Declaration

Cal. Super. - 3rd Dist.July 31, 2017

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Lobel Financial Corporation Gary Dean Lobel CBN 105983 Ronald J. Green Jr. CBN 177043 Shiao-Wen Huang CBN 211357 ie ¥ Z. i > 1150 N. Magnolia Avenue Superior Court of C : alifornia Anaheim, CA 92801-2605 ™ County of Placer * (714) 995-3333 MAY 07 2018 Attorneys for Plaintiff, Jake Chatters a LOBEL FINANCIAL CORPORATION ne atuorto, Deputy SUPERIOR COURT, COUNTY OF PLACER PLACER JUDICIAL DISTRICT LOBEL FINANCIAL CORP., a California Corporation, Case No. MCV0068130 Plaintiff, vs. DECLARATION OF SHILOY KRAUSE REGARDING BREACH OF CONTRACT [Cc.c.P. 585] ANAGABRIEL TZINZUN GABRIEL C. TZINZUN Does 1 to 10 we e ws we s ws Ss ws ws Ss ws ws ws w s SS we we we e we w w 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 Legal Department Assistant Manager and I have been 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 duty to do so. I am one of the custodians of LOBEL’S records herein; and, in making Declaration of Shiloy Krause Pursuant to CCP 5 85 -1- 10 ded. 12 1.3 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Lobel Financial Corporation 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 November 3, 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 onc e on the account. Attached as Exhibit “8” is the account payment history which sho ws when the LDW policy is added (“WA”), when the LDW policy is cancelled (“we”) and, once the account is charged off, any unearned LDW rebate (“WR”). On or about August 18, 2016 defendant(s) defaulted on said contr act by failing to make any further payments. On February 20, 2017 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. A true and correct copy said notice is attached hereto as Exhibit "2". A true and correct copy of the repossession invoice is attached as Exhibit Declaration of Shiloy Krause Pursuant to CCP 585 -2- 10 1. 12 13 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 $1,451.00. 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 $3,458.00. Additionally, the vehicle was sold “As is”. The vehicle’s engine was determined to need $3,800.00 in repairs. A copy of the estimated repairs to the engine is attached as Exhibit “6”. The condition of the vehicle reduced the blue book value by $7,258.00. If this sum is deducted from the blue book value the net value would be $-5,807.00. The vehicle involved was sold on 03/21/17 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 "7" 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 $300.00 but after deducting the fees the net amount received by Lobel Financial was $125.00. Therefore the vehicle sold ina 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 “8”, is a true and cor rect 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 03/23/17, at which time the sold auto proceeds were applied and the pre-computed interest was rebated on the contract leaving a deficiency balance of $3,593.46. A credit of $117.00 was received after suit. Declaration of Shiloy Krause Pursuant to CCP 585 -3- 10 11 12 13 14 5: 16 17 18 19 20 21 22 23 24 25 26 27 28 Lobel Financial Corporation Therefore, the balance at suit was reduced by the credit of $117.00, leaving a deficiency balance of $3,476.46. The interest was calculated at the lower amount. Interest would accrue at $2.18 per day. A total of 397 days have passed since the charge off. The daily interest of $2.18 was multiplied by 397 days. Based on the calculation of interest, the amount of interest that has accrued since 03/23/17 through 04-24-18 is $865.46.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 April 24, 2018 at Anaheim, California. Shi Kraus Declaration of Shiloy Krause Pursuant to CCP 5 85 -4- ae . a 2 O\ a CK-103 7/1/2013 Conditional Sale Contract and Security Agreement TRO SIAR AOTO'SALES FEN NGRE RIE TINZON HORE Aaressles) 1109 Gy an OY ) x a 403 RIVERSIDE AVE. SPRINGVIEW DR. 26 ROSEVILLE, CA 95678-3123 ROCKLIN, CA 95677 Contract No. 1418712 GABRIEL TZINZUN, 5902 SPRINGVIEW Date ___11/03/2014 DR. 26 ROCKLIN. Dealer # 80894.1 ROS# Stock : Baer Primary use of the vehicle is personal, family, or household use unless otherwise indicated: L] Primary use is business, commercial or agricultural purpose. Truth-In-Lending Disclosure Annual Percentage Finance Charge Amount Financed Total of Payments Total Sale Price Rate The dollar amount the The amount of credit The amount you will The total cost of your The cost of your credit credit will cost you. provided to you or have paid when you have purchase on credit, as a yearly rate. on your behalf. made all scheduled including your down payments. payment of $_ 1300.00 22.950 %4$ 2007.03 $ 5994.38 $ 8001.41 $ 9301.41 Payment Schedule. Your payment schedule is: (e) means estimate No. of Payments Amount of Payments When Payments are Due 30 $ 258.11. Starting 12/18/2014 and every 18th of the month thereafter 1 $ 258.11 Final payment on 07/18/2017 N/A $ N/A N/A N/A $ N/A N/A N/A $ N/A N/A Security. You are giving us a security interest in the Property purchased. Late Charge. If all or any portion of a payment is not paid within 10 days of its due date, you will be charged a late charge of 5 % of the unpaid amount of the payment due. Prepayment. If you pay off this Contract early, you will not have to pay a penalty. Contract Provisions. You can see the terms of this Contract for any additional information about nonpayment, default, any required repayment before the scheduled date, and prepayment refunds and penalties. Description of Property New/Used | Year Make Model Style Vehicle Identification Number | O dometer Mileage Used 2003 | AUDI ALLROAD QUATTRO WAGO] WA1YD64B23N047490 106,995 Trade-In Description; Payoff Accuracy; Agreement Rejection of Arbitration . ‘la: Checking the following box will not affect the term s under which Trade-tn Vehicle: we will finance and sell the Property or any of t he terms of this 0 Contract, except that the arbitration provision will not be a part of Year Make Model this Contract: a. - ; 0 7m 2 > CL) You reject the arbitration pro vision of this Contract. Odometer VIN a9 < We YeveNoe Ve) mel oy i/o) ke The payoff amount of your trade-in is shown in 6.B. of the® & 2. Seller Assisted Loans. Itemization of Amount Financed on Page 2. We relied on 1 f& = You may be required to pledge security for the l oan. You will be information from you and/or the lienholder or lessor of yours. o trade-in vehicle to arrive at the amount shown in 6.B. You® ©. Ss 3 obligated for the installment payments on both this Conditional Sales Contract and the Loan. understand the payoff amount is an estimate. You agree that $f. 5 d | N/A the actual payoff amount is greater than the payoff amount» x © Lender on loan shown in 6.B. you will pay us the difference if we ask for ig? = | Amount $0.00 sr Fi nance Charge $0.00) the actual payoff amount is less than the amount shown res a Total $ 0.00 Payable in N/A installments of we will refund to you any overage we receive from your prior = oe rs . lienholder or lessor. Subject to the NOTICE in the "Owner ~_ = a1 3 0.00 i $ 0.00 ; of lpan sbi pct enero Agreement" section of this Contract, any assignee of this 3 & © in item 6.D. of the Itemization of Amount Financed on Page @. ontract will not be obligated to pay the amoght shown in &%Bx = | Auto Broker Fee. any re Y & =| If the Vehicle is new, this transaction is not subject f on to a fee received by an auto broker from us unless this box is checked: 0 Name of auto broker receiving fee: N/A Z Retail Installment Contract-ca CA-103 7/1/2013 Bankers Systems TM Not for use in transactions secured by a dwelling. Wolters Kluwer Financial Services © 2009, 2010 Page 1 of 9 ibit_| 1.Cash Price Itemization ltemization of Amount Financed (Seller Paani Penta een nT to others.) A, Cash Price (excluding items 1.B to L.3) $ 6195.00 1. Cash Price of Vehicle $ 6195.00 2. Cash Price of Accessories $ 0.00 3. Other N/A § 0.00 N/A $ 0.00 B. Document Processing Charge (not a governmental fee) $ 80.00 C. Emissions Testing Charge (not a governmental fee) $ 50.00 D.1 (Optional) Theft Deterrent Device paid to $ 0.00 D.2 (Optional) Theft Deterrent Device paid to N/A $ 0.00 D.3 (Optional) Theft Deterrent Device paid to N/A $ 0.00 E.1 (Optional) Surface Protection Product paid to $ 0.00 E.2 (Optional) Surface Protection Product paid to $ 0.00 F, EV Charging Station paid to $ 0.00 G. Sales Tax (on taxable items in A through F.) $ 474.38 H. Electronic Vehicle Registration or Transfer Charge (not a governmental fee) paid to $ 0.00 1.1 (Optional) Service Contract paid to $ 0.00 1.2 (Optional) Service Contract paid to N/A $ 0.00 1.3 (Optional) Service Contract paid to N/A $ 0.00 1.4 (Optional) Service Contract paid to N/A $ 0.00 1.5 (Optional) Service Contract paid to N/A $ 0.00 J. Prior Credit or Lease Balance paid to (e) § 0.00 (see down payment and trade-in calculation) K. Optional Gap Waiver paid to Lobel Financial $ 495.00 L.1 (Optional) Used Vehicle Contract Canceliation Option Agreement $ 0.06 L.2 Other paid to N/A for N/A $ 0.00 L.3 Other paid to N/A for $ 0.00 M. Total Cash Price (A through L.3) $7294.38 (1) 2.Amounts Paid to Public Officials A. License Fees $_--s«d0.00 B. Registration/Transfer/Titling Fees $_--«0.00 C. California Tire Fees $0.00 D. Other $ 0.00 Total Official Fees (A through D) $0.00 (2) 3.Amount Paid to Insurance Companies (See Statement of Insurance, Totals (1) and (2)) $_--«0..00(3) 4.1%] State Emissions Certification Fee or |] State Exemption Fee (Paid to State) $_ «0.00 (4) 5.Subtotal (1 through 4) $7294.38 (5) 6.Total Downpayment A. Agreed Trade-In Value $s. 00 B. Less Prior Credit or Lease Balance (e) $0.00 C. Net Trade-In (A less B) (indicate if a negative number) $ 0.00 D. Deferred Downpayment $0.00 E. Manufacturer's Rebate $s -i0.00 F, Other $ 0.00 G. Cash $__ 1300.00. Total Downpayment (C through G) (If negative, enter zero on line 6 and enter the amount less than zero as a positive number on line 1.J. above) 7.Prepaid Finance Charge 8.Amount Financed (5 less 6 and 7) $___ 1300.00 (6) $ 0.00 (7) $ 5994.38 (8) wa Retail Installment Contract-CA CA-103 7/1 120 1 3 ; Bankers Systems TM Not for use in transactions secured by a dwelling. Wolters Kluwer Financial Services © 2009, 2010 Page 2 of 9 pepe 7/1/2013 RSPICua a ee NOTICE. No person is required as a condition precedent to financing the purchase of an automobile that any insurance be negotiated or purchased through a particular insurance agent or roker, You must insure the Vehicle and other property securing this Contract. See the "Property Insurance" section on Page 5 of this Contract. You are not required to provide any other insurance. Property Insurance Term Premium $ 0.00 Ded. Comp., Fire & Theft N/A Mos.