ACCEPTED 05-14-01392-CV FIFTH COURT OF APPEALS DALLAS, TEXAS 3/24/2015 12:00:10 AM LISA MATZ CLERK

5th Court of Appeals FILED: 03-31-15 Lisa Matz, Clerk Appeal No. 05-14-01392-CV ____________________ RECEIVED IN 5th COURT OF APPEALS DALLAS, TEXAS In the Court of Appeals 3/24/2015 12:00:10 AM LISA MATZ Fifth Judicial District Clerk Dallas, Texas ____________________ K.W. Ministries, Inc. v. Auction Credit Enterprises, LLC ____________________

APPELLANT’S BRIEF

ORAL ARGUMENT REQUESTED Yolonda Sewell Attorney for Appellant State Bar No. 24044111 6731 Bridge Street, Suite 379 Fort Worth, Texas 76112 Telephone: (806)239-2130 Facsimile: (817)531-9977 E-mail: [email protected] John E. Leslie State Bar No. 12231400 JOHN LESLIE | PLLC 1805 West Park Row Drive, Suite C Arlington, Texas 76013 Telephone: (817) 505-1291 Facsimile: (817) 505-1292 Email: [email protected] Identity of Parties and Counsel The following is a list of all parties and all counsel in this matter: Appellant in this matter is K.W. Ministries, Inc. f/d/b/a C.R.U.S.H. Auto Sales, and is Plaintiff in the underlying case described below. The attorneys representing Appellant are: Yolonda Sewell John Leslie 6731 Bridge Street, Suite 379 John Leslie PLLC Fort Worth, Texas 76112 1805 W. Park Row Drive, Suite C Tel: (806) 239-2130 Arlington, Texas 76013 Fax: (817) 531-9977 Tel: (817) 505-1291 Fax: (817) 505-1292 Appellee in this matter is Auction Credit Enterprises, LLC, and is Defendant in the underlying case described below. The attorneys representing Appellee are: Robert Wise Lillard Wise & Szygenda, PLLC 5949 Sherry Lane, Suite 1255 Dallas, Texas 75225 Tel: (214) 739-2005 Fax: (214) 739-2010 Table of Contents Identity of Parties and Counsel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ….2 Table of Contents ………………………………………………………………………3, 4 Index of Authorities ………………………………………………………………………5 Statement of the Case ……………………………………………………………………..6 Issues Presented ……………………………………………………………………….......6 I. The trial court erred when it failed to consider K.W. Ministries, Inc.’s amended response. ………………………………………………...17, 18, 19 II. The trial court erred in granting Auction Credit Enterprises, LLC’s no- evidence motion for summary judgment when there is some evidence to support K.W. Ministries, Inc.’s claims.……………………………….19, 20 III. The trial court erred in granting Auction Credit Enterprises, LLC’s traditional motion for summary judgment when there is a genuine issue of material fact. ……………………………………………………………...20 Statement of Facts ………………………………………7, 8, 9, 10, 11, 12, 13, 14, 15, 16 Summary of Argument ………………………………………………………………16, 17 Argument ………………………………………………………………………………...17 I. Standard of Review ……………………………………………………17, 18 II. Amended Summary Judgment Response Disallowed …………….18, 19, 20 III. Some Evidence to Defeat No-Evidence Motion ……………………… 20, 21 IV. Genuine Issue Material Fact to Defeat Traditional Motion ……………21, 22 Prayer ……………………………………………………………………………………22 Appendix ……………………………………………………………………….23, 24, 25 I. Copy of Final Summary Judgment ………………………………………23 II. Text of Texas Rule of Civil Procedure 166a ……………………..23, 24, 25 III. Text of Texas Civil Practice & Remedies Code §16.068 …………………25 IV. Contract Between The Parties …………………………………………….25 Index of Authorities Rules Texas Rule of Civil Procedure 166a …………………..……………………………...17, 18 Statutes Texas Civil Practice & Remedies Code §16.068 ……………………………………….19 Cases Austin v. Inet Technologies, Inc., 118 S.W.3d 491, 495 (Tex. App.—Dallas 2003). ……………………………………………………………………………………16, 17, 21 Havlen v. McDougall, 22 S.W.3d 343, 345 (Tex. 2000).…………………………………16 Nixon v. Mr. Property Management Co., 690 S.W.2d 546, 548-49 ((Tex. 1985).…...16, 17 Wayment v. Texas Kentworth Company, 248 S.W.3d 883, 885 (Tex. App.—Dallas 2008) (citing Tex.R.Civ.P. 166a(i) and Western Inv., v. Urena, 162 S.W.3d 547, 550 (Tex. 2005))……………………………………………………………………………...…17, 19 Statement of the Case 1. The underlying suit arises out of Cause No. DC-13-14570, styled "K.W.

Ministries, Inc. d/b/a C.R.U.S.H. Auto Sales v. Auction Credit Enterprises, LLC," in the 116th Judicial District Court, Dallas County, Texas. 1 2. The underlying suit is an action for breach of contract, fraud, defamation, deceptive trade practices, and damages arising from a motor vehicle floorplan financing agreement. 2 3. Appellee, Auction Credit Enterprises, LLC, filed a traditional and no- evidence motion for summary judgment. 3 Appellant filed an original and amended response. 4 The district court did not consider the amended response. 5 4. The district court granted Appellee’s motion for summary judgment. 6 This appeal ensued. 7 Issues Presented I. The trial court erred when it failed to consider K.W. Ministries, Inc.’s amended summary judgment response.

a. Texas Rule of Civil Procedure 166a applies b. The Relation-Back Doctrine applies II. The trial court erred in granting Auction Credit Enterprises, LLC’s no-

C. R. at 5-65. Id. Id. at 69-406 Id. at 407-424 and 483-522.

R.R. at 29-36.

C.R. at 600-01. Id. at 602-04. evidence motion for summary judgment when there is some evidence to support K.W. Ministries, Inc.’s claims.

III. The trial court erred in granting Auction Credit Enterprises, LLC’s traditional motion for summary judgment when there is a genuine issue of material fact.

Statement of Facts In the summer of 2011, Plaintiff was engaged in the business of selling used vehicles to retail customers from a lot on Lancaster Street in Fort Worth, Texas under the assumed name “C.R.U.S.H. Auto Sales”. 8 Defendant was in the business of providing inventory financing to used car dealers, commonly referred to as “floorplan financing”. 9 In late July or early August 2011, Joe Madrid (“Madrid”), Defendant’s Regional Manager, made a “cold call” on Plaintiff at its business premises to see if Plaintiff was interested in obtaining floor plan financing for its used car inventory. 10 Defendant, after one or more follow-up calls and meetings with Plaintiff, offered to extend “floor plan” financing to Plaintiff through its representative, Madrid. Plaintiff accepted Defendant’s offer. 11 In furtherance of the “floor plan” lending arrangement, on August 11, 2011 Plaintiff, by and through Kenneth Williams (“Williams”), its President, signed a “Demand Promissory Note and Security Agreement” (the "Contract") at Defendant's office under the direction of Defendant's representative “Agnes.” 12 Although

