games. punitive damages, arid any other reiiei'aiiowed by apaic ave 33w, An arbitraior's enmity to mite awards is Mad is awards ta flame and Location. Yea! name and address set forth in mis Contact aye you or us aim. Claims yen: exact legs! name and 3w pfiaép residence. You wéi {mut bmughi by you 39W as. 51 by us agaiisi m may mi be med or amoiiiiaied ia al e us with ai has: 36 days mime before you change yes: name or principal residerm. mama with daim; brought by oi most someone other ihan yen. um agmed to in wriiiiig by aii parties. arbiitaiioti Maid o; dedsiw véii hale any praciusive eiieci as i0 'feiephone Moniwring amt Camus. Ya: ages the: we may m we to time monitor issues ar claims in a '7 dispute mi}: anyone who is not a named pariy :o the arbitration 3:16 rem-d teeepz me sails made or received us or ourby agenfis regarding yam mm! is 3555.79 the qualhy of out sewéee. in exterior us Zo samba the Any aibéirabon award shaii be in wrifing. siwéi include a wines reasmed am xiii! account or to cokiect opinion: any amaunis you may 05w, and subgecl :2 appzxcable law. be final and bindin aiibieci eniy tn g any rigm to appeal aim the Fed-era! Adaiimiion .taci yes agrae that "ere may 1mm time to fime made mm an: sens ms t'FAA'), 9 U5. OedejSeciions 'z. a: seq. Any mun hwng gunsdiciian can same a fine: messages to you usira pmmMamfsfial votes erbium: swam. Yo and we agree are! ibis Wiiafioii Provisbn is the FM messages or mroo'gh the use of an automatic (Ming device at govemed ir/ any Hephone number you io the exciasion of diiieterii or monsisieni state or local law. pawiée {o us €21 comedian wim you: amount, indMk a mobae -g Magma. number that. mid resultin shag-93 in you. You or we can m iitéioiiooiiig Mimi giving up the right to who arbikaiiara: seek Default. Yawn! be in damn m Omuaci if any one of me tamin comm media in smaii dainis oouri fol Ciaims min iho smaii ciaims ooufi's inr'sdicoon' o: 3315s g (amp: as seek iodin'ai mow remain: iia Mm m mi mm in» onto in aim amnion Bofautt. You wilt be in default on this Contract ii revocation ur own» u no wart rut Dram: um: basalt menus any we oi the tattooing booms texwpt as Lvurrsyurwusstnrr, or seek iodtciat provist gal rornediss. if a party does not exerciss the prohibited by tow): ' right to eieci arbitration in connection with o Mentor Claim. that party suit can require arbitration in connection Ywtaitooerimmanyobtigahonttratywbavoundertakenirrtiriscommct. with any outer Giant O ' We.ingoodtaittr.beiiewmatywmnnmawitimtpayorne'rtonnmeobtigations This Arbitration 9 'un survives any ti) termination, payott, assignrnmt or transfer of this you have agrssd to in thisflonhact. Contract. (many! prmodingbyyouorustooottootadebtmvodbythsother. and it you oeiaott you (ii) any bankruptcy procaedirtg in which you or we are'ttio debtor. Writ but one exception. agree to pay our reasonshh attorneys' fees, on referral oi this Contract ' toanottorneynotasatanedeniptoyseoiornsoranossignoeotflisContram'oualso itanypanotthishrbr Provisionisdeerrsdorioondtobeurmmabistorwy agree to pay the roosooabb expensos we incur resizing on any reason, the rsma' of this Arbitration Provision writ remain in tuft force and sheet. Property. The one exception is it a hiding oi partiat t unenforceab'fity woutd aiorr arbitration to itanooorrroideisottoocursastoarryatyomremayoxoroiseourrsrneoieoaganstoriy oratiniyou. proceedooaotass basisxhenthishrbitration Provisionvnii bemshtoroeobiainits entirety. . Reminders. it you are in default on this Contact. us have at oi the room provided by raw and his Contract ihoso remedies indude: PROCESS TO nus ARBITRAitOtt t'ROViSiUit. Yeti may reconsider arid I We may more you to ironsdiateiy pay us. without notice. the reisctyoorapomvotREJ%T ' thisArbitration Provisionhysendmgavnittonnoticotothohssignee reunion-.9 mpar'd (idsntifisdirrtrre smiorittneretsrrohssigwe.ttrento.$ottsr.ihenotioe batanoe ofthe amount Manned, tinnitus charges and at other agreed charges. sobieotioanyretundrequirodbylarrvr rmrstbsposunsrked " 'thinattdays oithodatsyoostgnodthis Contract itsirnpty needs tbstateyour torejeotflrehbioafimi'rovbioninitisCmtractandimiudoymrr ¢Wemaypayturos.assessmsrrb.oroherhemormkoreoatsmmerpenyit signature. ttrnust provirisyournam. Settefsnamo andthadatooithisContract youharemtdorioso.Wearemtmqoirodtodoso.Youwimosyusdratamnn Rsficttng thisArbi firm Provision wit} NOTaffocttttb terms underwhich we will finance andsett psrtytomoranyothermoithis Contrast. exceptttist nomediatsiyfiararnoontwitasminaneedrargsshomthodatewepayiatms ratedescmsdinihei'aymentsectionontfiooidinm the Arbitration P ion wilt notappty. Inhervrsgiveyouanynodca anoopoortunitytooureyorrrdenoittiiatthetaw CAUTION: is iinoortant that you read this. Arbitration Provision