$ N/A $ 0.00 Ded. Collision N/A Mos.$ N/A Bodily Injury $ N/A limits N/A Mos.$ N/A Property Damage $ N/A limits N/A Mos.$ N/A Medical N/A N/A Mos.§ N/A N/A N/A Mos.$ 0.00 Total Property Insurance Premiums $ 0.00 (1) UNLESS A CHARGE IS INCLUDED IN THIS AGREEMENT FOR PUBLIC LIABILITY OR PROPERTY DAMAGE INSURANCE, PAYMENT FOR SUCH COVERAGE IS NOT PROVIDED BY THIS AGREEMENT. You may buy the required Prgperty Insurance from any company reasonébly acceptabl yy us. // Buye LUN Ay Ka Co-Bu ! rrr oe Seller yk Ou LN If you purchase any optional credit insurance, then policies or certificates from the insurer will describe the terms and ee CVIIUILIVIio. Application for Optional Credit Insurance CO Credit life: () Buyer [J Co-Buyer () Joint 0 Credit disability (Buyer) Term Exp. Premium Credit life: N/A. Mos. N/A $ 0.00 Credit disability: N/A Mos. N/A $ 0.00 Total credit insurance premiums $ 0.00 (2) Name of insurance company N/A N/A Address (home office) N/A N/A Credit insurance is not required to obtain credit and is not a factor in our credit decision. We will not provide it unless you sign and agree to pay the additional premium. If you want such insurance, we will obtain it for you (if you qualify for coverage). We have quoted above ONLY the coverages you have chosen to purchase. You are applying for the credit insurance marked above. Your signature below means that you agree that: 1. You are not eligible for insurance if you have reached your 65th birthday. 2. You are not eligible for disability insurance unless you are working at least 30 hours a week for wages or profit on the Effective Date. 3. Only the Buyer, not the Co-Buyer, is eligible for disability insurance. DISABILITY INSURANCE MAY NOT COVER CONDITIONS FOR WHICH YOU HAVE SEEN A DOCTOR OR CHIROPRACTOR IN THE LAST 6 MONTHS. REFER TO THE "TOTAL DISABILITIES NOT COVERED" SECTION IN YOUR POLICY FOR DETAILS. Sign if you want to buy credit insurance. THE MINIMUM PUBLIC LIABILITY INSURANCE LIMITS PROVIDED IN LAW MUST BE MET BY EVERY PERSON WHO PURCHASES A VEHICLE. IF YOU ARE UNSURE WHETHER OR NOT YOUR CURRENT INSURANCE POLICY WILL COVER YOUR NEWLY ACQUIRED VEHICLE IN THE EVENT OF AN ACCIDENT, YOU SHOULD CONTACT YOUR INSURANCE AGENT. WARNING: YOUR PRESENT POLICY MAY NOT COVER COLLISION DAMAGE OR MAY NOT PROVIDE FOR FULL REPLACEMENT COSTS FOR THE VEHICLE BEING PURCHASED. IF YOU DO NOT HAVE FULL COVERAGE, SUPPLEMENTAL COVERAGE FOR COLLISION DAMAGE MAY BE AVAILABLE TO YOU THROUGH YOUR INSURANCE AGENT OR THROUGH THE SELLING DEALER. HOWEVER, UNLESS OTHERWISE SPECIFIED, THE COVERAGE YOU OBTAIN THROUGH THE DEALER PROTECTS ONLY THE DEALER, USUALLY UP TO THE AMOUNT OF THE UNPAID BALANCE REMAINING AFTER THE VEHICLE HAS BEEN REPOSSESSED AND SOLD. FOR ADVICE ON FULL COVERAGE THAT WILL PROTECT YOU IN THE EVENT OF LOSS OR DAMAGE TO YOUR VEHICLE, YOU SHOULD CONTACT YOUR INSURANCE AGENT. Additional Protections You may buy or decline the following Gap Waiver (debt cancellation agreement) or any of the following service contracts. They are not required to obtain credit, are not a factor in the credit decision, and are not a factor in the terms of the credit or the related sale of the Vehicle. These voluntary protections will not be provided unless you sign and agree to pay the additional cost. Your signature below means that you want the described item and that you have received and reviewed a copy of the contract(s) for the product(s). If no charge is given for an item, you have declined to purchase any such item. References to "41.11." to "1.1.5." and "1.K." below are to the Itemization of Amount Financed on Page 2 of this Contract. Service Contracts Company Term Price N/A N/A/ See 1.1.1 N/A N/A See 1.1.2 N/A N/A See 1.1.3 N/A N/A See 1.1.4 N/A, An NIA AH See 1.1.5 Buye Gap Waiver Term 31 Price $ ___See 1.K. _ See Gap Waiver (no Retail Instaliment Contract-CA CA- 1 0 3 7/1 {20 1 3 Bankers Systems TM Not for use in transactions secured by a dwelling. Wolters Kluwer Financial Services © 2009, 2010 AZCA 7/1/2013 Page 3 of 9 ETT eee a cl ica ae ie Agreement Finance Charge and Payments. You agree to pay the Amount Financed and Finance Charge as provided in the Payment Schedule in the TRUTH-IN-LENDING DISCLOSURE on Page 1 of this Contract. You also agree to pay the Late Charge described on Page 1, and aii other amounts required under this Contract. Finance Charge will be computed each day. Finance Charge is computed at the Annual Percentage Rate shown on Page 1 of this Contract. We may apply each payment to the Finance Charge, the unpaid part of the Amount Financed, and other amounts due under this Contract in any order we choose. Security. To secure your payment and performance under the terms of this Contract, you give us a security interest in the Vehicle, all accessions, attachments, accessories, and equipment placed in or on the Vehicle, and all proceeds. You also assign to us and give us a security interest in proceeds and refunds under any insurance policy, service contract or other contract purchased with this Contract as the law allows. General Terms. You have been given the opportunity to purchase the Vehicle and described services for the Total Cash Price or the Total Sale Price. The Total Sale Price is the total price of the Vehicle and any services if you buy them over time. You chose to purchase the Vehicle and services over time. The Total Sale Price shown in the TRUTH-IN-LENDING DISCLOSURE assumes that all payments will be made as scheduled. The actual amount you will pay will be more if you pay late and less if you pay early. We do not intend to charge or collect, and you do not agree to pay, any finance charge or fee that is more than the maximum amount permitted for this sale by state or federal law. If you pay a finance charge or fee that is contrary to this provision, we will, instead, apply it first to reduce the Amount Financed balance, and when the Amount Financed has been paid in full, refund it to you. You understand and agree that we (or our affiliate) will earn commissions or fees on any insurance products, and may earn such fees on other goods and services that you buy through us or our affiliate. If any section or provision of this Contract is not enforceable, the other terms will remain part of this Contract. The jaw of Caiifornia wiii govern this transaction. Applicabie federal law and regulations also govern it. The entire agreement between you and us is contained in this Contract. There are no unwritten agreements regarding this Contract. Any change to this Contract must be in writing and signed by you and us. Name and Location. Your name and address indicated on Page 1 are your exact legal name and your principal residence. You will provide us with at least 30 days’ notice prior to changing your name or principal residence. You agree that the Vehicle will not be used as a dwelling. Prepayment. You may prepay this Contract in full or in part at any time without penalty. Any partial prepayment will not excuse any later scheduled payments. If we get a refund of any unearned insurance premiums that you paid, you agree that we may subtract the refund from the amount you owe, unless otherwise provided by law. Retail Instalirnent Contract-CA CA-103 7/1 {20 1 3 Bankers Systems 7M Not for use in transactions secured by a dwelling. Wolters Kluwer Financial Services © 2009, 2010 Ownership and Duties Toward Vehicle. By giving us a security interest in the Vehicle, you represent and agree to the following: A. The security interest you are giving us in the Vehicle and other property comes ahead of the claim of any other of your general or secured creditors. You agree to sign any additional documents or provide us with any additional information we may require to keep our claim to the Vehicle and other pronerty ahead of the claim of anyone else. You will not do anything to change our interest in the Vehicle and other property. B. You will defend our interests in the Vehicle and other property against claims made by anyone else. You will do whatever is necessary to keep our claim to the Vehicle and other property ahead of the claim of anyone else. C. You will keep the Vehicle in your possession in good condition and repair. You will use the Vehicle for its intended and lawful purposes. You agree not to remove the Vehicle from the U.S. or Canada, or to sell, rent, lease, or transfer any interest in the Vehicle or this Contract without our written permission. You agree to keep the Vehicle free from seizure, confiscation, or involuntary transfer. Unless otherwise agreed in writing, the Vehicle will be located primarily at your address listed on Page1 of this Contract. D. You will pay all taxes and assessments on the Vehicle as they become due. E. You will notify us of any loss or damage to the Vehicle. You will provide us reasonable access to the Vehicle for the purpose of inspection. Our entry and inspection must be accomplished lawfully, and without breaching the peace. Default. You will be in default on this Contract if any one of the following occurs (except as prohibited by law): A. You fail to perform any obligation that you have undertaken in this Contract. B. You become a debtor in any bankruptcy proceeding, or others take legal action to collect money or repossess the Vehicle from you. C. You fail to pay all you owe under this Contract if the Vehicie becomes a total loss or is missing or stolen, D. You give inaccurate, incomplete, or misleading information on your credit application or in this Contract (See the Information You Provide to Us section of this Contract). If