C.R. at 6. Id. Id. Id. Id. Williams’ signature was notarized within the Contract, Madrid, the Notary Public who purportedly acknowledged Williams’ signature to the Contract, was not present when Williams signed the Contract and Williams never saw Madrid affix his notary signature or stamp to the Contract. 13 Neither Williams nor Plaintiff was given a copy of the Contract at the time it was signed, or at any time thereafter. 14 After making demand on Defendant for a copy of the Contract, Plaintiff finally received a copy of the Contract on November 17, 2011, following Defendant’s termination of its floorplan relationship with Plaintiff. 15 At the time the Contract was entered into by Plaintiff, Plaintiff had no previous experience with floorplan financing arrangements, a fact communicated by Williams to Madrid. 16 Defendant, being fully aware of Plaintiff’s lack of knowledge of the details of floorplan financing and Plaintiff’s inferior bargaining position, told Plaintiff that its physical possession of titles to vehicles Plaintiff owned outright, free and clear of liens, of an aggregate value of $75,000.00, together with a lien and security interest on all of Plaintiffs then-existing and after-acquired property, was necessary to initially secure the floorplan arrangement. 17 In accordance with its demand, at the time the Contract was signed, Defendant took physical possession of titles to the following vehicles: a 2010 Cadillac SRX Luxury (VIN #3GYFNAEYIAS516971); a 2010 Toyota Camry LE (VIN#4Tl BF3EK5AUI00605); a 2008 Chrysler 300 (VIN

Id. Id. Id. Id. Id. #2C3LA53G08H303839); and a 2007 Cadillac CTS (VIN # IG6DP577670122419), promising to return the titles to Plaintiff on November 1, 2011 (collectively, the “Pledged Vehicles”). 18 During August, September and October, 2011, Plaintiff purchased a number of vehicles with the floorplan financing provided by Defendant and paid for these vehicles on a timely basis, without default, according to the terms of the Contract.19 At the outset of their relationship, and at all times thereafter, Defendant instructed Plaintiff to make payment checks payable to “AAA” and not to Auction Credit Enterprises, LLC. Not knowing the reason or justification for this request, Plaintiff nonetheless complied with Defendant’s instructions.

From time to time, Defendant requested post-dated checks from Plaintiff to pay for vehicles financed through Defendant which were contracted for sale, but not yet funded by the purchasers or their banks. 20 Defendant was instructed by Plaintiff to hold these checks until the sales were closed and the purchase price was received by Plaintiff.21 Nonetheless, on two occasions Defendant deposited Plaintiff’s payment check earlier than agreed upon, resulting in the checks being returned “NSF” by Plaintiff’s bank. 22 In at least one instance, Defendant charged Plaintiff a $200.00 fee per returned check, even though Plaintiff’s recollection was that the Contract provided

Id. at 6-7.

Id. at 7.

Id. Id. Id. for only a $50.00 returned check fee. 23 Plaintiff believed Defendant’s demand for the higher NSF fee was in violation of the Contract’s terms. However, Plaintiff paid the higher fee without question or complaint in order to preserve its then-cordial business relationship with Defendant. 24 As November 1, 2011 approached, Plaintiff began to make inquiries of Defendant about the promised return of the titles to the Pledged Vehicles. 25 Defendant refused to return these titles to Plaintiff, even though Plaintiff was not in payment default under the Contract. 26 In order to assure Defendant of its fully (and actually, over) secured position under the Contract, Plaintiff attempted to pay for several vehicles in its inventory in advance of the payment date required under the Contract. 27 Defendant refused to accept Plaintiff’s payment for these vehicles, accelerated all amounts due under the Contract, and demanded payment of the entire amount advanced to Plaintiff under the Contract, even though payments on specific vehicles were not yet due. 28 There was no outstanding uncured event of default under the Contract when this demand was made. On November 16, 2011, at approximately 3:45 p.m., Defendant, by and through its employees Madrid and Jesse Hidalgo, came to Plaintiff's car lot under the auspices of an “inventory check”. 29 At that time, Defendant demanded possession of, and removed the following vehicles from Plaintiff’s business

Id. (referencing Contract §2.3(l)).

Id. at 7.

Id. Id. Id. Id. Id. premises: a 2008 Chrysler 300 (VIN#2C3LA53G08H303839, one of the aforementioned “Pledged Vehicles”); a 2007 Kia Spectra (VIN #KNAFE121675453928); and a 2006 Nissan Maxima (VIN #IN4BA4IEX6C853039). 30 On November 17, 2011, Defendant finally provided Plaintiff with a copy of the Contract. Over three (3) months had passed from the time the Contract was signed until Defendant finally gave Plaintiff a copy of the Contract.

On November 18, 2011, Defendant took possession of an additional vehicle owned by Plaintiff: a 2010 Cadillac SRX Luxury (VIN# 3GYFNAEYIAS516971, being the second of the “Pledged Vehicles”). 31 This vehicle was seized at the Manheim Dallas ­ Fort Worth auction facility where it had been placed by Plaintiff for sale. On that same day, Defendant came to Plaintiff’s business premises and attempted to take possession of a 2010 Toyota Camry LE (VIN #4TlBF3EK5AUI00605, the last remaining “Pledged Vehicle”). 32 Defendant used a different vehicle to block the sole entry to Plaintiff’s car lot, thereby preventing Plaintiff’s customers and employees from entering or exiting Plaintiff’s business premises while Defendant unsuccessfully attempted to seize the aforementioned Toyota Camry. 33 One of Plaintiff’s salesmen suffered bodily injury as a result of Defendant’s actions. 34 On November 21, 2011, Defendant took possession of a 2006 Kia Sorento from

Id. at 7-8.

Id. at 8.

Id. Id. Id. a third-party repair facility and a 2004 Nissan Maxima from Plaintiff’s business premises while the vehicle was being repaired. 35 At the time of repossession, Defendant’s representatives were told that the 2004 Nissan Maxima was owned by, and titled to, a customer of Plaintiff who was paying for the vehicle under a retail installment contract. This fact was of no consequence to Defendant, who defiantly repossessed the vehicle. As a result of Defendant's actions, Plaintiff was forced to provide its customer with a replacement vehicle. Defendant did not return the Maxima for over three (3) months, finally surrendering the vehicle to Plaintiff in March 2012.

By the time the Maxima had been returned to Plaintiff, Plaintiff had lost the opportunity to sell the loaned vehicle before the model year change, thereby being damaged by its loss of value.

After the wrongful repossessions of vehicles on November 21, 2011, Plaintiff that same day sent Defendant a letter detailing its position with respect to the actions taken by Defendant and requested that Defendant refrain from further interruption of Plaintiff’s business. 36 On the following day, Plaintiff spoke with Defendant regarding its intent to pay Defendant all amounts properly due under the Contract. In response, Defendant requested that Plaintiff submit a written payment plan to Defendant by Friday, November 25, 2011. 37 Prior to expiration of the November 25, 2011 deadline, the following described

Id. Id. Id. at 8-9. exchanges of correspondence occurred 38: On November 23, 2011, Plaintiff received a letter from Defendant notifying Plaintiff of its private disposition of collateral in satisfaction of Plaintiff’s obligations to Defendant.

On November 23, 2011, Plaintiff responded to Defendant’s notice of private disposition of collateral, seeking clarification of certain items prior to submitting its payment plan to Defendant.

On November 25, 2011, Plaintiff submitted its payment plan to Defendant.

On November 28, 2011, Defendant replied by demanding payment in full of all vehicles sold “out of trust” by December 2. 2011.

