Declaration

Cal. Super. - 3rd Dist.May 3, 2016

10 11 2 13 14 15 16 17 18 19 20 21 22 23 24 29 26 21 28 Lobel Financial Corporation Gary Dean Lobel CBN 105983 Ronald J. Green Jr. CBN 177043 FILED Shiao-Wen Huang CBN 211357 Superior Court of Calif 1150 N. Magnolia Avenue County of Placer ornla Anaheim, CA 92801-2605 (714) 995-3333 MAY 20 2019 eld dake Chatters Attorneys for Plaintiff, utive Officer & Clerk By: O. Lucatuort LOBEL FINANCIAL CORPORATION a: Sepury SUPERIOR COURT, COUNTY OF PLACER PLACER JUDICIAL DISTRICT LOBEL FINANCIAL CORP., a California Corporation, Case No. MCV0065337 Plaintiff, vs. Declaration Of Shiloy Krause Pursuant To C.C.P. 585 JAMI I. SANDERFORD Does 1 to 10 e e w w w s ws w s Ss Ss Ss Ss ws ws Ss OS C S O Defendant (s) I, Shiloy Krause, declare; I am over the age of 18 years old and a resident of the State of CA. If called upon to do so, I can and shall competently testify to the matters set forth herein as the same are of my own personal knowledge. I am employed by LOBEL FINANCIAL CORPORATION (“LOBEL”) as the Assistant Legal Department Manager and I have been so employed in the Legal Department since July 18, 2003. I am required to know and, in fact, am familiar with the jobs of LOBEL’ S employees and the methods which they use in making bookkeeping entries and maintaining other records. The records are made in the normal course of business, at or near the time of the act, condition, or event, by a person with a business Declaration of Shiloy Krause Pursuant to CCP 585 -1- 10 11 12 13 14 15 16 17 18 19 20 21. 22 23 24 25 26 27 28 Lobel Financial Corporation duty to do so. I am one of the custodians of LOBEL’S records herein; and, in making this Declaration, I have reviewed those records and declare that those records reflect the facts as set forth herein. I have personal knowledge of the contract entered into by the defendant(s) referenced above, on or about May 26, 2014 for the purchase of the vehicle described in the original contract attached hereto as Exhibit "1" which was assigned to Lobel Financial Corp. The underlying contract was assigned directly from the Assignor dealership to Lobel Financial Corporation. Lobel Financial is a finance company and is not a third party collection agency. Lobel Financial Corporation is now the sole holder and owner of the contract and holds a security interest in the underlying vehicle. Additionally, attached as Exhibit “1A” is a true and correct copy of the Loss Damage Waiver showing that at the time the contract was entered, the defendant requested the Loss Damage Waiver coverage (“LDW”). The LDW is added only if the customer fails to provide adequate proof of comprehensive and collision insurance. Therefore, the policy can be added and cancelled more than once on the account. Attached as Exhibit “7” is the account payment history which shows when the LDW policy is added (“WA”), when the LDW policy is cancelled (“WC”) and, once the account is charged off, any unearned LDW rebate (“WR”). On or about October 25, 2015 defendant(s) defaulted on said contract by failing to make any further payments. This vehicle was repossessed on November 22, 2015 and on November 25, 2015 the Notice of Our Plan to Sell Property was mailed via First Class U.S. Mail, postage pre-paid, to the address shown on the notice, which was the last known address of the defendant(s), pursuant to Civil Code Section 2983.2. Attached hereto as Exhibit "2" is a true and correct copy of said notice. A true and correct copy of the repossession invoice is attached as Exhibit "3". Declaration of Shiloy Krause Pursuant to CCP 585 -2- 10 11 12 is 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Lobel Financial Corporation Attached hereto as Exhibit "4" is a true and correct copy of the Kelley Blue book for showing the current Auction value of the vehicle, prior to being sold, was $1,597.00. Attached as Exhibit "5" is a true and correct copy of the condition report from the automobile auction showing damage to the vehicle in the amount of $5700.00. If this sum is deducted from the blue book value the net value would be $-4103.00. The vehicle involved was sold on 12/22/15 at a private dealers automobile auction. The bids are taken orally and only the highest bid is documented in written form. Attached hereto as Exhibit "6", is a true and correct copy of the documentation on the vehicle showing the high bidder and sales price on the vehicle. The vehicle sold for $1,000.00 but after deducting the fees the net amount received by Lobel Financial was $590.00. Therefore the vehicle sold in a commercially reasonable manner. A breakdown of all payments and charges and how plaintiff has determined the deficiency balance on this vehicle is indicated on the payment history of the defendant's account. Attached hereto as Exhibit “7”, is a true and correct copy of the payment history. Pursuant civil code section 2983.2, Lobel Financial is permitted to calculate interest at the contract rate from the date of disposition of the vehicle through the date of any judgment entered in this matter. The calculation of interest pursuant to the complaint was prayed for at the contract rate of 22.95% from 12/30/15, at which time the sold auto proceeds were applied and the pre-computed interest was rebated on the contract leaving a deficiency balance of $3,215.55. A credit of $146.00 was received after suit. Therefore, the balance at suit was reduced by the credit of $146.00, leaving a deficiency balance of $3,069.55. The interest was calculated at the lower amount. Interest would accrue at $1.93 per day. A total of 925 days have passed since the charge off. The daily interest of $1.93 was multiplied by 925 days. Based on the calculation of interest, the amount of interest that has accrued since 12/30/15 through 07-12-18 is $1,785.25. Declaration of Shiloy Krause Pursuant to CCP 585 -3- 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Lobel Financial Corporation The contract attached as Exhibit "1" provides for reasonable attorney's fees and court costs, in the event legal action is necessary to enforce its terms. I declare under the penalty of perjury under the laws of the State of California that the foregoing is true and correct and if called to testify thereto, I could and would do so competently. Executed July 12, 2018 at Anahein, California. Shiloy K se Declaration of Shiloy Krause Pursuant to CCP 585 -4- LOBEL FINANCIAL Loss Damage Waiver o Renuncia de los Dafios Pérdidos we. Damage Repair Program Programa de Reparacién de Dafios THIS IS NOT AN INSURANCE POLICY ESTO NO ES UNA POLIZA DE SEGUROS THIS IS A LOSS DAMAGE WAIVER AGREEMENT NOT AN INSURANCE POLICY. THIS AGREEMENT PROTECTS THE LIENHOLDER INTEREST OF LOBEL FINANCIAL IN THE MOTOR VEHICLE AND WAIVES THE BUYER’S CONTRACTUAL REQUIREMENT TO PROVIDE COMPREHENSIVE AND COLLISION COVERAGE TO LOBEL FINANCIAL. THIS AGREEMENT DOES NOT PROVIDE BODILY INJURY OR PROPERTY DAMAGE LIABILITY. THIS AGREEMENT [DOES NOT COMPLY WITH ANY CALIFORNIA COMPULSORY FINANCIAL RESPONSIBILITY LAW. IF YOU HAVE ANY QUESTIONS ABOUT THIS AGREEMENT CONSULT WITH AN ATTORNEY. STO ES UN ACUERDO DE LA RENUNCIA DE LOS DANOS PERDIDOS NO UNA POLIZA DE SEGURO. ESTE CUERDO PROTEGE EL INTERES DE LOBEL FINANCIAL COMO SOSTENEDOR DEL EMBARGO PREVENTIVO DE SU \VENICULO Y RENUNCIA EL REQUISITO DE PROPORCIONAR COBERTURA COMPRENSIVA Y DE COLISION. BESTE |ACUERDO NO PROPORCIONA RESPONSABILIDAD CORPORAL DE LESION O DE LOS DANOS MATBRIALES. ESTE JACUBRDO NO SE CONFORMA CON NINGUNA RESPONSABILIDAD FINANCIERA DE LA LEY, NINGUNA LEY DE SEGURO DE LA AVERTA O NINGUNA LEY DE SEGURO OBLIGATORIO DE CALIFORNIA. SI USTED TIENE IPREGUNTAS SOBRE ESTE ACUERDO CONSULTE CON UN ABOGADO. The parties to this agreement are Lobel Financial: PO Box 3000, Anaheim, CA 92803-3000 Los _ partidos de este acuerdo es Lobel Financial : TEL:(714)995-3333 FAX: (714)995-7012 Sem SavdezhraLs and (Buyer #1) Print Name and (Buyer #2) Print Name ¥ (Comprador #1)Imprima Nombre Y (Comprador #2)Imprima Name Motor Vehicle Description: Descripcién Del Vehiculo : 2004 | A244 G BYVEPBODL YEN 9 5008 ~ Year Make Model VIN # Afio Marca Modelo Loss Damage Waiver (LDW) Monthly Payment Amount: $ oo Cuota de la renuncia de los Dafios Pérdidos 3 5 q. . NOTICE OF ACKNOWLEDGEMENT If Buyer(s) has not provided proof of insurance, Buyer(s) must pay the Loss Damage Waiver Fee listed above. If Buyer(s) has provided acceptable proof of insurance, Buyer(s) is not required to pay the Loss Damage Waiver Fee listed above. By signing below, Buyer(s) acknowledges having read both sides of this document, understands and agrees to be bound by each of the terms and conditions contained in this Loss Damage Waiver Agreement and with this in mind elects to purchase a Loss Damage Waiver from Lobel Financial. If at any time during the term of the retail installment sale contract, Buyer(s) fails to maintain acceptable insurance coverage or fails to provide acceptable proof of such insurance to Lobel Financial, Buyer(s) agrees that this Loss Damage Waiver shall take effect and it allows Lobel Financial to add the cost of the Loss Damage Waiver to Buyer(s) retail installment sale contract payment. AVISO DE RECONOCIMIENTO Si el Comprador no a proporcionado una prueba de seguro, el Comprador debera pagar la tarifa de la Renuncia de Dafios Pérdidos indicada arriba. Si el Comprador a proporcianado una prueba de seguro aceptable, no sera abligado a pagar la cuota mensual indicada arriba. Al firmar abajo, el Comprador recanoce haber leido los dos lados de este documento, comprende y canviene en abligarse a todos los terminos y condicianes contenidas en este acuerdo de Renuncia de los dafios pérdidos y can esto en mente elige comprar la Renuncia de los Dafios Pérdidos de Label Financial. Si en cualquier momento durante el curso de este contrato de venta, el Comprador no mantiene una cobertura de seguro aceptable, © no proporciona una prueba aceptable de seguro a Lobel Financial, el Comprador caonviene en que este programa tomard efecto y permite agregar el costo de la Renuncia de los Dafios Pérdidos a la factura del pago del contrato de venta. 