you default, you agree to pay our costs for collecting amounts owing, including, without limitation, court costs, attorneys’ fees, and fees for repossession, repair, storage and sale of the Vehicle securing this Contract. If an event of default occurs as to any one of you, we may exercise our remedies against any or all of you. Gap Liability Notice. In the event of theft or damage to your Vehicle that results in a total loss, there may be a gap between the amount you owe under this Contract and the proceeds of your insurance settlement and deductible. THIS CONTRACT PROVIDES THAT YOU ARE LIABLE FOR THE GAP AMOUNT. Optional Gap Waiver may be offered for an additional charge. Remedies. If you default on this Contract, we may exercise the remedies provided by law and this Contract subject to any right the law gives you to reinstate this Contract. Those remedies include: A. We may require you to immediately pay us, subject to any refund or reinstatement rights, the remaining unpaid balance of the Amount Financed, finance charges and all other agreed charges. B. We may pay taxes, assessments, or other liens or make repairs to the Vehicle if you have not done so. We are not required to do so. You will repay us that amount when we Q, RSSIM A 7/1/2013 Page 4 of 9 tell you to do so. That amount will earn finance charges from the date we pay it at the Annual Percentage Rate stated in the Truth-In-Lending Disclosure of this Contract, not to exceed the highest rate permitted by law. C. We may require you to make the Vehicle available to us at a place we designate that is reasonably convenient to you and us. D. We may immediately take possession of the Vehicle by legal process or self-help, but in doing so we may not breach the peace or unlawfully enter onto your premises. We may then sell the Vehicle and apply what we receive as provided by law to our reasonable expenses and then toward your obligations. Our reasonable expenses can include, among other things, costs of repossession, storage, sale preparation, and sale. E, If the Vehicle is repossessed, a total loss, confiscated or stolen, we may claim benefits under or cancel any insurance, maintenance, service, or other contract purchased under this Contract and use the resulting proceeds or refund of unearned charges to reduce what you owe under this Contract. F. Except when prohibited by law, we may sue you for remaining amounts if the proceeds of a sale do not pay all of the amounts you owe us. You will pay interest on these remaining amounts until paid at the Annual Percentage Rate shown on Page 1 of this Contract, not to exceed the highest rate permitted by law. By choosing any one or more of these remedies, we do not waive our right to later use another remedy. By deciding not to use any remedy, we do not give up our right to consider the event a default if it happens again. You agree that, subject to your right to recover such property, we may take possession of personal property left in or on the Vehicle securing this Contract and taken into possession as provided above. If the Vehicle has an electronic tracking device, you agree that we may use the device to find the Vehicle. Returned Check Charge. You may be liable for collection costs incurred in connection with this Contract. This includes a fee, not to exceed $15, for each check, share draft or negotiable order of withdrawal offered as payment that is returned dishonored by a depository institution. Property Insurance. You agree to buy property insurance on the Vehicle protecting against loss and physical damage and any such policy. In the event of loss or damage to the Vehicle, we may require additional security or assurances of payment before we allow insurance proceeds to be used to repair or replace the Vehicle. You agree that if the insurance proceeds do not cover the amounts you still owe us, you will pay the difference. You may purchase or provide the insurance through any insurance company reasonably acceptable to us. You will Keep the insurance in full force and effect uniil this Contract is paid in full. If you fail to obtain or maintain this insurance, or name us as a loss payee, we may obtain insurance to protect our interest in the Vehicle or, at our option, your and our interests in the Vehicle. This insurance may include coverages not required of you. This insurance may be written by a company other than one you would choose. It may be written at a rate higher than a rate you could obtain if you purchased the property insurance required by this Contract. We will add the premium for this insurance to the amount you owe us. Any amount we pay will be due immediately. This amount will earn finance charges from the date paid at the Annual Percentage Rate stated in the Truth-/n-Lending Disclosure of this Contract or, at our option, the highest rate the law permits. Retail Installment Contract-cA CA-103 7/1 120 13 Bankers Systems 1M Not for use in transactions secured by a dwelling. Wolters Kiuwer Financial Services © 2009, 2010 Obligations Independent. Each person who signs this Contract agrees to pay this Contract according to its terms. This means the following: A. You must pay this Contract even if someone else has also signed it. B. We may release any Co-Buyer or Guarantor and you will still be obligated to pay this Contract. C. We may release any security and you will still be obligated to pay this Contract. D. If we give up any of our rights, it will not affect your duty to pay this Contract. E. If we extend new credit, it will not affect your duty to pay this Contract. Teiephone Monitoring and Caliing. From tirne to time you agree we may monitor and record telephone calls made or received by us or our agents regarding your account to assure the quality of our service. In order for us to service the account or to collect any amounts you may owe, and subject to applicable law, you agree that we may from time to time make calls and send text messages to you using prerecorded/artificial voice messages or through the use of an automatic dialing device at any telephone number you provide to us in connection with your account, including a mobile telephone number that could result in charges to you. Information You Provide to Us. We have based our decision to enter into the Contract on the information you supplied in any credit applications and in this Contract, including the payoff amount on any trade-in. We relied on the information because you assured us it is accurate. You now repeat that assurance, and you warrant and represent as follows: @ All that information is accurate, complete and not misleading. @ You believe that information will remain correct and will not change. You have no reason to suspect otherwise. @ Unless you tell us in writing before you sign this Contract, Buyer and Co-Buyer will each use and own the Vehicle, even if that is not shown on the vehicle title. You will provide us with documents and other information we request to verify that any items of that information are correct. Our Warranties: UNLESS WE AS SELLER. IN A SALE FOR PERSONAL USE, EITHER EXTEND A WRITTEN WARRANTY OR SERVICE CONTRACT WITHIN 90 DAYS OF THE DATE OF THIS CONTRACT, OR SELL THE VEHICLE WITH A WRITTEN WARRANTY, THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, CONCERNING THE VEHICLE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. This provision does not affect any warranties of the Vehicle provided by the vehicle manufacturer. If the Vehicle was sold as a certified used vehicle, the warranty of merchantability is not disclaimed. Claim Procedure If you have purchased credit disability insurance in connection with this Contract, the following claim procedure applies. fh Rss| LYAZCA 7/1/2013 Page 5 of 9 If you become disabled, tell us (your creditor) right away. (We advise you to send this information to the same address to which you are normally required to send your payments, unless a different address or telephone number is given to you in writing by us as the location where we would like to be notified.) We will tell you where to get claim forms. Send in the compieted form to the insurance company as soon as possible and tell us as soon as you do. If your disability insurance covers all of your missed payments, WE CANNOT TRY TO COLLECT WHAT YOU OWE OR FORECLOSE UPON OR REPOSSESS ANY COLLATERAL UNTIL THREE CALENDAR MONTHS AFTER your first missed payment is due or until the insurance company pays or rejects your claim, whichever comes first. We can, however, try to collect, foreclose, or repossess if you have money due and owing us or are otherwise in default when your disability claim is made or if a senior mortgage or lien holder is foreclosing. If the insurance company pays the claim within the three calendar months, we must accept the money as though you paid on time. If the insurance company rejects the claim within the three calendar months or accepts the claim within the three calendar months as a partial disability and pays less than for a total disability, you will have 35 days from the date that the rejection or the acceptance of the partial disability claim is sent to pay past due payments, or the difference between past due payments and what the insurance company pays for the partial disability, plus late charges. You can contact us, and we will tell you how much you owe. After that time, we can take action to collect or foreclose or repossess any collateral you may have given. If the insurance company accepts your claim but requires that you send in additional forms to remain eligible for continued payments, you should send in these completed additional forms no later than required. If you do not send in these forms on time, the insurance company may stop paying, and we will then be able to take action to coilect or foreclose or repossess any collateral you may have given. Owner Agreement In this section only, "you" means only the person signing this section. By signing below you agjee to give us a secuiity interest in the Property described in the Description of Property section. You also agree to the terms of this Contract except that you will not be liable for the payments it requires. Your Interest in the Property may be used to satisfy the Buyer's obligation. You agree that we may renew, extend or change this Contract, or release any party or Property without releasing you from this Contract. We may take these steps without notice or demand upon you. You acknowledge receipt of a completed copy of this Contract. By: Date Note: If the primary use of the Vehicle is not personal, family or household use, then this is not a consumer contract, and the following notice does not apply. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. Used Car Buyer's Guide Used Car Buyer's Guide. The information you see on the window form for this Vehicle is part of this Contract. Information on the window form overrides any contrary provisions in the contract of sale. Guia para compradors de vehiculos usados Guia para compradors de vehiculos usados. La informacién que aparece en la ventanilla de este vehiculo forma parte de este contrato. La informacién contenida en el formulario de la ventanilla anula cualquier estipulacién que establezca lo contrario y que aparezca en el contrato de venta. Wve elie em eA ATOLL Arbitration Provision. PLEASE READ CAREFULLY! By agreeing to this arbitration provision you are giving up your right to go to court for claims and disputes arising from this Contract: @ EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN YOU AND US DECIDED BY ARBITRATION, AND NOT BY A COURT OR BY JURY TRIAL. @ YOU GIVE UP ANY RIGHT THAT YOU MAY HAVE TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN ANY CLASS ACTION OR CLASS ARBITRATION AGAINST US IF A DISPUTE IS ARBITRATED. @ IN ARBITRATION, DISCOVERY AND RIGHTS TO APPEAL ARE GENERALLY MORE LIMITED THAN IN A JUDICIAL PROCEEDING, AND OTHER RIGHTS THAT YOU WOULD HAVE IN COURT MAY NOT BE AVAILABLE. You or we (including any assignee) may elect to resolve any Claim by neutral, binding arbitration and not by a court action. "C/aim" means any claim, dispute or controversy between you and us or our employees, agents, successors, assigns or affiliates arising from or relating to: the credit application; the purchase of the Property; the condition of the Property; this Contract; any insurance, maintenance, service or other contracts you purchased in connection with this Contract; or 6. any related transaction, occurrence or relationship. O R O N > This includes any Claim based on common or constitutional law, contract, tort, statute, regulation, or other ground. To the extent allowed by law, the validity, scope, and interpretation of this arbitration provision are to be decided by neutral, binding arbitration. If either party elects to resolve a Claim through arbitration, you and we agree that no trial by jury or other judicial proceeding will take place. Rather, the Claim will be arbitrated on an individual basis, and not on a class or representative basis. The party electing arbitration may choose any of the following arbitration organizations and its applicable rules, provided it is willing and able to handle the arbitration: American Arbitration Association, 1633 Broadway, Floor 10, New York, " 10019 Retail Installment Contract-CA Cc A- 1 03 7{1/20 1 3 Bankers Systems TM Not for use in transactions secured by a dwelling. Wolters Kluwer Financial Services © 2009, 2010 RSsI F 7/1/2013 Page 6 of 9 (www.adr.org); JAMS, 1920 Main Street, Suite 300, Irvine CA 92614 (www.jamsadr.com); or National Arbitration and Mediation (NAM), 990 Stewart Ave., Garden City, NY 11530 (www.namadr.com). You may get a copy of the applicable rules of these organizations by contacting them or visiting their websites. If the chosen arbitration organization's rules conflict with this arbitration provision, then the terms of this arbitration provision will govern the Claim. However, to address a conflict with the selected arbitration organization's rules, the parties may agree to change the terms of this arbitration provision by written amendment signed by the parties. If none of these arbitration organizations is willing or able to handle the arbitration, the arbitrator can be selected pursuant to 9 U.S.C. Sections 5 and 6. The arbitration hearing will be carried out in the federal district where you reside, unless you and we otherwise agree. Or, if you and we consent, the arbitration hearing can be by telephone. The arbitration filing fee, arbitrator's compensation and other arbitration costs will be paid in the amounts and by the parties according to the rules of the chosen arbitration organization. Some arbitration organizations’ rules require us to pay most or all of these amounts. If the rules of the chosen arbitration organization do not specify how fees must be allocated, we will pay the filing fee, arbitrator's compensation, and other arbitration costs up to $5,000, unless the law requires us to pay more. Each party is responsible for the fees of its own attorneys, witnesses, and any related costs, if any, that it incurs to prepare and present its Claim or response. In limited circumstances, the arbitrator may have the authority to award payment of certain arbitration costs or fees to a party, but only if the law and arbitration organization rules allow it. An arbitrator must be a lawyer with at least ten {10) years experience and familiar with consumer credit law or a retired state or federal court judge. Except as provided below, the arbitration will be by a single arbitrator. In making an award, an arbitrator shall follow governing substantive law and any applicable statute of limitations. The arbitrator will decide any dispute regarding the arbitrability of a Claim. An arbitrator has the authority to order specific performance, compensatory damages, punitive damages, and any other relief allowed by applicable law. An arbitrator's authority to make awards is limited to awards to you or us alone. Furthermore, Claims brought by you against us, or by us against you, may not be joined or consolidated in arbitration with claims brought by or against someone other than you, unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Any arbitration award shall be in writing, shall include a written reasoned opinion, and will be final and binding subject only to any right to appeal under the Federal Arbitration Act ("FAA"), 9 U.S.C. Sections 1, et seq. Any court having jurisdiction can enforce a final arbitration award. You or we can do the following without giving up the right to require arbitration: @ Seek remedies in small claims court for Claims within the small claims court's jurisdiction, or @ Seek judicial provisional remedies. If a party does not exercise the right to elect arbitration in connection with any particular Claim, that party still can require arbitration in connection with any other Claim. This arbitration provision survives any (i) termination, payoff. assignment or transfer of this Contract, [ii) any legal proceeding by you or us to collect a debt owed by the other, and (iii) any bankruptcy proceeding in which you or we are the debtor. Retail Installment Contract-CA Cc A- 1 0 3 7! 1 {20 1 3 Bankers Systems 1 Not for use in transactions secured by a dwelling. Wolters Kluwer Financial Services © 2009, 2010 With but one exception, if any part of this arbitration provision is deemed or found to be unenforceable for any reason, the remainder of this arbitration provision will remain in full force and effect. The one exception is that, if a finding of partial unenforceability would allow arbitration to proceed on a class-wide basis then this arbitration provision will be unenforceable in its entirety. You and we expressly agree that this arbitration provision is governed by the FAA to the exclusion of any different or inconsistent state or local law. By signing this Contract you are agreeing to the terms of this arbitration provision, unless you reject it as provided in the next paragraph. Caution: It is important that you read this arbitration provision thoroughly before you sign this Contract. By signing this Contract, you are acknowledging that you have read and understand this arbitration provision. If you do not understand something in this arbitration provision, do not sign this Contract; instead ask your lawyer. You can reject this arbitration provision by checking the box in the Rejection of Arbitration section of this Contract before you sign this Contract. If you do so, this arbitration provision will not be a part of this Contract, but all the rest of this Contract will continue to be binding and effective. Right of Seller to Cancel If you sign the Right of Seller to Cancel in the Signatures section of this Contract, you agree to the following: @ You acknowledge that it may take a few days for the Seller to verify your credit and assign the Contract to a financial institution. @ If the Seller is unable to get a financial institution it regularly does business with to accept an assignment of the Contract on terms that are satisfactory to the Seller, the Seller may elect to cancel (rescind) the Contract by giving you a notice of cancellation within 10 days after the date you signed this Contract. @ Upon receipt of a notice of the cancellation within 10 days after you signed this Contract, you agree to immediately return the Vehicie to the Seller free of aii iiens apart from this Contract in the same condition as it was in when you received it, except for reasonable wear and tear. @ After you return the Vehicle, the Seller agrees to return to you any trade-in vehicle and all amounts you paid to the Seller under this Contract. @ You agree that, if you do not immediately return the Vehicle to the Seller, the Seller will be entitled to recover all amounts you owe the Seller under this Contract to the extent permitted by law. @ You also agree that, if you do not immediately return the Vehicle to the Seller, the Seller will be entitled to repossess the Vehicle, and you will pay the Seller all its expenses (including attorneys’ fees) incurred in repossessing the Vehicle, to the extent permitted by law. @ You agree that, until the Seller receives the Vehicle back from you, you will continue to have all