Between December 6-8, 2011, Plaintiff paid Defendant $36,670.00 in certified funds, representing over sixty percent (60%) of the total balance alleged to be due Defendant. On December 22, 2011, Plaintiff remitted another certified funds payment to Defendant in the amount of $8,300.00, bringing total payments to $44,970.00, approximately 80% of the total amount claimed as due by Defendant. 39 On December 6, 2011, Plaintiff remitted certified funds to Defendant in payment for a 2005 Ford F-150, a 2004 Nissan Maxima, and a 2007 Kia Spectra. 40 At that time, Plaintiff also intended to remit payment for a 2007 Pontiac G5; however, since Defendant had not received title to the vehicle, Plaintiff’s payment for the vehicle

Id. at 9.

Id. Id. was not accepted by Defendant. 41 Accordingly, Plaintiff tendered payment for a 2007 Hyundai Elantra for which title had been received, using the check originally designated for the 2007 Pontiac G5. 42 The 2007 Hyundai Elantra had been recently sold to a customer of Plaintiff, and was in the customer’s possession. 43 Defendant refused this tender of payment, stating that the cashier’s check showed “2007 Pontiac G5.” Plaintiff suggested striking through 2007 Pontiac G5, inserting 2007 Hyundai Elantra, and initialing the change in its capacity as remitter of the check. 44 Defendant continued to refuse tender of this check.

Plaintiff indicated that it would return the next day with a new, replacement check for the 2007 Hyundai Elantra. 45 However, that same night, before Plaintiff could bring a replacement check to Defendant, Defendant repossessed the 2007 Hyundai Elantra from Plaintiff’s customer’s residence. 46 The following day, Plaintiff tendered payment for the 2007 Hyundai Elantra, as originally promised, and paid the repossession fee to Defendant, even though repossession was unwarranted and wrongful, resulting in damages to Plaintiff, both for the repossession fee and in its business reputation with its customer. 47 The following additional wrongful acts by Defendant occurred on the same day as the acts complained of in the immediately preceding paragraph. All of the acts of

Id. at 9-10.

Id. at 10.

Id. Id. Id. Id. Id. Defendant on December 6, 2011 eventually led to the closure of Plaintiff’s used car business. On December 6, 2011, Plaintiff discovered that Defendant had placed unnecessary and unjustified liens on the following vehicles: a 2007 Suzuki XL7; a 2007 Kia Spectra; a 2005 Ford F-150, and a 2004 Nissan Maxima. At the time these liens were placed on the vehicle titles, Defendant had actual physical possession of the titles and/or possession of the vehicles on which the liens were placed; therefore, recording liens on the titles was unnecessary. Thereafter, after these titles and the titled vehicles were returned to Plaintiff, Defendant knowingly executed invalid releases of lien on the same vehicles, as Madrid, Defendant's Branch Manager negligently and carelessly failed to write and sign his legal name on the titles in the manner required by the Texas Department of Motor Vehicles, thereby invalidating the releases and further damaging Plaintiff and its business reputation. 48 On December 22, 2011 while making payment on a 2006 Nissan Maxima, Plaintiff was informed that Defendant charged additional repossession fees on the following vehicles: a 2004 Nissan Maxima; a 2006 Kia Sorento; a 2004 GMC Savana; a 2001 Nissan Altima; a 1997 Mitsubishi Montero Sport; a 2005 Ford F-150; and a 2007 Hyundai Elantra, increasing the remaining balance allegedly due Defendant under the Contract to $17,998.88. 49 Defendant confirmed this balance due by handing the written statement of its Chief Operating Officer, Tedd Martin to Plaintiff in a meeting on December 22, 2011. However, despite its reasonable and repeated

Id. Id. requests, Defendant never provided Plaintiff with a full accounting of the debt alleged to be due. 50 Defendant, in its pleadings, denies that it was obligated to provide Plaintiff with any accounting of the funds allegedly due Defendant. 51 Defendant sold the 1997 Mitsubishi Montero Sport, 2001 Nissan Altima, 2004 GMC Savana, 2006 Kia Sorento, 2008 Chrysler 300, and 2010 Cadillac SRX which it had previously repossessed to satisfy the debt. 52 On April 10, 2012, Plaintiff made demand on Defendant for damages under the Texas Deceptive Trade Practices Act, set forth in Tex. Bus. And Comm. Code section 17.41 et seq. (“DTPA”). 53 Defendant finally paid Plaintiff its over-collection on proceeds of collateral in early May, 2012, almost six (6) months after it terminated its loan relationship with Plaintiff, four and one half (4½) months from the date of its last meeting with Plaintiff and over three and one half (3 ½) months after its last sale of any vehicles.

Summary of Argument The trial court erred when it failed to consider K.W. Ministries, Inc.’s amended summary judgment response. The amended summary judgment response was timely pursuant to Texas Rule of Civil Procedure 166a and the relation back doctrine as articulated in Texas Civil Practice and Remedies Code §16.068. The amended response contains

Id. at 10-11.

C. R. at 69 et seq.

C.R. at 11.

Id. evidence sufficient to defeat the no-evidence and traditional motions for summary judgment.

Argument I. Standard of Review A defendant moving for a traditional summary judgment must either (1) conclusively disprove at least one element of the plaintiff’s theory of recovery; or (2) plead and conclusively establish each element of an affirmative defense. 54 When a defendant moves for summary judgment on an affirmative defense, it is the defendant’s burden to conclusively establish the defense. 55 Once the movant establishes the right to summary judgment, the burden shifts to the non-movant to present the trial court with evidence of any issues that would preclude summary judgment. 56 A motion for summary judgment on traditional grounds is subject to de novo review. 57 In reviewing a motion for summary judgment, the appellate court must determine if any genuine issue of material fact exists to defeat the motion. 58 Evidence favoring the non-movant is taken as true and all reasonable inferences must be resolved in favor of the non-moving party. 59 In a no-evidence summary judgment motion, the movant asserts there is no evidence of one or more elements upon which an adverse party has the burden of proof at

Austin v. Inet Technologies, Inc., 118 S.W.3d 491, 495 (Tex. App.–Dallas 2003).

Havlen v. McDougall, 22 S.W.3d 343, 345 (Tex. 2000).

Austin, 118 S.W.3d at 495.

Nixon v. Mr. Property Management Co., 690 S.W.2d 546, 548-49 (Tex. 1985). Id. Id. trial. 60 To defeat a no-evidence summary judgment motion, the non-moving party must point out evidence that raises a fact issue on the challenged elements. 61 Like a motion for traditional summary judgment, the standard of review for a no-evidence summary judgment is de novo. The reviewing court must construe the record in the light most favorable to the non-movant while disregarding all contrary evidence and inferences. 62

II. Amended Summary Judgment Response Disallowed The trial court erred when it failed to consider K.W. Ministries, Inc.’s amended response.

The trial court erred when it failed to consider K.W. Ministries, Inc.’s amended response in deciding Auction Credit LLC’s amended traditional and no-evidence motion for summary judgment. Auction Credit LLC filed its amended traditional and no- evidence motion for summary judgment on August 25, 2014. 63 Pursuant to Texas Rule of Civil Procedure 166a, K.W. Ministries, Inc.’s response was due on or before September 8, 2015. 64 K.W. Ministries, Inc. filed a response to the motion on said date. 65 Additionally, K.W. Ministries, Inc. filed an amended response the morning of, but prior to the summary judgment hearing. 66 The trial court declined to consider the amended response and the factual and legal evidence contained within the response. 67 Texas Rule of Civil Procedure 166a(c) states Wayment v. Texas Kentworth Company, 248 S.W.3d 883, 885 (Tex. App.—Dallas 2008) (citing Tex.R.Civ.P. 166a(i) and Western Inv., v. Urena, 162 S.W.3d 547, 550 (Tex. 2005)).