5/264 Date 7 F Fecha Date (Buyer #2) Signature Fecha (Comprador #2) Firma Lebel Financial: Original (White Copy) Dealer: (Yellow Copy) Customer: (Pink Copy) Exhibit iA. Buyer has purchased a motor vehicle and has a retail installment,sale contract. Buyer is required by the retail installment sale contract to provide insurance to protect Lobel Financial’s legal interest in the motor vehicle against loss or damage. Lobel Financial is willing to sell to Buyer the Loss Damage Waiver and waive the requirement that Buyer provide proof of insurance pursuant to the retail installment sale contract. As consideration for Buyer's purchase of the Loss Damage Waiver Lobel Financial agrees to assume the risk of loss to the motor vehicle from Buyer under the following conditions: £1 Comprador ha comprado un veh{culo y tiene un contrato de venta. £1 Comprador es obligado a presentar evidencia de seguro para proteger el interés de Lobel Financial contra dafios y pérdidas. Lobel Financial esta dispuesto a vender la Renuncia de Dafios Pérdidos y renunciar el requisito de que el & presente de seguro el . Gn de la compen de la Renuncia de Dafios Pérdidos Lobel Financial conviene asumir el riesgo de pérdida al veh{culo, bajo las siguientes condiciones: WHEN DAMAGE OCCURS TO THE MOTOR VEHICLE 1, Buyer shall notify Lobel Financial within 10 days should the motor vehicle sustain damage or loss exceeding $500. If Lobel Financial is not notified timely, then the date of loss shall be the date Lobel Financial receives notice. Failure to notify Lobel Financial within 45 days of the date of loss will result in denial of coverage. 2. In the event of loss or damage, to the motor vehicle, Lobel Financial in its sole discretion will determine if the motor vehicle is repairable or is a total loss. A motor vehicle will be deemed a total loss when either the estimated cost of repairing the motor vehicle exceeds the remaining balance due Lobel Financial on the retail installment sales contract, or the estimated cost of repair exceeds the actual cash value of the motor vehicle. The right to repair the vehicle or to declare a total loss shall be Lobel Financial’s exclusively. All claims are subject to a $500 deductable. 3. If Lobel Financial declares the motor vehicle a total loss, any outstanding contractual balance due Lobel Financial from Buyer at the time the loss is reported to Lobel Financial shall be deemed satisfied, except: the first $500.00 in damages per loss occurrence; al) past due payments; interest in arrears through the date of loss; all past due Loss Damage Waiver fees; all late charges; all legal or collection or repossession fees; impound fees; storage or towing costs exceeding $150 related to the damage occurrence and lost salvage fees resulting from a lien sale or other event where Lobel Financial cannot obtain or recover the salvage value of the damaged motor vehicle. The retail installment sale contract shall not be deemed satisfied until all such fees and charges are paid in full. 4. In the event of a total loss, the Loss Damage Waiver is secondary to any existing insurance coverage that Buyer has in force. Lobel Pinancial will waive any contractual balance not satisfied by Buyer's insurance, after Lobel Financial receives full payment from Buyer’s insurance. In a secondary claim, Buyer remains responsible for; $500.00 deductible; all past due payments; all past due Loss Damage Waiver fees; all late charges; all legal or collection or repossession fees; impound fees; and any storage or towing costs exceeding $150 related to the damage occurrence. S. If damage or loss occurs wherein the outstanding contractual balance is deemed satisfied per paragraph (3) above, Buyer acknowledges that Lobel Financial will have no further obligation to Buyer beyond complying with the terms and conditions of this Loss Damage Waiver agreement. 6. In the event of a total loss, Lobel Financial reserves the right to retain the damaged motor vehicle, provided, however, that the Buyer shall not abandon the vehicle to Lobel Financial without Lobel Financial‘s prior written consent. CUANDO DANOS OCURREN AL VEHfCULO 1. El Comprador notificar4 a Lobel Financial dentro de 10 dias si el vehiculo sufre dafios o pérdidas en exceso de $500. Si Lobel Financial no es notificado a tiempo, entances la fecha de pérdida ser4 la fecha que Lobel Financial recibe el aviso. Si Lobel Financial no recibe notificacién dentro de 45 dias de la fecha de la pérdida la cobertura sera ls 2. En caso de una pérdida o dafio al vehiculo , Lobel Financial determinaré si el vehiculo es reparable o es una pérdida total. Un vehiculo ser& juzgado una pérdida total cuando el estimado costo de la reparacién del veh{culo excede el saldo restante debido a Lobel Financial en el contrato de venta o el estimado costo de la reparaci6n excede el valor actual del veh{culo. £1 derecho de reparar el vehiculo o de declarar una pérdida total ser& de Lobel Financial exclusivamente. Todos los reclamos gon sujetos a un deducible de $500. 3. Si Label Pinancial declara e] veh{culo una pérdida total, cualquier saldo debido por el Comprador a Lobel Financial bajo el contrato al tiempo de la pérdida serd juzgado satisfecho, excepto: los primeros $500 en dafios por cada ocurrencia de Pérdida; todos los pagos atrasados; interés en atrasos atravez de la fecha de la pérdida; todos los honorarios atrasados de la Renuncia de Dafios Pérdidos; todo cargo atrasado; todos los honorarios legales o de coleccién o de reposesidn; y todo cargo de almacenaje o remolque en exceso de $150 relacionado con la ocurrencia de los dafios y tarifas de rescate o salvamento del veh{culo dafiado. El saldo del cantrato no seré juzgado satisfecho hasta que todas las tarifas y cargos mencionados sean totalmente 4. En caso de uma pérdida total, la Renuncia de Dafios Pérdidos es secundaria a cualquier cobertura de seguro existente que el Comprador tenga en efecto. Label Financial