the Buyer's obligations under this Contract, including, but not limited to, the provisions regarding insurance and use of the Vehicle; you will have all the risk of loss or damage to the Vehicle; and you will be responsible for any injuries or property damage caused by use of the Vehicle. @ You agree that if the Vehicle is damaged before it is returned to the Seller you will pay the Seller the cost of repairing it. @ You agree that the provisions of this Right of Seller to Cancel will continue to be effective even after this contract is cancelled. / RSSI 7/1/2013 Page 7 of 9 Additional Important Notices Toe Notice of Complaints. If you have a complaint concerning this sale, you should try to resolve it with the seller. Complaints concerning unfair or deceptive practices or methods by the seller may be referred to the city attorney, the district attorney, or an investigator for the Department of Motor Vehicles. or any combination thereof. After this contract is signed, the seller may not change the financing or payment terms unless you agree in writing to the change. You do not have to agree to any change, and it is an unfair or deceptive practice for th¢ seller ake a unilateral ad Waiver of Confidentiality. California Vehicle Code Section 1808.21 provides, among other things, that your resident address in any record of the California Department of Motor Vehicies is confidential. You waive this provision and authorize the California Department of Motor Vehicles to furnish your residence address Notice To Buyer. (1) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. (2) You are entitled to a completely filled-in copy of this agreement. (3) You can prepay the full amount due under this agreement at any time. (4) If you default in the performance of your obligations under this agreement, the vehicle may be repossessed and you may be subject to suit and liability for the unpaid indebtedness evidenced by this agreement. (1 ff this box is checked, you will owe no Finance Charge if you pay the Amount Financed on or before (date) Seller's initials Arbitration. This Contract contains an Arbitration Provision that affects your rights. The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this Contract and retain its right to receive a part of the Finance Charge. Retail Installment Contract-CA CA- 1 0 3 7] 1 120 1 3 Bankers Systems TM Not for use in transactions secured by a dwelling. Wolters Kluwer Financial Services © 2009, 2010 you and our authorized representative. Oral cha Changes to this Contract must be in writing and-si binding. Right of Seller to Cancel. By signing below, you agree that the Right of Seller to Cancel section of this Contract will apply. This eright to cancel WwW ract if we are ~ C N You agree to the terms of this Contract. By signing below, you become legally obligated to perform the terms of this Contract and acknowledge that (1) before you signed it, we gave you the completely filled-in Contract and you had a chance to take it and thoroughly read and review it, and (2) you received a completely filled-in copy of the Contract. THERE IS NO COOLING OFF PERIOD UNLESS YOU OBTAIN A CONTRACT CANCELLATION OPTION. California law does not provide for a “cooling off" or other cancellation period for vehicle sales. Therefore, you cannot later cancel this contract simply because you change your mind, decide the vehicle costs too much, or you wish you had acquired a different vehicle. After you sign below, you may only cancel this contract with the agreement of the seller or for legal cause, such as fraud. However, California law does require a seller to offer a two-day contract cancellation option on used vehicles with a purchase price of less than forty thousand dollars ($40,000), subject to certain statutory conditions. This contract cancellation option requirement does not apply to the sale of a recreational vehicle, a motorcycle or an off-highway motor vehicle subject to identification under California law. See the vehicle contract cancellation option agreement for details. Seller ) holla “Tava - By: BRENDA BORBOA RSSI 11/03/2014 Date Z AZGA 7/1/2013 Page 8 of 9 ASSIGNMENT: This Contract and Security Agreement is assigned to Lobel Financial 2 , the Assignee, phone 714-995-3333 . This assignment is made under the terms of a separate agreement made between the Seller and Assignee. This Assignment is made with recourse. Seller Dyn Catone we) By BRENDA BORBOA ‘Date L {NANCIA ON ea, oA,92808:8000 Retail Installment Contract-cA CA-103 7/1/2013 Bankers Systems TM Not for use in transactions secured by a dwelling. Wolters Kluwer Financial Services © 2009, 2010 RSSIMVLFAZGA 7/1/2013 Page 9 of 9 LOBEL FINANCIAL : Loss Damage Waiver _ Renuncia de los Dafios Pérdidos Damage Repair Program Programa de Reparacién de Dafios THIS IS NOT AN INSURANCE POLICY ESTO NO ES UNA POLIZA DE SEGUROS HIS IS A LOSS DAMAGE WAIVER AGREEMENT NOT AN INSURANCE POLICY. THIS AGREEMENT PROTECTS THE IENHOLDER 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. ESTO ES UN ACUERDO DE LA RENUNCIA DE LOS DANOS PERDIDOS NO UNA POLIZA DE SEGURO. ESTE ACUERDO PROTEGE EL INTERES DE LOBEL FINANCIAL COMO SOSTENEDOR DEL EMBARGO PREVENTIVO DE SU VEHICULO Y RENUNCIA EL REQUISITO DE PROPORCIONAR COBERTURA COMPRENSIVA Y DE COLISION. ESTE ACUERDO NO PROPORCIONA RESPONSABILIDAD CORPORAL DE LESION O DE LOS DANOS MATERIALES. ESTE ACUERDO NO SE CONFORMA CON NINGUNA RESPONSABILIDAD FINANCIERA DE LA LEY, NINGUNA LEY DE SEGURO DE LA AVERIA 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 ANAGABRIEL TZINZUN GABRIEL TZINZUN and (Buyer #1) Print Name and (Buyer #2) Print Name Y (Comprador #1) Imprima Nombre Y (Comprador #2) Imprima Nombre Motor Vehicle Description : Descripcién Del Vehiculo 2003 AUDI ALLROAD_ |} WA1YD64B23N047490 Year Make Model VIN # Afio Marca Modelo Loss Damage Waiver (LDW) Monthly Payment Amount: $155.00 Cuota de la renuncia de los Dafios Pérdidos : 1 of 4 Exhibit|p. Lobel Financial: Original (Bank Copy) p go Zz (Adog yueg) TeuthStzQ :TepoueuTa Teqot ‘opzenoe 3389 ep etdoo eun ep oqyoer Te s00u0DeZ pEezsN eqTrzre OpueUTTy requet{o -quoweezbe sty zo Adoo e zo ydtesez ehpeTMouxoe no& saoqe Butubts Ag :2z euioqsnd eyoagd a ied vLOZ/LO/1 1 eyoo7z e7e0 VLO?/LO/LL *ePQUaA Op O2P7TUOD Tap obed Tap exrnjOeJ PT & SOPIpIed soueg SOT ap eTOUNUSY BT ap O3S0D Ta reberhe aztwired & oj9asza ezeuoz euezboid ajysa anb ua auatauoo zopezduog fTa ‘TeToueuty TeqoyT e ornbas ap eTqejzdeoe eqenizd eun euorotodozd ou o ‘atqezdese omnbas ap einzreqoo eun suaTjueU ou zoperduioj Ta ’e}UaA ep O7eT}UOD |a}Sa Op OSINo Ta ajUueINp OJZUEWOW TaTNbTenod ua TS "TeTOUPUTY TEeqOT ap soprpzeg soueg sot ap erounuey eT rerdwoo ebrTe ejuew us ojsa uoo & soptpred souep sot ap erounuey ap opzanoe aqysa ue sepTuazUOD sasuoToOTpuoo 4 soutuza} sot sopoz eB aszteht-Tqo ua auatauoo A apuazduoo ‘ojuUauNnDOp asa ap sopeT SOP SOT OPTeT reqey so0u02az ropezrduoyn Te ‘oleqe zeWwITI Ty “eQTATe epeoTpuT Tensusw PjonD et rehbed we opehttqo eras ou ‘arqejdeoe oznbas ep eqeanzd eun opeuorozodozd e Toppiduog Ta TS ‘eqrTztTe PpeEOTPuI soptpzsg souePq ap PTOUNUaY PT ap PFTIPQ PT zehed ezeqap zoperduop Ta ‘/ornbas ap eqanzd eun opeuotozodozd e& ou zopezduop Ta TS OLNAIWIOONOIOGY Ad OSIAW *quewAed joez7,U0D ATeSs JUSeWTTeISUT TTeqIeT (s)zaAng OF ZaATeM ebeweq ssoy ay Fo 4SOO SyA ppe OF TeTOUeUTY [TeqoT SMOTTeS AT pue Yooszo oyxeQ TTeus Jaatem eheweq ssoy styuq yeu seerhe (s)zeAng ‘TeTOUeUTY Teqo]T oj soueANsuT yons JO jyooad aytqejdeooe eptaorad 03 sTtez Jo shersvn0d soueansut setTqejdsooe utejutew OF s{tez (S)zeAng /’3o0e14UOD STes JUSsUITTeISUT TTe}JeA Sy FO wrz9q Vu Hutanp suty Aue je jt *TeTOUeUTY TEeqGOT worsZ ATSATEM abeweqg ssoy e sseyound Of SjosTS PUTW UT STU YITM pue JusweerHy Teatem shHewed ssOJT Sty} UT peuTe UCD suOT ATpuOD pue suz3sq dsyuqR JO yore Aq punog eq Oj seerbe puP spueystepun ‘juswnoop sty JO septs yj0q pear HhuTAey seHhpetTmouyoe (s)zeAng ‘motTaq Bbutubts Ag *‘eaoqe pa STT 207 TeaATem shHeweq ssoq ayq Aed 04 peaAtnbez you st (s)aakng ‘goueinsut jo jyoord ajtqejydesse paptaoid sey (s)zedAng JY ‘SsAOge PS ASTT seq TSATeM abewueq ssot ayy Aed Asnu (s)z9Ang ‘eduezNsut Jo jyoord paptaorad jou sey (s)xzeAng JI LNGNASDCAIMONAOW JO AZOILON 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 Less 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 vehiculo y tiene un contrato de venta. £2 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 Daiios Pérdidos y renunciar el requisito de que el Comprador presente evidencia de seguro conforme el contrato. En consideracidn de la compra de la Renuncia de Daftos Pérdidos Lobel Financial conviene asumir el riesgo de pérdida al vehiculo, bajo les 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; all past due payments; interest in arrears through the date of loss; all past due Loss Damage Waiver fees; ail 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 Financial will waive any contractual balance not satisfied by Buyer’s insurance, after Lobe] 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. 5. 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 VEHICULO 1, El Comprador notificard 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, entonces la fecha de pérdida serd la fecha que Lobel Financial recibe el aviso. $1 Lobel Financial no recibe notificacidn dentro de 45 dias de la fecha de la pérdida la cobertura sera negada. 2. En caso de una pérdida o dafio al vehiculo , Lobel Financial determinard si el vehiculo es reparable o es una pérdida total. Un vehiculo seré juzgado una pérdida total cuando el estimado costo de la reparacidn del vehiculo excede el saldo restante debido a Lobel Financial en el contrato de venta o el estimado costo de la reparacidon excede el valor actual del vehiculo. El derecho de reparar el vehiculo o de declarar una pérdida total seré de Lobel Financial exclusivamente. Todos los reclamos son sujetos a un deducible de $500. 