Austin, 118 S.W.3d at 495. Id. See generally C.R. at 69-127.

Tex. R. Civ. Pro. 166a(c) (2014).

C.R. at 407-24.

See generally C.R. at 483-522.

R.R. at 29-30, 36-37.

The judgment sought shall be rendered forthwith if (i) the deposition transcripts, interrogatory answers, and other discovery responses referenced or set forth in the motion or response, and (ii) the pleadings, admissions, affidavits, stipulations of the parties, and authenticated or certified public records, if any, on file at the time of the hearing, or filed thereafter and before judgment with permission of the court, show that, except as to the amount of damages, there is no genuine issue as to any material fact and the moving party is entitled to judgment as a matter of law on the issues expressly set out in the motion or in an answer or any other response. 68 In the instant case, the amended response was on file at the time of the hearing, but the trial court failed to consider the amended response. 69 The amended response was sufficient to raise a genuine issue of material fact to defeat the traditional motion for summary judgment. 70 Likewise, the amended response proffered more than a scintilla of probative evidence as necessary to defeat the no-evidence motion for summary judgment. 71 Consequently, the court erred in failing to consider the amended response prior to rendering a decision on Auction Credit LLC’s motion and in granting the summary judgment.

The trial court also erred in failing to consider the amended summary judgment response when the relation back doctrine applies. The trial court indicated that the deadline to file a response was September 8, 2015. As such, the trial court found that K.W. Ministries, Inc.’s amended response was untimely. 72 However, the relation back doctrine applies. The relation-back doctrine states that an amendment of a timely-filed pleading is timely unless the amendment is “wholly based on a new, distinct, or different

Tex. R. Civ. Pro. 166a(c) (2014) (emphasis added).

R.R. at 29-30, 36-37.

See generally C.R. at 483-522. Id. R.R. at 36-37. transaction or occurrence.” 73 In this case, the amended response was based on the same case, the same parties, the same contract, the same facts, and the same circumstances.

Therefore, the amended response should be deemed the same transaction or occurrence and found to be timely in accordance with the relation-back doctrine. The trial court erred in deeming the amended response untimely and failing to consider the contents of the same.

III. Some Evidence to Defeat No-Evidence Motion The trial court erred in granting Auction Credit Enterprises, LLC’s no-evidence motion for summary judgment when there is some evidence to support K.W.

Ministries, Inc.’s claims.

The trial court erred in granting Auction Credit Enterprises, LLC’s no-evidence motion for summary judgment because there exists some evidence to support K.W.

Ministries, Inc.’s claims. In order to prevail on a no-evidence summary judgment motion, the movant must show that there is no evidence of one or more elements upon which an adverse party has the burden of proof at trial. 74 On the contrary, to defeat a no-evidence summary judgment motion, the non-moving party must point out evidence that raises a fact issue on the challenged elements.

Auction Credit Enterprises, LLC did not meet its burden. For example, on the breach of contract claim, K.W. Ministries, Inc. offered evidence to show that Auction Credit Enterprises, LLC breached the agreement by charging excessive insufficient fund

Tex. Civ. Prac & Rem. Code §16.068 (2014).

Wayment, 248 S.W.3d at 885. fees, 75 by requiring certified funds, 76 by declining curtailments or extensions, 77 by repossessing vehicles under retail installment contract, 78 by charging for multiple lot checks, 79 by selling collateral for less than commercially reasonable values, 80 by failing to proceed against the bond, 81 by failing to timely return excess proceeds, 82 and by failing to provide an accounting. 83 Similarly, K.W. Ministries, Inc. provided evidence that Auction Credit Enterprises, LLC was not entitled to a qualified privilege on the defamation claim. 84 Further, K.W. Ministries, Inc. introduced evidence of Auction Credit Enterprises, LLC’s unconscionable actions as it relates to the Texas Deceptive Trade Practices Act claim. 85 The facts and law outlined in the amended response amount to more than a scintilla of probative evidence necessary to defeat the no-evidence motion for summary judgment. 86 Therefore, the trial court erred by granting the motion for summary judgment.

IV. Genuine Issue of Material Fact to Defeat Traditional Motion The trial court erred in granting Auction Credit Enterprises, LLC’s traditional motion for summary judgment when there is a genuine issue of material fact.

The trial court erred in granting the amended traditional motion for summary

R.R. at 509-10.

Id. at 510-11.

Id. at 511-12.

Id. at 512-15.

Id. at 515.

Id. at 515-16.

Id. at 516-17.

Id. at 517.

Id. at 518-19.

Id. at 492-97.

Id. at 506-07.

See generally id. at 483-522. judgment because there exists a genuine issue of material fact to defeat the motion. To be successful on a traditional motion for summary judgment, the moving party must prove there exists no genuine issue of material fact. 87 As stated in argument section three, the amended response brings to light both genuine issues of material fact as well as defeats the affirmative defense claimed by Auction Credit Enterprises, LLC. 88 Namely, Auction Credit Enterprises, LLC charged excessive insufficient fund fees, was not legally entitled to a claim of qualified privilege, and committed unconscionable actions as articulated in mandatory precedent. 89 The trial court erred by granting the motion in light of the evidence in the amended response.

Prayer K.W. Ministries, Inc. prays that this Court find that the trial court erred by disallowing the amended response and granting the motion for summary judgment when more than a scintilla of probative evidence exists.

Austin, 118 S.W.3d at 495.

See generally R.R. at 483-522.

See notes 22-32.

Respectfully submitted,

By: /s/Yolonda Sewell Yolonda Sewell Texas Bar No. 24044111 6731 Bridge Street, Suite 379 Fort Worth, Texas 76112 Tel. (806) 239-2130 Fax. (817) 531-9977 E-mail [email protected] Attorney for Appellant K.W. Ministries, Inc. dba CRUSH Auto Sales

CERTIFICATE OF SERVICE I certify that, on February 21, 2015, I served a copy of Appellant’s Brief by electronic service on Robert K. Wise at [email protected]. I further certify that a copy of this corrected brief was served on Robert K. Wise, appellee’s counsel, by electronic service at [email protected] on March 23, 2015. /s/Yolonda Sewell ____________________________________ Yolonda Sewell Appendix I. Copy of Final Summary Judgment II. Text of Texas Rule of Civil Procedure 166a

III. Text of Civil Practice and Remedies Code §16.068

IV. Contract Between The Parties 438F 't 6 >1]3' ." !

T NO DC-13-14570 K.W. MINIS'I'RIES, INC ffdtiJ,Ia § IN +liE DIS'I'RIG'I GQl.JR'I C R U S.II. AUTO SALES, § § PlamtJff, § v ~ § DALLAS CQUNTY, TEXAS AUCTION CREDIT ENTERPRISES, § LLC, § § Defendant. § 116th JUDICIAL DISTRICT FINAL SUMMARY .JUDGMENT After considering the amended summary judgment motwn of Defendant Auction eredit ~nterprises, tte, and t!Ie motions for continuance and !o strike of Plaintiff' K. W Mimstries, Inc. f/d/b/a C.R.U.S.H. Auto Sales, the parties' timely-filed briefs and affidavits, the matters about which this Court can take judicial notice, the other timely filed summary-judgment evidence, and counsels' arguments at the September 15, 2014 hearing, the Court hereby grants Defendant's summary judgment motion in its entirety, dcmes l'lamti£Cs motions, and demes l'laintifl"s oral request at the September l S, 2014 hearing for leave to file its amended summary judgment response.