renunciara cualquier saldo restante bajo el cantrato no satisfecho por el seguro del Comprador, después de que Lobel Financial reciba el -pago completo del seguro del Comprador. En una demanda secundaria, el Comprador es responsable de; deducible de $500.00; todos los pagos atrasados; todos los honorarios atrasados de la Renuncia de los dafios pérdidos; todo cargo atrasado; todos los honorarios legales o de coleccién o de reposesién; y todo cargo de almacenaje © remolque en exceso de $150 relacionado con la ocurrencia de los dafios y tarifas de rescate o salvamento del vehficulo dafiado 5. $i ocurren dafios o pérdidas y el saldo pendiente del contrato se considera satisfecho de acuerdo con el pérrafo (3) arriba, el Comprador reconoce que Label Financial no tendrd ninguna otra abligacién al comprador mfs all de cumplir can los términos y las condiciones de esta Renuncia de Dafios Perdidos. 6. Em caso de una pérdida cotal, Label Financial reserva el derecho de retener el vehiculo daflado, sin embargo, el Comprador no abandonaré el vehfculo a Lobel Financial sin primero tener el consentimiento escrito por Lobel Financial. CANCELLATION 7, Lobel Financial may cancel this Loss Damage Waiver and Lobel Pinancial’s obligations hereunder shall be suspended if (a) Buyer becomes delinquent by 10 days or more on contractual payments or the Loss Damage Waiver Fee; (b) the motor vehicle is ; (¢) an accident occurs prior to the effective date of the Loss Damage Waiver. Any repossession of the motor vehicle under this provision shall be conducted in compliance with applicable law, and Buyer's rights shall be the same as if the motor vehicle had been repossessed for nonpayment of Buyer's retail installment sale contract. 8. Should Buyer obtain insurance on the motor vehicle in an amount and with terms satisfactory to Lobel Financial, this Loss Damage Waiver shall terminate upon Lobel Financial receiving acceptable proof of such insurance. In that event, Lobel Pinancial will calculate any refund due to Buyer on a pro-rata basis subject to a minimum earnings of $25.00. 9. Lobel Financiel reserves the right to cancel the Loss Damage Wavier at any time without cause. Upon receipt of written notice of such cancellation, Borrower shall be responsible for obtaining insurance coverage as required by Lobel Pinancial. CANCELACION 7. Lobel Financial puede cancelar esta Renuncia de Dafios Pérdidos y las obligaciones de Lobel Financial ser&n suspendidas si (a) @l Comprador se atrasa 10 d{as o més en los pagos del contrato o de la Renuncia de Daflos pérdidos; (b) el vehiculo es reposeido; (c) ocurre un accidente antes de la fecha de que la Renuncia de los Dafios Pérdidos este en efecto. Cualquier reposesién del veh{culo bajo esta estipulacién ser& conducido en conforme con la ley aplicable, y los derechos del ser&n como si ¢l veh{culo hubiera sido reposeido por falta de pago del contrato. 8. Si el Compradar obtiene seguro de veh{culo satisfactorios a Lobel Financial, esta Renuncia de Dafios Pérdidos se dara por terminado al recibir prueba aceptable de tal seguro. En ese caso, Label Financial calcularé cualquier reembolso debido al Comprador conforme sea una ganancia minima de $25.00. 9. Lobel Financial reserva el derecho de cancelar la Renuncia de Daflos pérdidos en cualquier momento y sin causa. Al recibir el aviso por escrito de tal cancelacién, el prestatario ser4 responsable de abtener cobertura de seguro segin los requisitos de Label Financial. GENERAL TERMS AND DENIALS 10. This Loss Damage Waiver is not an insurance policy ‘and is not intended to provide Buyer with any benefit whatsoever beyond shifting the risk of loss of the motor vehicle from Buyer to Lobel Financial up to an amount equaling the balance on the retail installment sale contract. Jl. ‘This Loss Damage Waiver will not cover and the Buyer will remain financially responsible to Lobel Financial for any damage to the motor vehicle as a result of: (1) Intentional, willful, wanton or reckless conduct; (2) Operation under the influence of drugs or alcohol; (3) Towing or pushing anything; (4) Operation off road; (5) Use of tire chains; (6) Wear and tear, mechanical or electrical breakdown, repairing, restoration or modification of the motor vehicle; (7) Use for commercial hire; (8) Use in connection with conduct that could be properly charged as a felony; (9) Speed contest or driver training; (10) Operation outside the United States; (11) Seizure as a result of criminal activity; (12) Conversion or embezzlement by Buyer or anyone in lawful possession. . 12. The Loss Damage Waiver does not cover after market or ies. Only or opti 1 13. The Loss Damage Waiver does not provide coverage if; (1) The occupants of the motor vehicle have fled the scen e; {2) The required documentation, including a valid police or incident report, has not been furnished to Lobel Pinanc ial within 45 days of the date of loss; (3) Contractual payments including Loss Damage Waiver amount due, were not paid w ithin the 10 day grace period on the date of loss. . TERMINOS Y NEGACIONES GENERALES 10. sta Renuncia de Dafios Pérdidos no es una péliza de seguro y no pretende ofrecer al Comprador ninguna ventaja mas allé de cambiar de puesto el riesgo de la pérdida del vehiculo de] Comprador a Lobel Financial hasta una cantidad que iguala el saldo del cantrato de verita. | 11. Esta