3. $1 Lobel Financial declara el vehiculo una pérdida total, cualquier saldo debido por el Comprador a Lobel Financial pajo 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 Dafos Pérdidos; todo cargo atrasado; todos los honorarios legales o de coleccidn o de reposesidén; 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 vehiculo dafiado. El saldo del contrato no serd juzgado satisfecho hasta que todas las tarafas y cargos mencionados sean totalmente jados. = 4. En caso de una pérdida total, la Renuncia de Dafios Pérdidos es secundaria a cualquier cobertura de seguro existente que el Comprador tenga en efecto. Lobel Financial renunciara cualquier saldo restante bajo el contrato 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 o remolque en exceso de $150 relacionado con la ocurrencia de los datos y tarifas de rescate o salvamento del vehiculo dafiado. 5, Si ocurren dafios o pérdidas y el saldo pendiente del contrato se considera satisfecho de acuerdo con el pérrafo (3) arriba, el Comprador reconoce que Lobel Financial no tendrdé ninguna otra obligacién al comprador més alld de cumplir con los términos y las condiciones de esta Renuncia de Dafios Perdidos. ; 6. 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YITM Pur JUMOUR ue UT eTOTY@A AOJOW ayy UO BOURANSUT UTeIGO zeXng PInoUs *g *JOe73UOD OTes JUSWTTeISUT [TTeIea Ss,aadng Jo AUeuAeduOU Az0J passessoder usvEeq PREY sTOTUaA zojOW Byz JT Se owes ay dq TTeUS sqYyhtz s,zeAng pue ‘met aTqeottTdde yItIm souvTTduoo ut pejonpuoo aq TTeys uoTStaoad stu 3zSpuN aTOTYaA JoOJOW |YW JO uoTsSessode1 Auy '1eATeM Obeueq ssOT ay} JO Olep BATIO9ITS Buy 01 AOTAd gindD0 AUEpToOR Ue (9) /passoessodez ST BTOTYSA AOJOW SY (q) /3a7I ABATeM ebeweg sso7 aya 20 sjusuAed [enJoRIUOD UO erOW AO Shep OL Aq UONbuTTEP sauosaq JeAng (ve) J} pepuedsns oq TTeYys Jepunezsy suoT ebtTqO s,TeTOURUTZ TeqoT pue JaaTeM abeueg ssoq sty} Teoueo Aew TeTOUeUTE Taqoy "4 NOILWTTHONWO im =~ Date of Notice and Mailing: February 20, 2017 (FIRST CLASS) Account No: 488031 From: LOBEL FINANCIAL Holder of Contract and Legal Owner of Motor Vehicle - 1150 N. MAGNOLIA AVE. mm Seen eaed Pea ANAHEIM, CA 92801-2605 714-995-3333 ANAGABRIEL P TZINTZUN Person(s) Liable on Contract - Debtor(s) - Obligor 6133 WOODSIDE DR ROCKLIN, CA 95677 NOTICE OF OUR PLAN TO SELL PROPERTY California Commercial Code 9613, 9614, 9623 Subject: Motor Vehicle Retail Conditional Sale Contract Dated November 3, 2014 Motor Vehicle (“Vehicle”) Collateral: 03 AUDI ALLROAD VIN: WA1YD64B23N047490, Lic: 6KMX509 We have your 03 AUDI ALLROAD VIN: WA1YD64B23N047490, Lic: 6KMX509 because you broke promises in our agreement. We will sell the 03 AUDI ALLROAD VIN: WA1YD64B23N047490, Lic: 6KMX509 at private sale sometime after March 7, 2017. 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 03 AUDI ALLROAD VIN: WA1YD64B23N047490, Lic: 6KMX509 or who owe money under your agreement: Gabriel C Tzinzun 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 keep the Vehicle free from encumbrances and liens. Failure to keep and maintain insurance on the Vehicle. = Failure to make payment(s) due under the contract. You voluntarily surrendered the Vehicle. Xk) 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 Lobel Financial, Attention: Repossession Department at 1150 N. Magnolia Ave. Anaheim, CA 92801. Pay the Total Amount Now Due Past Due Payments $ 1,350.77 Encumbrance and Lien Expense + §$ 0.00 Repossession Fee + §$ 650.00 Total Amount Now Due = $ 2,000.77 Continued on Rear Exhibit A_ ayeq ainyeuBbis Lesser ON JUNODOY OWeN JINOA jeisueuly jeqo] Of ‘gonou JoyyNy nou Shep OF JO} ‘ajo1ye/ JNOA Weepel oj JO WYSI Jey) eAeY NOA J! ‘JO RNUOD 94} B}e}SUISJ O} SLU! OU} pue ajoiye, aly Jo afes au} ‘Puayxe j[IM 9M ‘(RILJOJ|2D JO apis}no S| JOejUOD OU} UO B IdeIl suosied aj jo Aue jo sseuppe QU} JO BIUJOJJED JO Sp!s}NO Pale SI BORON Sit) J} sep QZ) SOON SI¥} J O BJep Bj JO skep Gl} ulm jsenbey sit} aAle094 am j} L08Z6 WO ‘wieyeuy “ory eouBey ‘N OSL} juewyedeq uoissessoday :uojuap y ‘jeloueul4 jeqo7 0} paysenbai jdie001 winjas ‘ew pasaysiBa: Jo payyieo Aq sn 0} jy! puas JO sn uO ysanbey siyj aries Ajjeuosiad Jeuye ysnwu NO, BINIL 4O NOISNS.LXS NV LSANOSY OL LHS ‘juawuBpnf jo Aqua jo ayep a4} 0} ajoiya/ au} Jo UORIsodsip JO yep aU] WOY ‘jSoJa}U! JO aYeJ JOBIUOD OU SI BAU} J! 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MAGNOLIA AVE. ANAHEIM, CA 92801-2605 714-995-3333 GABRIEL C TZINZUN Person(s) Liable on Contract - Debtor(s) - Obligor 6133 WOODSIDE DR ROCKLIN, CA 95677 NOTICE OF OUR PLAN TO SELL PROPERTY California Commercial Code 9613, 9614, 9623 Subject: Motor Vehicle Retail Conditional Sale Contract Dated November 3, 2014 Motor Vehicle (“Vehicle”) Collateral: 03 AUDI ALLROAD VIN: WA1YD64B23N047490, Lic: 6KMX509 We have your 03 AUDI ALLROAD VIN: WA1YD64B23N047490, Lic: 6KMX509 because you broke promises in our agreement. We will sell the 03 AUDI ALLROAD VIN: WA1YD64B23N047490, Lic: 6KMX509 at private sale sometime after March 7, 2017. 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 03 AUDI ALLROAD VIN: WA1YD64B23N047490, Lic: 6KMX509 or who owe money under your agreement: Anagabriel P Tzintzun 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 keep the Vehicle free from encumbrances and liens. Failure to keep and maintain insurance on the Vehicle. : Failure to make payment(s) due under the contract. You voluntarily surrendered the Vehicle. K] 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 Lobel Financial, Attention: Repossession Department at 1150 N. Magnolia Ave. Anaheim, CA 92801. Pay the Total Amount Now Due Past Due Payments $ 1,350.77 Encumbrance and Lien Expense + §$ 0.00 Repossession Fee + §$ 650.00 Total Amount Now Due = $ 2,000.77 Continued on Rear aye ainjeubis LEO8sPr ON JUNODOY aweN JINOA Jefoueuly jogo] OL “gonou JeULNY nou SAep OL JO} ‘@jOIYaA JNOA Weepel oO} JO YH yey} eAeY NOA J! ‘JoesjUCS oY} aJe}SUIA! 0} SLUT} Oy pue ajo1uaA auj Jo ajes ayy ‘pua}xa {IM OM ‘(EILOJIED JO Epis}no Ss! ORNUCD a4} UO age] SUOsIed auy Jo Aue jo sseippe AY} JO BIWJOED JO spis}no payew si BoHON sity ji SAep OZ) SOHON siy} JO aep ay JO shep cp ulyum ysanbey siyj anieoes aM J] L08Z6 WO ‘wieyeuy “avy eyouBew “N OSL} JUuaupedeg uolssassodey :uouaHy ‘JeloueUI4 j8qo7 0} paysenbei jdia001 Winjas ‘ew pasaysiBes 10 payyieo Aq sn 0} }| pugs Jo sn uo jsanbay sily aAles Ajjeuosied Jayla jsnu NOA 3WIL JO NOISN3LX3 NV LSSNDSY OL LHOIY ‘yuawBpni jo Aqua jo ayep ay} 0} ajolya, ay} Jo UONIsodsip JO aJep Syy Wo ‘JSasajul Jo ayes JORIUOD OU S| a1BU} J! 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Aed 0} Me] Aq pasinbai aie aM ssajun ayes jo ayep ay} jo sAep Gy uly NOA 0} pied aq {IM HI ‘snidins e si aJay) J] “ajDIYSA OU} Jo aes Buimosjo} Buyunosoe us} eB YM NOA aplAold |IIM oA ONILNNODDV NSLLIYM ‘0S9G6 VO ‘SINOOT ‘G# 1D OTSONV LOE9 ‘OTT ‘SSOIANAS NOILV907 Wud 32 NOA 0} pany. aq |IM ao1ye, ey) ‘onp Bulpueys}no ]B}0} au} sn Buiked Aq ajoiya, ayy Wiaepas NOA ji JO ‘JoRjUOD aU} B}e}SUIN1 NOA PUL a}e]SUI9J 0} JYHI aU) aAeY NOA 4 STOIHSA 40 NOILVSO1 “LOG ‘g, Aseruqe4 sem yolyMm UoIssessodsl jo ajyep 94} Wo Bulnuooe uefiag pue ajoiye, ay) Buuojs si OUM OS9GG VD ‘SINOO7T ‘G# LO OTFONY L0€9 ‘O11 ‘SHOIANSS NOLLV907 Vud ©} aigeAed ae pue Aep Jad 00°01 $ ase saBieyo abei0j}s “@SES/O1 S}! 0} JOU ajoiyeA ay) BuLiojs Aed ay) 0} papiaoid aq ysnwi yuawiAed Jo joold “LG/9Z apoD JUBUL@AOD O} JUeNSINd //9GE'eO‘UI|YOOY‘pPeoy Ul|YOOY OgOP‘JUeUPedaG sd1}0q UyYOOY 0} ajqeAed s! QO"GLS JO 3a} ¥ twaepel O} syuNOWe Buimojjoj au Aed osje ysnwi nod 98°999 € $ = ang Bulpuejs}no jejo, 00°0 oo aBieyo \AC] peuieeun sse7 00°0 eo aBseyo soueuy dy pauieeun sseq 00°0 {5 eBieyo dy pewieeun sse7 00°0 eos aBseyo soueuy souRsnsul peuieaun sse7 00°0 Ne uiniwiesd souesnsul pauseaun sso 00°0 $.-c aBseyo soueuy pausesun sso} 98999 € $ = je}oqns 00°0S9 5. + saa} uoiIssassoday 00:0 $ saa} Aouanbuljeq 98°9L0€ $ souRjeq joRjUOD “aoHJOU JEYNY ynoUjIM poled uoNduepel ay} pue aoiyeA OU} JO ajes au} ‘sAep OQ} ;eUOHIPpe Ue JO} pue}xa |jeYs |eEIoOUeUI4 Jago] ‘ew Jo UoIsua}xe Ue JO} }senbel UaQUM JNOA jo jdia0e1 UodA ({Mojeq auly Jo UOISUa}xy Ue Jsenbay o} JUBIY aes) sKep jeuolIppe QO} JO aut} ay} jo UCISUa}xe Ue Jsanbai oO} YBU ay} aAeY NOA “(eIWOJeD Jo apis}no st yoeNUOD au} uo 9/qel| Suossad auj JO Aue Jo SsaJppe a4} JO RILOED JO apis}no payrewi si SOON siuy J! SAep QZ) SOON Siu} Jo ayep ou} woy skep G} jse9] Je 9q |IIM a]ep siy| “(sjustuAed anp jsed ayy Jsnf jou) ang Buipue}s}no |e}0| au) LOgzE YO ‘wie4yeuy “any elouBeW “N OSG/I ye JUsUedaq UOIssassoday :uoqUepY ‘jeloueUIy |aqo7 0} BulAed Aq ‘ajes s}i JO} Joes UCN e OjUI 49]U8 8M BLP dy} JO “AjOIYSA 94} [9S BM ajep ay} HUN dn ay Aue ye ajolya/ ety (YOR Je) Waepe oO} YBN aU) sAeY NO, W3303uy OL LHOIY : “LL0z SL Arenuqe SEM YIM UOIssassodal Jo ajep ay} Wo) Buinsooe ueBag pue ajoiya ay) Buoys si OUM QG9GG VD ‘SINOOT G# 1D OTAONV L0€9 ‘OTN ‘SSDIANAS NOILVOO7 Vud 0} aiqeAed aue pue Aep Jad 90'01$ ase sabieyo eBes0j}s “@SEIjOJ S$}! 0} JOUd Bj914aA a4) BuO}s Ayed ay} 0} papiAoid aq ysnw yUaUUAed Jo Joold “LG¢/9Z apoD JUBUILBAOD 0} JUeNSINd 1/9G6'EO'UIYOOY‘peoy Ul|YOOY OOP‘JUeUIedeq solo UIP}OOY 0} aiqeAed si OO'GLS Jo 90} Y ; : ‘pledun peusnjei s} yay e J! OO'SL$ feuoNIppe ue Aq pue “Ja}2] skep ud} ‘L671 $ JO JUNOWe ay) Aq ‘210Z ‘BL YEW UO |} gGz$ Aq Sesealou! JUNOWe jUaWa}e}sulO! OY "JORIUOD INOA a}e}SUIdJ 0} poad UOIsUa]xa Aue ‘a\qeoydde 1 pue poled juawwajeysures ay) Bulinp enp awiod Aayy JI sjuNOWe BuIMo}jo} auy Aed osje snw no, ~ om Date of Notice and Mailing: February 20, 2017 (FIRST CLASS) Account No: 488031 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 GABRIEL C TZINZUN Person(s) Liable on Contract - Debtor(s) - Obligor 1148 CONROY APT 61 ROSEVILLE, CA 95661 NOTICE OF OUR PLAN TO SELL PROPERTY California Commercial Code 9613, 9614, 9623 Subject: Motor Vehicle Retail Conditional Sale Contract Dated November 3, 2014 Motor Vehicle (“Vehicle”) Collateral: 03 AUDI ALLROAD VIN: WA1YD64B23N047490, Lic: 6KMX509 We have your 03 AUDI ALLROAD VIN: WA1YD64B23N047490, Lic: 6KMX509 because you broke promises in our agreement. We will sell the 03 AUDI ALLROAD VIN: WA1YD64B23N047490, Lic: 6KMX509 at private sale sometime after March 7, 2017. 