The Court further hereby renders summary judgment for Defendant.

It is, therefore, ordered that Plaintiff take nothing by its suit and that Defendant recover court costs from Plaintiff.

This judgment is final and disposes of all claims and all parties and is appealable, m8 tA<: Qgllft 9FG<:fs <:x:<:Gutiga tg issue f9F tlus juagmeat Signed on September 29 , 2014 . /" ) . ......, ~ / "':::> ~-p, ;,-1' -o·

I< INAL SUMMARY JUDGMENT PAGE2

Rule 166a. SUMMARY JUDGMENT.

Texas Rules TEXAS RULES OF CIVIL PROCEDURE Part II. RULES OF PRACTICE IN DISTRICT AND COUNTY COURTS § 8. PRE-TRIAL PROCEDURE.

As amended through June 10, 2014 Rule 166a. SUMMARY JUDGMENT

(a) For Claimant. A party seeking to recover upon a claim, counterclaim, or cross-claim or to obtain a declaratory judgment may, at any time after the adverse party has appeared or answered, move with or without supporting affidavits for a summary judgment in his favor upon all or any part thereof. A summary judgment, interlocutory in character, may be rendered on the issue of liability alone although there is a genuine issue as to amount of damages. (b) For Defending Party. A party against whom a claim, counterclaim, or cross-claim is asserted or a declaratory judgment is sought may, at any time, move with or without supporting affidavits for a summary judgment in his favor as to all or any part thereof. (c) Motion and Proceedings Thereon. The motion for summary judgment shall state the specific grounds therefor. Except on leave of court, with notice to opposing counsel, the motion and any supporting affidavits shall be filed and served at least twenty-one days before the time specified for hearing. Except on leave of court, the adverse party, not later than seven days prior to the day of hearing may file and serve opposing affidavits or other written response. No oral testimony shall be received at the hearing. The judgment sought shall be rendered forthwith if (i) the deposition transcripts, interrogatory answers, and other discovery responses referenced or set forth in the motion or response, and (ii) the pleadings, admissions, affidavits, stipulations of the parties, and authenticated or certified public records, if any, on file at the time of the hearing, or filed thereafter and before judgment with permission of the court, show that, except as to the amount of damages, there is no genuine issue as to any material fact and the moving party is entitled to judgment as a matter of law on the issues expressly set out in the motion or in an answer or any other response.

Issues not expressly presented to the trial court by written motion, answer or other response shall not be considered on appeal as grounds for reversal. A summary judgment may be based on uncontroverted testimonial evidence of an interested witness, or of an expert witness as to subject matter concerning which the trier of fact must be guided solely by the opinion testimony of experts, if the evidence is clear, positive and direct, otherwise credible and free from contradictions and inconsistencies, and could have been readily controverted. (d) Appendices, References and Other Use of Discovery Not Otherwise on File. Discovery products not on file with the clerk may be used as summary judgment evidence if copies of the material, appendices containing the evidence, or a notice containing specific references to the discovery or specific references to other instruments, are filed and served on all parties together with a statement of intent to use the specified discovery as summary judgment proofs: (i) at least twenty-one days before the hearing if such proofs are to be used to support the summary judgment; or (ii) at least seven days before the hearing if such proofs are to be used to oppose the summary judgment. (e) Case Not Fully Adjudicated on Motion. If summary judgment is not rendered upon the whole case or for all the relief asked and a trial is necessary, the judge may at the hearing examine the pleadings and the evidence on file, interrogate counsel, ascertain what material fact issues exist and make an order specifying the facts that are established as a matter of law, and directing such further proceedings in the action as are just. (f) Form of Affidavits; Further Testimony. Supporting and opposing affidavits shall be made on personal knowledge, shall set forth such facts as would be admissible in evidence, and shall show affirmatively that the affiant is competent to testify to the matters stated therein. Sworn or certified copies of all papers or parts thereof referred to in an affidavit shall be attached thereto or served therewith. The court may permit affidavits to be supplemented or opposed by depositions or by further affidavits. Defects in the form of affidavits or attachments will not be grounds for reversal unless specifically pointed out by objection by an opposing party with opportunity, but refusal, to amend. (g) When Affidavits Are Unavailable. Should it appear from the affidavits of a party opposing the motion that he cannot for reasons stated present by affidavit facts essential to justify his opposition, the court may refuse the application for judgment or may order a continuance to permit affidavits to be obtained or depositions to be taken or discovery to be had or may make such other order as is just. (h) Affidavits Made in Bad Faith. Should it appear to the satisfaction of the court at any time that any of the affidavits presented pursuant to this rule are presented in bad faith or solely for the purpose of delay, the court shall forthwith order the party employing them to pay to the other party the amount of the reasonable expenses which the filing of the affidavits caused him to incur, including reasonable attorney's fees, and any offending party or attorney may be adjudged guilty of contempt. (i) No-Evidence Motion. After adequate time for discovery, a party without presenting summary judgment evidence may move for summary judgment on the ground that there is no evidence of one or more essential elements of a claim or defense on which an adverse party would have the burden of proof at trial. The motion must state the elements as to which there is no evidence. The court must grant the motion unless the respondent produces summary judgment evidence raising a genuine issue of material fact.

§ 16.068. Amended And Supplemental Pleadings.

Texas Statutes Civil Practice and Remedies Code Title 2. Trial, Judgment, And Appeal Subtitle B. Trial Matters Chapter 16. Limitations Subchapter D. Miscellaneous Provisions Current through the 2013 Regular and Special Sessions § 16.068. Amended And Supplemental Pleadings

If a filed pleading relates to a cause of action, cross action, counterclaim, or defense that is not subject to a plea of limitation when the pleading is filed, a subsequent amendment or supplement to the pleading that changes the facts or grounds of liability or defense is not subject to a plea of limitation unless the amendment or supplement is wholly based on a new, distinct, or different transaction or occurrence.

Cite as Tex. Civ. Prac. and Rem. Code § 16.068

History. Acts 1985, 69th Leg., ch. 959, Sec. 1, eff. Sept. 1, 1985. -- .. - .. - I.. .. .... ·- ..,. ..... "' ,...,,,.., ; .'\.". .n·. !..1'":-!.~~:.·.ti.l;:jQ r . ~JLI! ., I ' !

I c. R.(,\.S-i+. ~ ~- EXHIBIT A

..

DEMAND PROMISSORY NOTE AND SECURITY AGREEMENT !