Renuncia de Dafios Pérdidos no cubriré y el seguiré da lidad f con P: ‘ial si log dafios son resultados de: s ‘ae acts i tencional, vol i ible o imprudente; (2) Qperacién bajo influencia de drogas o de alcohol; (3) Remolcar o empujar un objeto; (4) Operacién fuera de la carretera; (5) Uso de cadenas de llantas; (6) Desgaste por uso, fallas mec4nicas o eléctricas, reparacién, restauracién o modificacién del veh{culo; (7) po el uso commercial; (8) Uso en conexién can la conducta donde se podria cargar correctamente como crimen; (9) & ia de la a (10) Qperacién fuera de los Estados Unidos; (11) Retenido ‘como resultado de una actividad criminal; (12) Conversién o malversaci6n parte del Comprador o cualquier persona en posesién legal. . a3, Ee meounota de los Dafios Pérdidos no cubre a equipos diferentes de los equipos normales o accesorios superiores. lamente cubrir& equipo de la fabricacién original. a 13. La paancia da Dafio de Pérdida no proporciona cobertura si; (1) los ocupantes del veh{culo han huido de la escena; (2) la documentacién requerida, incluyendo un informe de policia o de incidente v&lido, no se ha entregado a Label Financial en ia del el plazo de 45 dias de la fecha de la pérdida; (3) los pagos les debido i 1y los de la Renunc: oan de Pérdida no fueron pagados dentro del perfodo de gracia de 10 dias de la fecha de la pérdida. -_ am, Date of Notice and Mailing: November 25, 2015 (FIRST CLASS) Account No: 473313 From: LOBEL FINANCIAL Holder of Contract and Legal Owner of Motor Vehicle - Secured Party 1150 N. MAGNOLIA AVE. ANAHEIM, CA 92801-2605 714-995-3333 JAM! SANDERFORD Person(s) Liable on Contract - Debtor(s) - Obligor 4821 LEWIS CARROLL WY SACRAMENTO, CA 95842 NOTICE OF OUR PLAN TO SELL PROPERTY California Commercial Code 9613, 9614, 9623 Subject: Motor Vehicle Retail Conditional Sale Contract Dated May 26, 2014 Motor Vehicle (“Vehicle”) Collateral: 04 MAZDA MAZDA6 VIN: 1YVFP80D645N95088, Lic: 6WLU270 We have your 04 MAZDA MAZDA6 VIN: 1YVFP80D645N95088, Lic: 6WLU270 because you broke promises in our agreement. We will sell the 04 MAZDA MAZDA6 VIN: 1YVFP80D645N95088, Lic: 6WLU270 at private sale sometime after December 10, 2015. A sale could include a lease or license. The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. To learn the exact amount you must pay, call us at 714-995-3333. If you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at 714-995- 3333, or write to us at 1150 N. Magnolia Ave. Anaheim, CA 92801 and request a written explanation. If you need more information about the sale call us at 714-995-3333 or write us at 1150 N. Magnolia Ave. Anaheim, CA 92801. We are sending this notice to the following other people who have an interest in the 04 MAZDA MAZDAG6 VIN:1YVFP80D645N95088, Lic: 6WLU270 or who owe money under your agreement: NOTICE OF INTENTION TO DISPOSE OF MOTOR VEHICLE California Civil Code 2983.2, 2983.3 We intend to dispose of the Vehicle as explained in this Notice subject to your rights to get back the Vehicle as described in this Notice. The date for sale will be at least 15 days from the date of this Notice (20 days if this Notice is mailed outside of California or the address of any of the persons liable on the contract is outside of California). You have a right to request an extension of the time of 10 additional days (see Right to Request an Extension of Time below). Upon receipt of your written request for an extension of time, Lobel Financial shall extend for an additional 10 days, the sale of the Vehicle and both the reinstatement and redemption periods without further notice. RIGHT TO REINSTATE You are in default under the contract as follows: Failure to make payment(s) due under the contract. Failure to keep the Vehicle free from encumbrances and liens. Failure to keep and maintain insurance on the Vehicle. You voluntarily surrendered the Vehicle. XX] You have the right to reinstate the contract and get back the Vehicle. To reinstate, you must do the following (below) within 15 days of the date of this Notice (20 days if this Notice is mailed outside of California or the address of any of the persons liable on the contract is outside of California). You have the right to request an extension of the time of 10 additional days (see Right to Request an Extension of Time below). Upon receipt of your written request for an extension of time, Lobel Financial shall extend for an additional 10 days, the sale of the Vehicle and both the reinstatement and redemption periods without further notice. Your cure of the default must be made to Lobe! Financial, Attention: Repossession Department at 1150 N. Magnolia Ave. Anaheim, CA 92801. Pay the Total Amount Now Due Past Due Payments $ 533.96 Encumbrance and Lien Expense + §$ 0.00 Repossession Fee + §$ 200.00 Total Amount Now Due = $ 733.96 Continued on Rear You must also pay the following amounts if they come due during the reinstatement period and if applicable, any extension period to reinstate your contract. The reinstatement amount increases by $271.32 on December 25, 2015, by the amount of $13.57, ten days later, and by an additional $15.00 if a check is returned unpaid. A fee of $15.00 is payable to Sacramento County Sheriffs Department,711 G Street,Sacramento,Ca,95814 pursuant to Government Code 26751. Proof of payment must be provided to the party storing the Vehicle prior