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 03 AUDI ALLROAD VIN:WA1YD64B23N047490, Lic: 6KMX509 or who owe money under your agreement: Anagabriel P Tzintzun 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 keep the Vehicle free from encumbrances and liens. Failure to keep and maintain insurance on the Vehicle. : Failure to make payment(s) due under the contract. You voluntarily surrendered the Vehicle. x] 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 Lobel Financial, Attention: Repossession Department at 1150 N. Magnolia Ave. Anaheim, CA 92801. Pay the Total Amount Now Due Past Due Payments $ 1,350.77 Encumbrance and Lien Expense + § 0.00 Repossession Fee + §$ 650.00 Total Amount Now Due = $ 2,000.77 Continued on Rear ayeq ainyeubis LeOssr ON JunosOV aweN INO, jeOUCUTy Sqo7 OL “gohou JeyNY NOU sAep O} JO} ‘a]91Ya/ INOA Waeapal o} JO ‘JYBL Jey} PAeY NOA J! JoRNUCD OY} B}e}SUIJ 0} SUI] OU) pue a}1yaA au Jo ayes au) ‘pualxe jm aM ‘(eIWIOJED JO apis}no s! Joe jUOD ey} UO aIqel| SUOSIed at} JO Aue jo ssoippe BU} JO BIWIOYID JO apis}no paylew si SoHON sity J! 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Buinuooe ueBag pue ajoiya, au) Buojs si ouM OS9GE VO ‘SINNOOT ‘G# LO OTAONV L069 ‘OTN ‘SSDIANSS NOILVOO7 Vad 9} aiqeAed aie pue Aep Jad 90°01$ ase saBieyo aBei0js “@SPIOI S}! 0} JOU ajolyaA ay) BuLoys Ayed ay) 0} papiAoijd aq ysnwi yuswWAed Jo Joold “LG/9Z apoD JUBWULAAOD 0} JUeNSINd 7/9GE'eO'Ul]}OOY‘peoy UI]PYJIOY OgoP'jUewPedaG so!jod Ul}}OOY 0} aiqeAed si 00'GLS JO aa) ¥ ‘Wwaeapel 0} sjuNoLWe Bulmo}jo} auy Aed osje jsnu no, 98999 € $ = ang Buipuejys}no jejo 1, 00:0 SoS aBieyo [C7] peusesun sse7q 000 Rares aBieyo soueul dv peuseeun sso7q 00°0 i afieyo dy peuseeun sso} 00°0 $2. = ebseyo soueuy souRINSUI peuseeUN sse7 000 e uiniuiasd souesnsul peusegun sso 00°0 Sos eByeyo soueuy pauseaun sso 98°999 € $ = jejolqns 00°0S9 $ + s9aj uoIssassoday 00:0 $ saa} Aouenbuljeq 989L0€ $ aoupjeg joe.jUOD “BOJOU JOYYN JNOYIM poled uoNdwWepes ay} pue BjoIYSA aU} JO aJes aU} ‘sAep 0} ;eUOHIPPe Ue JO} pus}xe |}eUsS jeloURUI4 jaqo7 ‘awh Jo uolsua}xe Ue JO} ysenbe1 UayM INOA jo jdis0e1 uodN (Mojeq awiy Jo UOIsUa}xy Ue Jsenbey o} JUBIRY aes) skep jeuoyippe QO} JO eli} ay} JO UCIsUa}xe Ue ysenbai oj JYBU ay} BAeY NOA ‘(eIWOJIED Jo apis}no si JoRUC ayy uo aiqel| suosied eu} jo Aue Jo ssaippe ay} JO eIWJOJeD JO apis}no paylew si soNON siy] J! SAep OZ) SOON SIU} Jo ayep ayy woy skep G} }se9] Je aq |IIM BJep sis “(SjuaWAed anp jsed ayy ysn/ jou) ang Buipueys}no je}oL au) LOgzZ6 VO ‘wieyeuy ‘aay elloubeW ‘N OS}} ye juaunJedag UoIssassodey :uoNUeHY ‘elouBUI jaqo7] 0} Bulked Aq ‘ajes sy! Jo} JoeRNUOD e OWI JaJU2 BM BJeP BY} JO ‘AjOIYaA 94} |]8S 8M a}ep ay} [NUN dn aww Aue ye afoIya/ au (yoRQ 19H) Waapea Oo} jy61s aU} eAeU NO, W3303e O1 LHS ‘ “LLOG SL Auenuge 4 SeM YolyM UOIssassode) Jo ajep ay} Wo. Buiniooe ueBag pue ajoiya, ayy Buoys Ss! OYM S96 VO ‘SINOOT S# LD OTADNV L0€9 ‘OTN ‘SAODIAMSAS NOILV9071 Wud ©} aiqeXed ae pue Aep Jad 00'01$ ue saBieyo aBei0js “@SP9IAJ S$} 0} JOLd ajorYyaA ay} Buoys Ayed 9y3 0} papiAoid aq sn yUstAed Jo Jooig *|G/9Z apog JUBWULBAOD 0} JuUeNsiNd 1/9G6'eD'UIPOOY ‘peoy Ul|yIOY OBOP‘JUeUEd|G saljog UIOOY 0} ajqeAed Ss! OO'GLS JO 9a} V : ae ‘pledun peuinjei s! yOoyd e 4! OO'SL$ JeUoRIppe ue Aq pue ‘19}2) sXep us} ‘L671 $ Jo junowe ayy Aq ‘2107 ‘g} YOIeW UO 11 °9Gz$ Aq sesealoU! juNOWe jUaWa}e}suIo! oY] "yORNUOD JNOA a}e}SuUIaJ 0} pouad UOIsUa}xa Aue ‘ajqeoydde ) pue poled juawwajeysules ay) Bulinp enp awioo Aayp J! sjuNOWe Bulmojjoy ayy Aed osje ysnw no, a : a, 02/21/2017, 12:53 , , ° mags it T zinteun 43303 | PRAI | PRA LOCATION SERVICES : x PO BOX 12847 Location § NORFOLK,VA 23541 Services * Phone:(916) 235-5700 FAX:(916) 235-5771 BHA Invoic 659773 Dn yt LOBEL FINANCIAL Ce cor suRtNO 488031 GING 95677 a ; . Phone:(714) 995-3333 & FAX:(714) 995-4723 VITRO ne ANA TZINTZUN # Per Agreement y - 2003 AUDI ALLROAD Ass: i) LOBELF dy, WA1YD64B823N047490 iDesen e cniptc on Naas asus LPR Involuntary Repossession Fee 650.00 Total $650.00 | RR POLOPIRS IDEN: PRS ea A Te ee ee ath Hot exe Auth Rea VAS RE ©2008 - 2017 - Intellaegis Inc.™ - All Rights Reserved htps:/www.masterqueue.com and hitp//Awww.intellaegis.com ref:3b4932e79723a10b39a78944e90db0d3 FEB 2-1 2017 v: 972857 _ Exhibit 2__ License Plate # N/A Stock #488031 Mar 20, 2017 | Lending/Sug. Retail Breakdown, Auction & Trade-In | Kelley Blue Book Effective dates: 3/17/2017-3/23/2017 2003 Audi allroad Quattro Wagon 4D in $1,927/$3,688 VIN: WA1YD64B23N047490 V6, Turbo, 2.7 Liter. . Included Automatic Included Quattro AWD Included | Ext. Color: N/A $0/$0 | *** Equipment *** | Traction Control.........0000 Included = Cassetté......ssscocescsrsscrserrsceees Included | ABS (4-Wheel)....cccccsssscesssroverserees Included CD (Multi Disc).............ssscscssceees Included Air Conditioning.............. Included Dual Air Bags.........sssessessssesssere Included Power WindowS....cccscrssrsserseeeeceee Included - Side Air Bags.......cccsssssssesessesere Included Power Door Locks..........000 Included Dual Power Seats..........004 Included Cruise Control...........sccsssssssceceee Included = Leatherr...........sccsssessseeseseasens Included Power Steering........ Reseosinsessseusiais Included Moon Ro0........ccccccsccscesesessoevece $182/$242 Telescoping Wheel............. Included = ROOF Racka......cccssccsrcerrerssescssees Included AM/FM St0re0...ccerscssrescssssesesesesees Included - Alloy Wheeels..........scrssscssscsesseees Included Fuel City/Hwy 15/20 MPG Total Value without mileage........seccrscesssseeerreee $2,109/$3,930 Mileage Adjustment(153,532) miles........ssvssserseeseeses <$206> ***Total Lending/Suggested Retail Value............sssrseeressersersrsseseees $1,903/$3,724 Auction $1,451 Trade-In Value $1,087 Trade-In Value Range $769 - $1,404 Condition: Good Lobel Financial 3/17/2017-3/23/2017 Kelley Blue Book® KARPOWER Online's® values for 92803 . Values are subjective opinions. Kelley Blue Book assumes no liability for errors or omissions as to values, manufacturer or dealer information. ©Copyright Kelley Blue Book 2017.All rights reserved. oe OS Exhibit 4 _ Felina Aya Gabel Veh ADESA OS Sorsition Report r 6233 BLACKTOP ROAD BRASHER’S RIO LINDA, CA 95673 (916) 991-5555 48803) Right : Page 1 of 3s: ( Printed at 15:54:21 on 03/07/17 ) 2003 Audi Allroad 4D Wagon Quattro Inv # 6V41 Color / Interior: Black / Gray 353 Mileage: Exempt VIN: wanpaenaleer? Customer Name: Lobel Financial Client Stock #: 488031 Arrival Date: 02/28/2017 Pick-up Date: Internal Notes: CR Writer: Dustin Busath on 03/03/17 Overall Condition: 1.7 3 Auto’.Grede | -- “ Equipment E-_- : ’ + All Wheel Orive + Automatic Transmission * 6 Cylinder Gas 2.71 Liter * 50 State Emissions « Air Conditioning * Electric Seats * Power Trunk * Memory Seats * Power Windows * Power Locks ¢ Qual And Side Air Bags * Cruise Controt + Anti Lock Brakes + Dual Air Thermostats * Tilt Steering Wheel + Alloy Wheels * Amifm Cd « Moon Roof * Power Steering * Power Brakes + Electric Mirrors + Heated Seat Driver & Passenger = Denes § -- : : -4 # ‘Location; ~ |, Damage’ 8 "" 35 seq Severity” , adv ‘p Shargeabie, qi Repalr- i. Paint: Rarty ‘. ., Total oe ea, “ ' petion yee, 3 Ms -Recorn’| Repair, . 7 "Pa rns$- 0, * ty a Mote Tb A - at ; Front 4 Front Bumper Broken Replacement Required Chargeable 4.38 3.06 7.30 Replace $566.06 $193.56 $135.66 $828.58 2 Roof Dents W/ Paint Omg 1 To 2 inches Chargeable 2.88 6.58 8.5@ Estimate Only $96.68 $292.56 $382.50 | 3 Right Head Lamp Broken Replacement Required Chargeable Replace $256.68 $250.66 4 Left Head Lamp Broken Replacement Required Chargeable | Replace $256.64 $256.66 t UBIO gre 280 16, a0 3.00) ~ 15.00 a $1, 006. 66: ($90.00: © $486: 186.” $135. 0 “$4 (744.60 Left § Left Qtr Panel Dents W/ Paint Omg 1 To 2 Inches Chargeable 1.80 3.90 4.98 Estimate Only $45.60 $175.56 $226.56 6 Left Front Door Light Scratch 1 To 2 Inches Chargeable 6.50 8.26 6.78 Wet Sand & Brush Touch $22.58 $9.66 $31.56 7 Left Front Wheel Heavy Scratch 1 To 2 Inches Chargeable 1.50 1.58 Estimate Only $67.58 $67.56 . Subtotal.” Teg Bet 1 allt oH) 6.68 Tr, 0,00. “ithe 18 Moots | $0388 ” $67:50:°° $252.00 _|* $0.00, $319.50 ' | ' | Exhibit 2. 2003 Audi Allroad 4D Wagon Quattro VIN: WA1YD64B23N047490 Inv #: 6V41 Client Stock #: 488031 8 Right Front Missing Replacement Required Chargeable Center Cap Replace $25.60 $25.66 9 Right Front Wheel Heavy Scratch 4 To 2 Inches Chargeable 3.26 3.26 Estimate Only $144.68 $144.66 10 Right Front Door Dents W/ Paint Omg 1 To 2 Inches Chargeable 1.60 3.28 4.26 Estimate Only $45.66 $144.06 $189.66 41 Right Rear Door Heavy Scratch 1 To 2 Inches Chargeable 3.26 3.26 Estimate Only $144.06 $144,066 12 Right Qtr Panel Dents W/ Paint Omg 1 To 2 Inches Chargeable §.66 3.96 8.96 Estimate Only $225.06 $175.56 $400.56 13 Right Rear Center Missing Replacement Required Chargeable Cap Replace $25.06 $25.66 Subtotal ,.; * '6.00~”~*13,50 0.08 ~~ 19.50 ‘ $50.68 $270.80 $687.56 $6.66 $927'.58 Mechanical 14 Engine Inoperable Repair Required Chargeable Check and Advise $560.68 $566.68 Subtotal © - a ‘6.08 ” ; 8.00 6.68 6.68 $8.96 "$500.68 ' :: $0.00° $6.08 | $566.60 Interior 15 Odometer Inoperable Other Check and Advise Subtotal Fr i 0.88, - 6.68 8.08 6.06 _ i $6.00, . $6,00-'. $¢.60 '' $6.6 $6, 60 “Nonchargeable’.. "= 8.68 @.68 9.08 0.08 Chargeable’)... 8.58) 29,90 3.08 + | 42.40 Total' Hours ~~~ 9.58 . .29.98 3.08 42.40 Nonchargeable’ -: ‘ ; Chargeable $1,'650:06 $927.50 $1,345.56 $135.00 $3,458.00 ‘Total Amt 's1,050:00 $927:50 $1,345.50 $135.00 $3,458.00 4, Left Head Lamp 5. Left Qtr Panel 6. Left Front Door 7. Left Front Wheel 18, Extra Picture wrk g 19. Extra Picture a 2 . i 1: Page 2 of 3:: ( Printed at 15:54:21 on 007/17 } ...a S E R V I C E / REPAIR O R D E R ALL PARTS INSTALLED ARE N E W U N L E S S SPECIFIED O T H E R W I S E Grarher's B R A S H E R ’ S S A C R A M E N T O A U T O A U C T I O N M E C H A N I C ’ S S H O P 6233 B L A C K T O P ROAD, RIO LINDA, CA 95673 U = U S E D A = R E M A N U F A C T U R E D S A C R A M E N T O (916) 9 9 1 - 5 5 5 5 / (916) 2 3 1 - 3 2 5 0 ary PART NUMBER OR DESCRIPTION PARTS LABOR TOTAL - S RC-00234731 1 1 3 0 6 4 . 1 ' DATE*> \ W o m e Poon | fog | S e b _| srrecr ' t PHONE 8 NI I ' 1} CIty 8 STATE | | V U W)- ' YR. : MOD > ENG? 000 am op l a a fest | Aw Koes wp waco Gea P U S 3 s a 2 | < { 4 UCG.PLA R [AL N U M B E R ! . Bleck. O t 27+ 40 \ i LIST BELOW WORK TO BE DONE PRICE | ! 