Fell V.w.t JUC1Nro. <1<11 of !be: lll!daslgncd dtaJas (rdclrcd to jo!nll) or 8wsineu. i1 Cal it'broi1.,. cht tm0un1 ot tht: tiru A,av&nO&; undtr ttUs. and st\'Cfll}y hm:ir\ u dae "'D.t.u..U:.. ...rud\1mn sbaD mea 11:11 appJitlblc "6""""'" must be u I<OSI 5.1.000. == to- todl of obt undmi~ indivlduallv ud on of "'• · t ~ri.:....lul on 'behi!t .of ~ iAdi"Jidually and in lht.ir rt;nutntl!ive c~p~t:i.ry '"'-~ ~ •.':::!::;-:',"' ......... "" ":~~·~·" W:'f'~"'Y ~ •• pay "' ""' oroor or JUJCTXJN LUJlf1 ~ pmiousl:t~ wid! ~..onder fuDds m"'t i("U>mn"), on <kmW 11 Loode<'t principol ol!lu 01 Nott!ll.oc!> ll.ilmlle. Tcus ?SO<! I or 011<11 01b<r pt>co WI L<nder lillY lllCludc a <:OilY of me btU of sol< for an} Urut wt..cb ~ tt.. Nb)o;l of IIC:>~;, orilln& dl Ol>lipio>o., "'our in tllo Tesm Shocl (rho "C,.dit !he "'l""'' iDdicuina 11>< """" P"'oblx pn"' w1 .....c~or. a compl""" O<lo..- DIS<I"'""' sw.meor. ODd II>< u.sr, 0011ifl- ti01l('), fl s.odl ~ trt ltutt s:um ti rna) be *dvl:na:d fran hme to timt. of title sl\owifta """ i1 ha !loon duly ISSil=d to Ooalu. lt Laolor roswo- - ~ """' ""' r.., .. p,...;do<l in "'~ Dcmll>d Pnlmis>Ory flll!lets rn maD .any -Q.Ich Ad"Yanoe, tk Advmoe &b.l1l be ~X~Cmed an No<e and Swuit)...,....... (:be "A.,cm10oot'j . ~ ~ .....

A.dv~ is rude. ~ v~•~l (e) Lentl<t u not ~ boil a>&) malt<. - ll<lli« to 1.1 Dd!Ded Tcnns. ,O,II eopltllizt<l """" U>!XI sl!lll hm tll.e II'QDIII& Deol" .. d .-ithoul rqacd 10 11>c: Dealer's C'mlJ! 11ml' ....,...._ .., osoibed "' Agree!nML O...i lllo del!nildos """"iood in Scc!a:> 1J of ,.;, Deattf 1l bd'Wffor l.tl)' obJiption to a thb:d puty c Cl)' lunt [)eaNw G . ' in default IIOdoa tbe tcrtD3 ot me ~t. lt l,t;adtz t.lflt:tS tu ~ l.l TCTUIS Iktl:~ lA ttle Trus UAiform Commerdtl Code. T~ 00 M<on«, the "-4VID . . ,ball be dcctnool Ill lll<li!iaul Oblip!lon de!med izl tb< T"u l.htlb!n C-w c,de ~ich ... not odl.,...;so under llle ~~ ~ lllo duo oa whicb tt.."""""" il malt. d.efincd tz: !lilt. Ji&Tt.anau art IJSII4 as dtrilled 1t1 ~e Tau Un.itbnn '"" Dcakr m"" be ill oomolete """"'lianoo ..a tiUs I '""'""""· bdln an A4vmce "''I>¢SS will be apjlro>td l1y l:llder. l.milt:r my also ~utre additicnal inft:wmdioa fn:m ~ ia a swom a:tfid&vil 2. I..O.u< inclu~in& bul DOC limillld 10, a s<m:n>c111 IIIII lleiJor 118< 001 us&d f1fY Advtno< !br att} otll" pUIJ'OU thoro ib ori!ina'fy _....., end !.coo Subj«<ro Lilt= aod ""Jdit>oru of !!lis~ u..&r \OU'ItiQt purpose. m.ty_ mlh .l.OI:m: ~ Oet.W;r illl the. CP:Dimmn p.M~:ipal JtnoUnt of 1ht Cre41t l.D.il 'lbe I..oars a:re ~ ~ thii Aarumenl (e) Deolo lhall poy .U Ol>liptims tx1l.cudc1 u lite ol!loes of l.l lowm Rill. mtcut s.ba1l atCNe 01\ an Du.!er ObliJ,AbelnJ as ~-~ o.~ """.... "':.: "".':::'"'....""::"'· ~ ....~,"' I.CII=-· ........ , IJ t!)o ame Deater rtc.t•va. paytrltDI by m w bchiJf of lbc. purc:twu ot (.a) A!l oulru.ndina ObJ.i&Uiom ~ tM .Apec:m.en' shall an it:m or L<ndor·fi~ lnV<OOOiy, (b) n.ty.ol&)u (<l)"""" dlt.t tho d\Stl¢$11100 by J,:alr: or ~\sc: olm irun crf LCD4a'·Fin....ad """'" """<>l {b$4- • 360 <loy )'Cit) ... shill !J< """''~ l"vcntory, (c) die Mllturily Dale Ol (d) upon <lmrw>d by l.atilor W,~; Thcla.,.

IWo plus <l>t w lou -. Ocalc ht;t ......, Mo lntl:re$ &n" be ~:~shall · of lite,.,. l.m<lu lhall 1j7ply ,.a, _ . ""' .. 10 Ill; I.<:Dda·I'IIWlood lnVUI!Oiy Obligt.llon mc::wTcd from wd itm ot Len~·Ffnanocd !n~~ .,.... ·~"'· ,....... ' ~not)'. ocvtnllll or oU!iC ~ teql.lirtd under thi1 ~1, or the dlSf>O'IDoa by We or alhcnri:se IIIQd ~ pqmcnt ~ LttuSn 'i-W~L " r ~·~ o ~ """" """"""' any poyn~ern> .....,"" by Lt.IM!a ttld [he l.tnder-Ftn81teed. ~ Obtiptlot1 W'!Ch rt:10p«:t (<) tr:r\er blt..,hts uy rqvescntation, 00\'Cnlllt" ""'ant)'· to on i<om of L<ndc:r-Fimn~ lavaltory, !1101 Sho.uge shall bo cmiJt 1m0. rm of,_.,. shill be II>< Base RU< plus !be Risk "'nsidered Ul Oblip:tten 09ttd by Oc:alcr 10 l,.c;Mg and t:'.Q.U'Cd vntt.

"-(~) '' 1rJ £"''' of0.&.11 oecun u dolloed ;, 10 of this ~me ooollcal>le l1ll: oflntat>< >hall be ll1e Base Rllo •Ius Sc<~"' C<lU1111:111 0C11u li>J!t l.erlda•FtiiAilCCd Inveoory Dealer shall ply to Lcnrk:r at !tie omC~C:S of l....clCLcr all oUiu {)tllJJ,ItiOm.. on demand anel without noc.kt. The order .and med'!OO aftppf•caticrt oll\lch paymc:nrs !be OdJuU ~lite. or 10e IJI>t""""' ..., ~.-"' .,. o=<Q~tn ''· ""'~· ~1)1111'"~ (<). Tht r""!Wo: Rt* !We 01' Defoult R&u n>ey be &IDOI>d>d or ino<lif:«S b laid« "' l<n<lor'• >Ole d>SUalon "y I)CIS1ioJ sucll Bntnch oiWl be oppliod lire ;~ b..irlcss clay. amend<O "' 'l""'ill<d s... Rue, Rid< Rose 01 Odawr ru.. on a <~ If Deal" ~ in canplianoo wid1 ~~ 01her provUioru or 1111> publlol>ed ...,_ loe ""' tetm 1oh<dult pos1C<l ot URL URL Asr""""~ Lender OliY. ill•n solo dJsattiM. .,.,.,.,, "'llxtemion o1 ww. aucl"-'n:::ltd.ilc.om 01 in eedl. I..endtt bnncll locatio~~;. I...ender m~~ ~e.lbc BISC. Rae, lUst P...ne or Dc:l'aull Rlu by SO bas1' I ~~.' ..!:.'~';""""'o,';.,s-.