to its release. Storage charges are $15.00 per day and are payable to ANY CAPITAL RECOVERY, 4545 AUBURN BL, SACRAMENTO, CA 95841 who is storing the Vehicle and began accruing from the date of repossession which was November 22, 2015. RIGHT TO REDEEM You have the right to redeem (get back) the Vehicle at any time up until the date we sell the Vehicle, or the date we enter into a contract for its sale, by paying to Lobel Financial, Attention: Repossession Department at 1150 N. Magnolia Ave. Anaheim, CA 92801 the Total Outstanding Due (not just the past due payments). This date will be at least 15 days from the date of this Notice (20 days if this Notice is mailed outside of California or the address of any of the persons liable on the contract is outside of California). You have the right to request an extension of the time of 10 additional days (see Right to Request an Extension of Time below). Upon receipt of your written request for an extension of time, Lobel Financial shall extend for an additional 10 days, the sale of the Vehicle and the redemption period without further notice. Contract balance $ 3,722.03 Delinquency fees $ 0.00 Repossession fees + § 200.00 Subtotal = $ 3,922.03 Less unearned finance charge - §$ 183.53 Less unearned insurance premium - §$ 0.00 Less unearned insurance finance charge - § 0.00 Less unearned GAP charge - §$ 0.00 Less unearned GAP finance charge - § 16.80 Less unearned LDW charge - §$ 0.00 Total Outstanding Due = $ 3,721.70 You must also pay the following amounts to redeem: A fee of $15.00 is payable to Sacramento County Sheriffs Department,711 G Street, Sacramento,Ca,95814 pursuant to Government Code 26751. Proof of payment must be provided to the party storing the Vehicle prior to its release. Storage charges are $15.00 per day and are payable to ANY CAPITAL RECOVERY, 4545 AUBURN BL, SACRAMENTO, CA 95841 who is storing the Vehicle and began accruing from the date of repossession which was November 22, 2015. LOCATION OF VEHICLE If you have the right to reinstate and you reinstate the contract, or if you redeem the Vehicle by paying us the total outstanding due, the Vehicle will be returned to you at ANY CAPITAL RECOVERY, 4545 AUBURN BL, SACRAMENTO, CA 95841. WRITTEN ACCOUNTING We will provide you with a written accounting following sale of the Vehicle. If there is a surplus, it will be paid to you within 45 days of the date of sale unless we are required by law to pay it to someone else. You may request another written accounting, from Lobel Financial Attention: Repossession Department at 1150 N. Magnolia Ave. Anaheim, CA 92801 within one year of the date of the sale by personally serving us or mailing to us your written request by first class mail, postage prepaid, or certified mail, return receipt requested. NOTICE. YOU MAY BE SUBJECT TO SUIT AND LIABILITY IF THE AMOUNT OBTAINED UPON DISPOSITION OF THE VEHICLE IS INSUFFICIENT TO PAY THE CONTRACT BALANCE AND ANY OTHER AMOUNTS DUE. Upon disposition of the Vehicle, you will be liable for any deficiency balance plus interest at the contract rate, or at the legal rate of interest pursuant to California Civil Code Section 3289 if there is no contract rate of interest, from the date of disposition of the Vehicle to the date of entry of judgment. RIGHT TO REQUEST AN EXTENSION OF TIME You must either personally serve this Request on us or send it to us by certified or registered mail, return receipt requested to Lobel Financial, Attention: Repossession Department: 1150 N. Magnolia Ave., Anaheim, CA 92801. If we receive this Request within 15 days of the date of this Notice (20 days if this Notice is mailed outside of California or the address of any of the persons liable on the contract is outside of California), we will extend, the sale of the Vehicle and the time to reinstate the contract, if you have that right, or to redeem your Vehicle, for 10 days without further notice. To Lobel Financial Your Name Account No. 473313 Signature Date aim AccountingsPrint Invoice https://www.t. -uverymanagerpro.com/Accounting/Print/S 74515 E\AW Any Capital Recovery INC. 4545 Auburn Blvd Sacramento, CA 95844 Office: (916) 488-8462 - Fax: (916) 290-0188 Invoice #: 574515 . so ?, Tax ID: Invoice Date: 11/23/2015 U4301 ' Case #: 15-110166 Bill to: Lobel Financial ‘ Debtor: Sanderford, Jami Contact Name: 4821 Lewis Carroll Way Phone: Sacramento, CA 95842 Fax: Collateral: 2004 Mazda MAZDAS AccountNumber: 473313 VIN: TYVFP8OD64SN95088 ro PO Number: Legal Owner: Lobel Financial : Date Assigned: 11/20/2015 5:08 PM Repo Date: 11/22/2015 3:00 PM Mileage: [comments - 7 r(Invoice Items Quantity Description Price Taxable _- Total { 1 Voluntary Repo Fee 200.00 N 200.00 { Totals : SubTotal 200.00 | Tax (0.00%) . 0.00 | Total 200.00 | Amount Paid 0.00 | Balance Due 200.00 ; | | ~ NOV 30 2015 | | ov ad _ 11/23 Exh of | 13 - 8 5 3 a tn e e License Plate # N/A Stock #N/A Dec 17, 2015 Lending/Sug. Retail Breakdown, Auction & Trade-In Kelley Blue Book Effective dates: 12/11/2015-12/17/2015 2004 Mazda MAZDAG § Sedan 4D.....ccccccsccssssssscecessessesesscsesecceseseeees saeiaasansnce $2,628/$4,881 VIN: 1YVFP80D645N95088 V6, 3.0 Liter.....ccccssscecsscsccscssecsosecsseesscesssecersccars ee iesteees Included AUtOMAatiC....c.cccsrcecesccsccsccersecesees sencuaseanscavessene Sésestesenesene enn : Included POW D scescascssssasscssssasvcssascacssacccsrecstasnistieecess saseonseceeecences stentensescestensss Included EXt. Color: N/Av.ssccsssccscosssessessesesecssecsnveves siassasaisssunssiions sueneasisee $0/$0 *** Equipment *** . ’ Traction Control............. $0/$0 ABS (4-Whel)...ccccsscsssssossseeseeseees Included Air Conditioning............. ; Included Power Window.......... eonseasseavecaonsecs Included Power Door Locks........0000 Included Cruise Control....cccccsssscsseesoees as Included Power Steering.... Included Tilt Wheel............ Included AM/EM Stere0........0000 saseueberss csaees Included | No Cassette.........000 eaisuesaseuseneeasd $0/$0 CD (Single Disc)........ assess Included Dual Air Bags... siasaanenees $0/$0 Dual Power Seats..........000 $25/$33 Alloy Wheels........ seehaateaeansanes . $25/$33 Fuel City/Hwy 17/24 MPG Total Value without mileage......cccccecseees asaeets $2,678/$4,947 Mileage Adjustment(163,602) milles..........cseccessseserses <$567> ***Total Lending/Suggested Retail Value............ssssssesscsseessere seaveces $2,111/$4,380 AUCH OM isscissssasivssgsscacscacicascecansasaseaictisiesneeasany enneeteneiacsaeshese see $1,597 Trade-In Value........cscccsccsssscssssssesseseserscecees suovenessea Ksseassecsseusveuans $1,266 Trade-In Value Range.....sssssscccsssssssssesesssescsesseses Jibiendisbosesoeee aseeseeaee $808 - $1,723 Condition: Good Lobel Financial 12/11/2015-12/17/2015 Kelley Blue Book® KARPOWER Online's® values for 92803. Values are subjective opinions. Kelley Blue Book assumes no liability for errors or omissions as to values, manufacturer or dealer information. ©Copyright Kelley Blue Book 2015.All rights reserved. Exhibit _ EZ EDGEAS Stock: 1156058 CONDITION REPORT />.1/ [et Date: 12/08/2015 2:32 PM Seller: LOBEL FINANCIAL Custonjer: SANDERFORD,JAMI #12844 Phone/Fax: (714) 816-1323/(714) $03-2915 Sale Date: Year Make Model Body Type VIN 2004 MAZDA 6 SEDAN 4 DOOR LY VFP80D645N95088 Drive Ext Color Int Color Int Material Sound Roof FWD Red Gray Cloth w/CD Hardtop Fuel Mileage Odo. Type Engine Transmission Airbags Gas 163602 Digital 6-Cyl. 3.0Liters Automatic Dual Doors License Plate License St Plates Plate Expires End of Term = 6WLU270 CA 1 2015/10 | ® Accessories: Ignition keys (1) ¢ Interior: Floor mats, Power seats, Power windows, Power mirrors, Cruise control, Tilt wheel, Steering wheel controls, Bucket seats: front, (2) Rear defroster, Power locks, Dual air, 5 passenger seating ¢ Exterior: Alloy wheels © Equipment: Power steering, Power brakes, Air conditioner, Antilock brake system * Electronics: Cd player Notification: Arrival: 12/02/2015 the] = (49 ant Visual: 12/08/2015 Body: 12/08/2015 Front 03/32in 04/32in Mechanical: NEXEN NEXEN Writer: NK 21S/SOR 215/S0R Approval: 17 17 Complete: 12/08/2015 Revised: Rear 05/32in 05/32in Driveable: Yes Sumitomo Other ! Wiesel Prame 215/50R | 215/SOR Damage: 17 17 Book Value: $3850.00 Condition: 3.0 eee ~ Spare Announcements: Notes: | Inspection Description Approved Repaired Material Labor Labor Paint Paint Sublet Date Estimate Hours Estimate Hours Estimate Estimate Chargeable "12/08/2015 Front bumper collision 650.00 0.00 0.00 0.00 0.00 0.00 dmg | - 6, Repair. . one 12/08/2015 Hood multiple chips 300.00 0.00 0.00 0.00 0.00 0.00 +6, Reparr _- el ae eee saat ccna oe nem anne Shon ns 12/08/2015 Carpetstained 200.00 0.00 0.00 0.00 0.00 0.00 -Needs Cleaning. Det] es ereennene eneneeneeinmiamen nt mi ~ 12/08/201 5 Headliner burn/burn hole 300.00 0.00 0.00 0,00 0.00 0.00 - Replacement Required. Exhibit _ ee... nn 12/08/2015 Seats stained 1200.00 0.00 0.00 0.00 0.00 0.00 ees eine Permanent. Replace. 12/08/2015 Lf door edge chipped 300.00 0.00 0.00 0.00 0.00 0.00 ee: 6. Repair. 12/08/2015 Lf fender multiple chips 300.00 0.00 0.00 0.00 “0.00 0.00, ee -5, Repair, . oe . 12/08/2015 Lf wheel curb rash 100.00 0.00 0.00 0.00 0.00 0.00 bee eenene - 5. Repair, 12/08/2015 Lr door mult 200.00 0.00 0.00 0.00 0.00 0.00 scratches/light . -5. Repair, _ 12/08/2015 Lr wheel curb rash 100.00 0.00 0.00 . 0.00 0,00 0.00 wee ee ee -4, Repair. _ . _ 12/08/2015 Rear bumper mult 300.00 0.00 0.00 0.00 0.00 0.00 scratches/heavy ee 5 Repair. __. . 12/08/2015 Rf door multiple chips 300.00 0.00 0.00 0.00 0.00 0.00 . -6. Reparr, _ _ __. oe cece teen ee 12/08/2015 Rf fender dent/no paint 300.00 0.00 0.00 0.00 0.00 0.00 dmg x26 Roper. cece meets e Veena oe 12/08/2015 Rf wheel curb rash 100.00 0.00 0.00 0.00 0.00 0.00 scaaicccsiaun ainmlee. meee ee cemunpenue nstaa 4 iy eames wetness non ate ian eet fos et enema te ene Se eee oe nein nea 12/08/2015 Rr door multiple chips 300.00 0.00 0.00 0.00 0.00 0.00 . - 4. Repair, . ence _ _. _ __. 