2 , ly sof wt dt teoak i B o t t e 2. e t I t t ' { i \ J : i i t 1 t 1 i i ' i i T 1 ] ' 1 1 t i ! avu'T 2. t iguiton 2 % - C m S e Ta belhty ' ' , ‘ j /, 12.2, /, 2 s t é t t t : ( 2 s e h l s - T P Sée “ S y f e e Uwes G e 4 e n safest ! - wy o r e URES | a l s e i ' Al. LABOR ; ' { s E v i n s L a d l l , ag a k e : S U A S Fie AMOUNT-OF REPAIRS THENETO. YOU WILL NOY BE HELD | TOTAL PARTS \ \ \ R E F O N S I B L E F O R L O S S OF D A M A G E TO V E H I C L E OF A N U C L E S tert at o n S p ! P E VEHICLE nN CASE O F F FRE, THEFT, ACCIDENT OR ANY OTHER TOTAL ACCESSORIES : ee a HAZMAT DISPOSAL FEE ; OFFICE USE BY LAW, YOU MAY CHOOSE ANOTHER LICENSED SMOG CHECK | SHOP SUPPLIES FEE FACILITY TO PERFORM ANY NEEDED REPAIRS OR ADJUSTMENTS {Tora susLET REPAIRS | THAT THE SMOG CHECK TEST INDICATES ARE NECESSARY. A : ' CUSTOMER WILL BE CHARGED FOR INSPECTION REGARDLESS 1 ; OF PASS OR FAIL. i 1 ESTIMATE A M O U N T PARTS L A B O R - e e ; SALES TAX % 1 ' ~ T t ( | ADD'L AUTH. AMT. [ ™ e [* | X TOTAL AMOUNT. ce. Mitre, aa ADESA Bish 6233 Blacktop Road, Rio Linda, CA 9567. . «6-991-5555 CAR NO__ AUCTION DATE. - ‘DESCRIPTION SERIAL NUMBER UNIT NUMBER 28 [03/21/17 03 Audi Allroad 4D Wagon WALYD64B23N047490 |488031 CONSIGNOR’S STATEMENT Ck Date 03/22/2017 B094 Lobel Financial DESCRIPTION LOTHER DEDUCTIONS [ CARNO. [ ‘DATE L VEHICLE / SERIAL NO. DMV PRINT OUT 10.00 28 03/22/17 03 ALLROAD WGN 047490 NEEDS PUT BACK TOGETHER, AS-IS ME113064 0.00 28 03/20/17 03 atuRoaD wen 047490 TRANSPORT IN FEE-TOW (LOOMIS) TA283740 75.00 03/07/17 03 atLROAD wen 047490 | ~ - \ / LN NAH ) - \ 2 ( BY . \ 7 “~~ i ( CHECK NO. - a SALE PRICE SALE FEE OTHER DEDUCTIONS TOTAL DEDUCTIONS NET CHECK 4142708 $300.00 90.00 85.00 175.00 $125.00 ’ r _JS ADESA estos 5233 Blacitoh Roed, Rio Linds, CA 95673 916-991-5555 - CAR NO. | AUCTIONDATE, DESCRIPTION SERIAL NUMBER UNIT NUMBER 28 03/21/17 | 03 Audi Allroad 4D wagon, WA1YD64B23N047490 /|488031 \ CONSIGNOR’S STATEMENT Ck Date 0322/2017 \ \ .B094 Lobel Financial DESCRIPTION ‘ LOTHER DEDUCTIONS | CARNO. |' DATE. -__| VEHICLE / SERIAL NO. DMV PRINT OUT . 10.00 28 03/22/17 03 AuLROAD WGN - 047490 NEEDS PUT BACK TOGETHER,AS-IS | ME113064 0.00 28 03/20/17 03 ALLROAD WGN 047490 TRANSPORT IN FEE-TOW (LOOMIS) TA283740 75-00 03/07/17 03 atuRoaD won 047490 \ . . ~ / al L ~ ™ / {~ \ « fr Zz CHECK NO. “SALE PRICE SALE FEE “OTHER DEDUCTIONS | TOTAL DEDUCTIONS NET CHECK. ~ _| 4142708 “$300.00 90.00 85.00 175.00 . $125.00 \ / a . : ae a a paging 1 \e ¢ - a a . : “ . ihe 1 Abwsh Bristexs: te ze % 4 oe “he ; A rae * SSAL 6233 Blacktop Road “w+ Bet eae - SB Rio Linda,CA 95673 eee ° _ ADESA: G16) 991-5555 i a endef PAY One Hundred Twenty, Five Dollars: and 00/100 ao : _ ae * (co a oe , iain mE ON ‘ - re 4» bObel” Financial : +8415; ‘0*** o b ower PO Box 3000 . Anaheim, CA 92803 \ maconcce ane cerceniOnie tiene ee \zwireun, Ayvopionel- UZZOS | 03 Addi Allroad 4D Wagon Quattro 153,532 WA1YD64B23N047490 488031 -f-secuniry FeTunEs eLucED. fA” Eee SECURITY FEATURES INCLUDED. fl mb 2708 HOLA kSGK AN 8262020270 Exhibit ar a am, 488031 VEHICLE YEAR : 03 TZINZUN, ANAGABRIEL & GABRIEL C. VEHICLE MAKE : AUDI 6133 WOODSIDE DR VEHICLE MODEL: ALLROAD ROCKLIN, CA 95677 LICENSE # : 6KMX509 VEHICLE ID # : WA1LYD64B23N047490 DATE 04-24-18 LAST PAID 12-02-17 NEXT DUE 08-18-16 31 X 258.11 DATE 1ST PAYMENT DUE 12-18-14 DATE TYPE DEBIT CREDIT 11-03-14 8001.41 11-11-14 ND NOTICE OF ASSIGNMENT DATE 11-12-14 WA 1705.00 EFF=11-03-14, LDW POLICY ADDED 11-12-14 NP NEW PYMT=313.11 PC=+55.00, NEW PAYMENT - PA 11-24-14 we 1705.00 EFF=11-24-14, LDW POLICY CANCELLED 11-24-14 WF 39.78 DOESN'T EFFECT NEXTDUE, LDW DEFERRED 11-24-14 NP NEW PYMT=258.11 PC=-55.00, NEW PAYMENT - PA 12-03-14 ST PYMT=258.11, STATEMENT - SENT 15 DAYS PRIOR 13-23-14 Li LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU 12-26-14 PY 258.00 #104 01-05-15 ST PYMT=258.11 PAST-DUE=0.11, STATEMENT - SENT 01-23-15 u1 LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU 01-29-15 L2 12.91 LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND 01-30-15 Bl NOTICE TO PROVIDE INS/OR LDW ADDED TO ACCOU 02-02-15 ST PYMT=258.11 PAST-DUE=258.22, STATEMENT - SE 02-09-15 B2 WE HAVE NOT REC'D ACCEPTABLE PROOF OF INS/L 02-09-15 WA 1650.00 EFF=01-30-15, LDW POLICY ADDED 02-09-15 NP NEW PYMT=313.11 PC=+55.00, NEW PAYMENT - PA 02-09-15 PY 258.22 #PP 933154 02-10-15 ST PYMT=313.11 (R), STATEMENT - SENT 15 DAYS P 02-23-15 Li LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU 03-01-15 L2 12.91 LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND 03-05-15 ST PYMT=313.11 PAST-DUE=313.11, STATEMENT - SE 03-20-15 A1N 30 DAYS PAST DUE 03-20-15 PY 260.00*#PP 100 03-23-15 Li LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU 03-26-15 CG 15.00 #PP 100 RETURNED CHECK CHARGE 03-26-15 NF 260.00* #PP 100 RETURNED CHECK AMOUNT 03-26-15 PY 258.11 #PP 779145 03-29-15 L2 12.91 LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND 04-02-15 ST PYMT=313.11 PAST-DUE=368.11, STATEMENT - SE 04-17-15 A1N 30 DAYS PAST DUE 04-24-15 PY 313.11 #PP 091141 04-29-15 L2 12.91 LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND 05-04-15 ST PYMT=313.11 PAST-DUE=368.11, STATEMENT - SE 05-18-15 A1N 30 DAYS PAST DUE 05-29-15 L4 12.91 LATE NOTICE #4 - 40 DAYS PAST DUE (LEGAL A 05-29-15 PY 313.11 #PP 100 06-02-15 ST PYMT=313.11 PAST-DUE=368.11, STATEMENT - SE 06-17-15 A1N 30 DAYS PAST DUE 06-26-15 PY 313.00 #PP 1792 06-29-15 L2 12.91 LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND 07-03-15 ST PYMT=313.11 PAST-DUE=368.22, STATEMENT - SE 07-20-15 A1N 30 DAYS PAST DUE 07-29-15 L4 12.91 LATE NOTICE #4 - 40 DAYS PAST DUE (LEGAL A 08-03-15 ST PYMT=313.11 PAST-DUE=681.33, STATEMENT - SE Exhibit ¥ __ 08-03-15 08-14-15 08-14-15 08-14-15 08-17-15 08-26-15 08-29-15 09-02-15 09-17-15 09-18-15 09-29-15 09-29-15 10-05-15 10-19-15 10-19-15 10-23-15 10-29-15 11-02-15 11-17-15 11=23=15 11-29-15 12-03-15 12-18-15 12-23-15 12-29-15 01-04-16 01-18-16 01-21-16 01-23-16 01-29-16 02-02-16 02-17-16 02-22-16 02-23-16 02-26-16 02-26-16 02-29-16 02-29-16 03-04-16 03-21-16 03-21-16 03-23-16 03-29-16 04-01-16 04-04-16 04-20-16 05-03-16 05=23-16 05-29-16 06-02-16 06-14-16 06-23-16 06-29-16 07-05-16 07-18-16 07-25-16 07-29-16 PY wc WF NP A1N PY L2 ST A1N PY L4 PY ST A1N PY L1 L2 sT A1N PY L2 ST A1N PY L2 ST A1N PY Ll L2 ST A1N PY Li CG NF L4 PY ST A1N PY L1 L2 PY ST PY ST L1 L2 ST PY L1 L2 ST A1N PY L2 77. 12 is 12. 12. 12. 12. 12. 15. 258. 12 12. 12. 12 12. 75 91 91 91 91 91 91 00 11* 91 91 91 «91. 91 314. 1375 239). 259. 15. 258. 258. 258. 258. 258. 358 215 258 258. 258. 195. 00 -00 00 00 00 11 11 11 11 #113 #DBT 946098 #PP 0919 #DBT 028483 #115 #118 #119 #DBT 184388 11*#PP 1360 «bd ~55 + Ld 11 11 00 #PP 1360 #PP 1360 #DBT 281615 #DBT 265057 #DBT 144650 #DBT 171261 #DBT 165696 #DBT 339010 a, EFF=08-10-15, LDW POLICY CANCELLED DOESN'T EFFECT NEXTDUE, LDW DEFERRED NEW PYMT=258.11 PC=-55.00, NEW PAYMENT - PA 30 DAYS PAST DUE LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=258.11 PAST-DUE=331.44, STATEMENT - SE 30 DAYS PAST DUE LATE NOTICE #4 - 40 DAYS PAST DUE (LEGAL A PYMT=258.11 PAST-DUE=315.55, STATEMENT - SE 30 DAYS PAST DUE LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=258.11 PAST-DUE=315.55, STATEMENT - SE 30 DAYS PAST DUE LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=258.11 PAST-DUE=315.55, STATEMENT - SE 30 DAYS PAST DUE LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=258.11 PAST-DUE=315.55, STATEMENT - SE 30 DAYS PAST DUE LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=258.11 PAST-DUE=315.55, STATEMENT - SE 30 DAYS PAST DUE LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU RETURNED CHECK CHARGE RETURNED CHECK AMOUNT LATE NOTICE #4 - 40 DAYS PAST DUE (LEGAL A PYMT=258.11 PAST-DUE=215.55, STATEMENT - SE 30 DAYS PAST DUE LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=258.11, STATEMENT - SENT 15 DAYS PRIOR PYMT=258.11, STATEMENT - SENT 15 DAYS PRIOR LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=258.11 PAST-DUE=258.11, STATEMENT - SE LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND PYMT=258.11 PAST-DUE=258.11, STATEMENT - SE 30 DAYS PAST DUE LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND 08-02-16 08-17-16 08-22-16 09-06-16 09-21-16 09-30-16 10-03-16 10-23-16 10-29-16 10-31-16 11-02-16 11-17-16 11-29-16 11-30-16 12-02-16 12-03-16 12-19-16 12-19-16 12-29-16 12-31-16 01-02-17 01-06-17 01-06-17 01-06-17 01-06-17 01-06-17 01-29-17 01-31-17 02-16-17 02-16-17 02-16-17 02-15-17 02-20-17 02-21-17 02-28-17 03-01-17 03-23-17 03-23-17 03-24-17 12-02-17 ST A1N ST PY IA ST Ll L2 IA st A1N L4 IA ST 32. 12. 42. 12. 41. 12. 42. 12% 42. 650. 38. 12. 16 91 83 91 45 91 83 91 83 00 69 91 516.22 #DBT 765398 261.00 #DBT 122504 #659773 02-2 125.00 #4142708 $3,593.46 117.00 #67-688779 $3,476.46 am, PYMT=258.11 PAST-DUE=321.22, STATEMENT - SE 30 DAYS PAST DUE PYMT=258.11 PAST-DUE=63.11, STATEMENT - SEN INTEREST ADDT'L - ADDT'L ACT F/C OCCURS ON PYMT=258.11 PAST-DUE=60.22, STATEMENT - SEN LATE NOTICE #1 - 5 DAYS PAST DUE (PAST DU LATE NOTICE #2 - 10 DAYS PAST DUE (SECOND INTEREST ADDT'L - ADDT'L ACT F/C OCCURS ON PYMT=258.11 PAST-DUE=318.33, STATEMENT - SE 30 DAYS PAST DUE LATE NOTICE #4 - 40 DAYS PAST DUE (LEGAL A INTEREST ADDT'L - ADDT'L ACT F/C OCCURS ON PYMT=258.11 PAST-DUE=576.44, STATEMENT - SE APEX, ASSIGN FOR REPO ANYC, ASSIGN FOR REPO APEX EMAILED REASSIGN, REPO CANCELLATION NO NOTICE SENT - 70 DAYS PAST DUE (A2 INST INTEREST ADDT'L - ADDT'L ACT F/C OCCURS ON PYMT=258.11 PAST-DUE=834.55, STATEMENT - SE ANYC LISA OTHER, REPO CANCELLATION MVTC, ASSIGN FOR REPO DMR, ASSIGN FOR REPO PRA, ASSIGN FOR REPO PLLO, ASSIGN FOR REPO NO NOTICE SENT - 130 DAYS PAST DUE (CHARGE) INTEREST ADDT'L - ADDT'L ACT F/C OCCURS ON MVTC PULLED OTHER, REPO CANCELLATION DMR PULLED REPOSSESSED BY L, REPO CANCEL PLLO PULLED OTH, REPO CANCELLATION 650.00/0.00 PRA 02-15-17, ESTIMATED REPO FE NOI TO DISPOSE LETTER, REPO LETTER - NOTICE REPO FEE INTEREST ADDT'L - ADDT'L ACT F/C OCCURS ON LATE NOTICE SUPPRESSED-REPO'D, NO NOTICE SE CO ON 03-23-17, REPO REDEMPTION SOLD AUTO BALANCE AT CHARGE OFF 03-23-17 SURPLUS/DEFICIENCY LTR:B1M2B2, EXPLANATION SALES TAX REFUND BALANCE