Latda·filuDced ltr.-vitory purtuant to lkis 101"""- 1'1- lbc Mlt1Jtiry Om rd.oli« "' .. '""' of l..:oola:·frnanOOI lll•entory, ~ f~ ~~ .~ and 1t1 1•~. m "1" """ ..., "" unn >neet "" '"" =<utcG or...- ~U1 lhc: ... Au«m<nlllld Tam Sllca.

Tatt~. Sbecc ~ DOt mctudt me 10fomutton. ~ B.Mt Rm ~lll ht: 611, Jho C<lotnef lW< lhaiJ be 5.._ Ill< R.islt Rn shall ~• 6% ""' u.o (!) So ~ans ., D<.t~o ;, not 1n oc:faun o11hLs ltilt<m<n' 0co1<r may sell Lalcta•FIDanc.ed lnW~Dtoty to boN Ide purehasas in the Odault R.att stia:JJ tw; ll% I On!inory ond ............. of Ocoler"l "'"""- bul - . in tllit 2.3 Crtlilt Ta"m~ au Proccdl"l'ea. rn or4er to !ICCW"C full aDd promp1 ~ shall bt deemed tD• wai\ltl C/1 rc1eata cy fn~mSC l..c:n.da' ... . ...

P•)Tna'll and pcrfcftn.aneo r.f all Obli.poo.IS Wid in tQ:Mldtrahan or IIDd a . : ;;_ 1t1l)' 1\t\'t Wld.t:r ~y otW ~ in In)' Pfooc;c;ds or repW:cmoocs tilt followtnitemuOnd pn><odu,..>IWI Opply. t..ndc..F~ "'"""""· D<>la ,h'.Ji bold 11r< .,......, ,_i'<d (a) 1M ~isu:.Yito mtkt 111 .\dVuct to Deller ts the txclusivr: from die d~pco•oon " '""' !br 111e btntnc or l.at6or lind Dealer shall pay to la\.det, in-~ With ltlu Agr~:GIJC;Ut, ID 1100UOI eQIW to ri&)u or L.en&i· and De-. """""""" ao4 "~~'"" !hat lend« msy the unpaid balanct or 111e Oblipttcr.s rtlz<inK to tnc oold """ or re~ fC) ~~ an. Advan:oe ll &Dy tm~ wiU:'I <JI witt\0\U" cause l1ld l.mdc.fUI&o<od ln•tnay. witboul pnor ~e.e tD Cea!rr or any t'JtrtnCtlrt. Oeala iJ nOt ·-·r~·-·-- ·~~,~ (h) DealOr" shill ollow Lcn<Jon otlk-n, ~yea. qm~. &nOm<}'. ilcslgJl«< and "'''f''aawMs """" 10 Delio's boob llld

D!lo4AND ~li Nat! A.."'D SUUarTv A(]I.UMn(T (UPO. \/II) PAGE I Of ll Exhibit A 23 I ;•·· ' I ~ ! ' ~·~ : :I : :;~' y.\ .' .-.:--! I"''UI.''-.,\UlPvrtUl L r.H ~c Ll~-L~~--J.iJ~~ r. UJL ' ' ' !

I .-4111 lho Oellcf'sl.<><:A<ion ro - "''"" ot ueoJe. s .......,.,. fiiW1ce4 love.rory. Dtsl" sh&l1 be "'f'''''ible for an<! - 10 pay ue&l<floo4fl mi.)', •' -kJ)' tim(\ that ' IQ - DOOce ' ••tD Doola• W'l'Ill Ot oil of'-<r><ler'l- in CQlrlu«iD& ...W "ithoot""""' d.cmlodl!w tbo Oblipti""' due uoder llrio ....,_,, be immodiltdy ps;d ill 11>11. nr. -~ DWe or this ~· (Q u~ "'~""' by lkol<z oo <>blain. ior •lcsitimm busb!ess doQ llOIIimd Lalda's de<lloo o r - - "!""' • rlef1alt by Deolr.. - . tbo Titloto o -ill<'""" of l.eoub-F~ lmt:nlory hold JoJ U:n&r'< """""' l...ub moy rdcraloo • ram ot d - t.r 1!1< by IA>du, ~ moy """""" die """"'"' .m, in laldcr's sole DUmo,. of · · !.aide. lb _,,. izlll:lost • tile Ottlalll R.ale. D ~~~.~ ...... ~ "'-~.-.~~-~ is ~&!ted !hoi J....u NY dcm&lld ~~ pi)ODtnll . . - . mu ·~ ·~ dmd on lire ~ on ""icllllre Deal" ...,. pbysi<.OI CU>IOII)' of tile ...SO. !hio ...,-:-..:.cr:L• Titlo in 111 ........ c:quoiiO lire Ob~oordl!lO& to lire rpecrfic i"'" ot ~Fi.\anctd ~vtnltlry. The tuhjeet Tittc: mu« be. retUrned lO (q) Deal" sh&l1 UJt all A4vorlec:l """~~' Itt buslncu porpooc.s l.Gade:r ~ tht time period =:!itlbii.Shocl by Lender or 'III'J outsllndlna and not for pcnooal fmWy a bou$tllokl """"""' ir><.l"""'&. wl!llout Oblipticm rriMifll to any Qld!. A.d"vtDoe b web spceiflc lb:ml of limitdion, Dealer !:C.&)' nod. u.e Mvmca 1r1 ~ t. v~ lea be i..<M<>-~1~ ln•cnu:<y ~ bOOlrnO IJIIrner!OJ!ely d•~ ':'." 11sec1 tor Dealers pcnoDil, flmity, or~""""'"' •~•mo.im.IO<,;.~-~n .

0> To f= L.cl'ldtr's ......., Oeol" "'"""'"" l..cub 10 oM.iP CJcdit ildbrma:tic- &ca • a-wit bwcall. and cy 6oancial trumu.ticm 09 Uldt at&rilt ttwl)esler has ~'ViQeel, • wdl at any ).1 ~- c ..... or Sc<artty ......... AJ soc.lril)r fot die pa)O'o<N 1114 ~ otrhc Ob~ lcDdu lllll1 ""' .oodlh< lkol<z llflR!S ..