12/08/2015 Ratr panel collision dmg 650.00 0.00 0.00 0.00 0.00 0.00 . REPRE wer tees geen cemeens ener Sate ab eatte enenmnman sete ntanene dee ce eeeers wenenneneen + tonne ste eam eam a 12/08/2015 Rr wheel curb rash 100.00 0.00 0.00 0.00 0.00 0.00 -§, Repair. Subtotal: $5700.00 0.00 $0.00 0.00 $0.00 $0.00 Deductible Subtotal: $0.00 0.00 $0.00 0.00 $0.00 $0.00 Nonchargeable Subtotal: $0.00 0.00 $0.00 0.00 $0.00 $0.00 Total Estimate: $5700.00 0.00 $0.00 0.00 $0.00 /000 Grand Total: he $5700.00 Charge Date Description Amount 12/04/2015 Keys program 100.00 12/02/2015 Transp p/u bank 125.00 12/02/2015 Dmv fee 15.00 ; = NORTH BAY AUTO AUCTION Run No. L 0025 Sale Date Acct No. 473313 Acct Name Stock No. 1156058 Buyer N0092 NATIONAL AUTO SALES 2520 OLD MIDDLEFIELD WAY MOUNTAIN VIEW, CA 94043 DMV FEE KEYS PROGRAM SALE FEE ‘BY ENDORSEMENT, THIS CHECK is ACCEPTED AS FULL SALE PROCEEDS FOR THE VENIC ; beedeh lala THIS CHECK IS PROTECTED af SPECIAL aa Sis it a WAOG? 3 au’ SANDERFORD, JAMI 12/22/2015 vin 12/22 L 0025 1YVFP80D645N95088 12/22 L 0025 1YVFP80D645N95088 12/22 L 0025 l¥YVFPs0D645N95088 mee hbkPHde Check Date 12/23/2015 Make MAZDA Model Title CA 162277267 "1,000.00 410.00 Sale Amount Vehicle Chgs Customer Chgs Net Amount 590.00 15.00 100.00 100.00 PREMIUM DETAIL TRANSP P/U BANK 12/2 12/2 M ‘ane 00 abe? eu Se... 4 LYVFP80D645N95088 y 2004 : “ale Oe 2° 000306732 a x84596 3 oS aie) ‘ ne sg oe by ros ie Been ys Cy peed Prot ren ay 5 se tha Wyss 3: ln L2844 CK# Miles 163602 Seller - oo L2844 LOBEL FINANCIAL 1150 N MAGNOLIA AVE ANAHEIM, CA 92801 2 L 0025 1YVFPBODE4SN9S088 2 L 0025 1YVFP80D645N95088 70.00 125.00 LE DESCRIBED HEREIN. tf INCORRECT, PLEASE RETURN _ isi ide Lbabeh SLs Pall bdil SU cha esa amen tak Nh Shao, jeRCIAUBANKG ri Pe Ee 3 ey ak eis seanee a ea nee #3 £00 9306/32 PY FOR es rep ee e s eee ska Eee Ee RES 4 Fees a a Raoatics AUTOS UCT {vz is ay [avoir et 90. mvs Ta DETAILS PU iesntemienaadlitnatbhed tamed omen ed 473313 SANDERFORD, JAMI I. 4821 LEWIS CARROLL WY SACRAMENTO, CA 95842 DATE 07-12-18 LAST PAID 09-12-16 NEXT DUE 10-25-15 DATE 05-26-14 06-04-14 06-05-14 06-05-14 06-06-14 06-06-14 06-25-14 07-15-14 07-21-14 07-25-14 07-29-14 08-15-14 08-21-14 08-21-14 08-26-14 09-15-14 09-21-14 09-25-14 10-10-14 10-10-14 10-13-14 10-30-14 11-05-14 11-10-14 11-24-14 12-06-14 12-09-14 12-09-14 12-09-14 12-10-14 12-10-14 12-17-14 12-19-14 01-12-15 01-30-15 02-05-15 02-09-15 02-23-15 03-02-15 03-08-15 03-12-15 03-20-15 03-30-15 04-05-15 04-09-15 04-21-15 TYPE WA NP wc NP ST L1 L2 st PY L1 L2 PY ST L1 L2 ST A1N PY DD L1 L2 ST A1N L4 st ER PY RP PY ST L1 L2 ST PY L1 L2 ST PY L1 L2 ST PY VEHICLE YEAR : 04 VEHICLE MAKE : MAZDA VEHICLE MODEL: MAZDA6 LICENSE # VEHICLE ID 6WLU270 # : LYVFP80D645N95088 28 X 271.32 DATE 1ST PAYMENT DUE 07-10-14 DEBIT CREDIT 1652 13 i3 13 13 13 335. 13 13 13 00 57 257 -57 oo? oO 7 00 Jo 57 57 1652. 285. 275. 253. 878. 271. 270. 271.. 272 00 00 00 96 00 32 96 32 -00 7596.96 #MG79802200 #MG96066112 #MG57569041 NOTICE OF ASSIGNMENT DATE EFF=05-26-14, LDW POLICY ADDED NEW PYMT=330.32 PC=+59.00, NEW PAYMENT - PA EFF=05-26-14 PPC=+0.00, LDW POLICY CANCELLE NEW PYMT=271.32 PC=-59.00, NEW PAYMENT - PA PYMT=271.32, STATEMENT - SENT 15 DAYS PRIOR LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=271.32, STATEMENT - SE LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=-17.36, STATEMENT - SE LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=253.96, STATEMENT - SE 30 DAYS PAST DUE 10-10-14 TO 10-25-14, DUE DATE CHANGE LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=271.32, STATEMENT - SE 30 DAYS PAST DUE LATE NOTICE #4 - 40 DAYS PAST DUE (LEGAL A PYMT=271.32 PAST-DUE=542.64, STATEMENT - SE BOOK, ASSIGN FOR REPO 335.00/0.00 BOOK 12-09-14, ESTIMATED REPO F #M02058907541 #76229-1 12- #PP 045382 #PP 064095 #PP 098836 #PP 009923 C ON 12-10-14, REPO REDEMPTION REPO FEE PYMT=271.32 PAST-DUE=-0.36, STATEMENT - SEN LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=270.96, STATEMENT - SE LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=271.32, STATEMENT - SE LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=271.32, STATEMENT - SE Exhibit] 04-30-15 05-06-15 05-11-15 05-21-15 05-27-15 05-30-15 06-05-15 06-09-15 06-22-15 06-30-15 07-06-15 07-10-15 07-22-15 07-30-15 08-05-15 08-10-15 08-21-15 08-24-15 08-24-15 08-30-15 09-05-15 09-09-15 09-22-15 09-30-15 10-06-15 10-12-15 10-26-15 10-26-15 10-30-15 11-05-15 11-09-15 11-20-15 11-22-15 11-24-15 11=-25=15 11-30-15 12-06-15 12-09-15 12-30-15 12-30-15 12-30-15 12-30-15 12-31-15 09-12-16 L1 L2 ST PY Bl L1 L2 ST PY L1 L2 ST PY L1 L2 ST Bl A1N PY L1 L2 ST PY L1 L2 ST A1N PY L1 L2 ST ER A1N RL RP L4 ST PY: GR RE SD PY 13 13 13 13. 13 13 13 200 13 57 57 ~>7 57 57 so7 57 -00 57 270. 271. 271. 271. 271. 280. 590. 79 10 119. 146. 64 00 32 64 32 00 00 26 00 eed) LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=270.64, STATEMENT - SE #DBT 092244 NOTICE TO PROVIDE INS/OR LDW ADDED TO ACCOU LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=271.32, STATEMENT - SE #DBT 050719 LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=271.64, STATEMENT - SE #DBT 008601 LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=271.64, STATEMENT - SE NOTICE TO PROVIDE INS/OR LDW ADDED TO ACCOU 30 DAYS PAST DUE #DBT 086342 LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=271.32, STATEMENT - SE #DBT 043227 LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=271.32 PAST-DUE=271.32, STATEMENT - SE 30 DAYS PAST DUE #M17299280628 LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND #574515 11-2 #000306732 #000306732 $3,215.55 #65-027015 $3,069.55 BALANCE PYMT=271.32 PAST-DUE=262.64, STATEMENT - SE ANYC, ASSIGN FOR REPO 200.00/0.00 ANYC 11-22-15, ESTIMATED REPO F ATT LETTER SUPPRESSED-REPO'D, 30 DAYS PAST NOI TO DISPOSE LETTER, REPO LETTER - NOTICE REPO FEE LATE NOTICE SUPPRESSED-REPO'D, LATE NOTICE STMT SUPPRESSED-REPO'D, STATEMENT - SENT 15 CO ON 12-30-15, REPO REDEMPTION SOLD AUTO SOLD AUTO, GAP FINANCE CHARGE REBATE FINANCE CHARGE REBATE BALANCE AT CHARGE OFF 12-30-15 SURPLUS/DEFICIENCY LTR:B1, EXPLANATION OF C SALES TAX REFUND