Lcndcl. a c.oadnwDI: s:eamty intllref.l m •U of ~Ia's IUStU an4 other en:dil ~csciption M LcocScr in lcll.~s. sole ddcntaon !letnu. ~t<. """"'" IOC&I<d. lll<Judm& willlol>l luniWioo. ll>c followill& ~- dildr:.a~ Dea!u also lWbon.zes U:nda" to~ tr.y third plllla to tnfol1natiol\ ~ ·.~ ·~ """'::' "'·"'~· ""':~ _,;: ~ iD!ormlncn con~ in ltJe l...ctdcr ....- Colt"""': " .. r. •• - 1......,.,..1 - · a.alld l'llpcr rrnd Illy Deller ~ l.Mcllr "' review Oeol,.., lC<DUl1t penooic&lly, otll<r sunilat <1ai>1S or 1110 Oealcr b o - """"" "' evtdenocd,

= ~11lch rill)'..._~--""'"_.. whclhor .,... exblin4 01 - o•ned, acqlliled, u=d. IIS<d. or I 111rirl&. <pacifically lru:hr~"'& wi11>our \imiwl011, claiaro, lcosa. (t) All poymmu modle by Oeolcr 10 !..alder VUI - or ACII, _,.. u"""' ..,...,-. lio••ma tos. !"Yll1ias. pollc:iQ. be ~ ~ ar d:r1wn \lpaD Ill 'O'lc: "dnx af lDl&nOt. miiiSI <:r<di< '"'"'''""• pronr!lieo, ._. of <:m!il, """""' or or<dll. blll4"' c;a.- im~IIO'y a.lllable flmds cu!!i""'' 10 "''" - "!5'"' ~: """lmlllrll or or <DSU._ tille, ....m;.,, lllc iloiW """"" of lilt cbtd Or ACll. ·~~ .m-: !.IX ret.. ~ lim. "' n..l.. . ~~· ,, ....- '" ............. '" ·-~· o. rrw<lrnum 1111011DI panuuod ~ low ftlr ll>l>d ill It< Tttol Sllto< ... fraocllisu, ltancllilo rir;l>D. .......... dai£01. marl:dirt ri&JIIS, =~I :t.."",;,."~~--;:;; ,;;;: .;;;;:;;-.:.;::/~ <Jdl ~AOiissucd ~ Dr:olor ...t>i<:h;, subltq.-ty rcouned an1 tiroc be mode by du! Deal«, ~ with any and all boolrl ao4 lbr ""' · flmob. in addition 10 Ill)' clalp 01 1M II)' rmposod !WlniS perwnJn& 10 !hoot: r1SI<ts and 1111'/ r\alli, IIIIo or - in 1111 r:qiel'l anlll,t lmtler's d-irory insllb.tioa. In !he event tbll no

- ltl"fen~ wbM:b pve rise co 11t1 A.DcoQDt,. N all lD!dledU&I Property y,.. Shoe< . bcr:n .-...! or 111 txtQlled Tenn Sbon !'aib to dbdotellre NfF ~e, J!1< NSF iee shall b< $50 00. """""''"' m. -'<!; Lal!"' ·' (Ill) aay P""""' •lc«ra\icatly. II ftm ~ ,.;.,. "'· wocdioon, ~· _.,rod, - ~limlllli;;;: P=hJs< ao4 all oddirtom, ""ct\t(.k.IOJir\a r.:;;:,bt:f,IIX:Ctmt D~ &n4 d\ol:l x:rial Dlm'bef IG Money lnvcatory OOW """"" 01 Oeol"':!::t: ialtitutfr>l. By subwruoa a died< t. "">"""'~ ococmons, _,..,.., rep'""""""'- ...S - · roaodrcr will> any an<! all booJts and rt.:or'ds; Ocala l..t:ruW to intrlce • d~onic rScbn bom iu batik - · w+cn ~~ pa~ n\1')' N &bfk.d Lcoocr """"""" 0r:o1.,., from its bat* 1C1C0U13t 1000 IS !be <hod< .._,...,,y, m (e) All E q - v<Ndeo. ....Uclc: pans. FOour-es. Goods llld all otN:r tiO&~btc pa30D&I p.roperty o1 the Dcala a! way k:fnd or ume Iii) L..cMer r;.r:::tUVC:S Ocala's cbect and it wiD ncr rcocM thll . _, ~rc. whelllu naw ""'""' "' ~ ..,....,., looo!Od, rpe<l~ I. ;~~ _;: .... el... to.id;jb: toot.. d>OI ·,,.... .;......, .... limeos. '·"' .~ 0 M~ ltlltd Ill lilt T!ft" $.bocs 00 til< mmmlllll omouo1 perTMrtd by law 1m ... ' iropltmena. - lll\llTOYCmtlll>. ~ ... atsiiCtlm<n!s. pans. pani!icJ>o.I)'SII:Im.- dtlp>i.. ond appan!US; uy iti!Dl ol Lerldlll'·f~ Unoemoty &ba2: tu.Jc:r fi.W !D remit ~ Ulll!ci t!rio ""'""""'' •tan d"" Deolu adalowt.r~seo and (d) All prt>dlds aod proa<dS or eocl> or 11>e ftr<vlll&. - thai ""'""" foe cllqtd by Laldcf il I rwonal>lt estU'I\Ilt ot lpe<ific&lly includin& wlt!ICO! lim>llllioo.

Lender's ptdiabk loou:s due m !bt delay, inQm=iet~«, 11111 a4Drlni.ltnlive ~ ~ wlt!l • 1m paynitll!. In !lr.t t'lcnt (i) any 1114 all proc<t<ls ot aoy inslnn.-4, -.;~y, •J~ ,...m•T: ~ no ""'" ~- ~ """"""' "' .,. ........, '""' ""'"'· !lliS .... ~w~•. "' pa)'IIIC&\1 ot :r. .00' S2f (1i) any and all poyrr>cnfO of any fornl me<1r: or due m.1 poyohlc ., "" Doala .. ~n witt~~ my ~ (c) Le<~'¥' sl\lll be tlllltl<d to - orul P"bl"" ehiJ!p 10 @ftsa!inn, ~io-n, ~or forfeLam:ofalJ or my Plft ics Term Sheet~ns the same u URL. 'l'l"'fW auetionc.tcdit CUD or ot lhe rere,ina by llll' OOY.,.,_IIl Authtrily or any Pe""" irl CKh l..a!.4a 1 loc:atiatl. Any raitS, C&d ln4 amr:ncimc;na to lhei "'"'& un<let color o ! O o - AUOlonl)', Tmn SloOCI ~- ~ ~ dl.oll_,'>e 0""'1>0rllocl ~. ~~ (i!f) ro '.ht I!Plltnt at the vabat <:4 Collrttill.. claims arh~l , ,."""""' .; - • '"" , r .-; mty ammd tnt rt10 .-d h.s from lune to time It L.tnde:r's w.lt '_, ~;_" = ·~. rnr.;..,.;;;::.,...,_., ·~ _, ., uootllon "':L"'"""" ~wn.,.. publieatlon of SQc:tt lft'lelldmeal! It URL = 10 ......,. omet rnllll me ~ tue1:tooereditoozn or in { iv) Ill)' $ox:lc RlghtS, IO.d ev.tl I...endff ~ Loeaticm I (')any U>d all olhcs' """'""" p.UI., t>~yahle . . - 01 In (p) Dcattr- CICmaOd. _ , lbr pl)'IDCI't. no<lo< of COJ.OectiM w1m IllY of m.. Cof't80itl& whdbn or DOt iD lit1.1 chc dill>ono., i.:t. ... DOiio< ., """""' ond l:.'lplaSty - A~;.:. oll.~~"""!"'due llnda- it "''Y b e - or ""' Ill< IM"'int:

DEM-""'l'1.oulsSOIY NOnAJ'DSECl.N!Y A~ {Uto 4111) PACII 2 CiP IJ II .•• ":,II :...•J: u I ~- :,: I.'~' ..'V .-.l.'l f"'lU..!.:...i.. LUl '1\..1 t:U L 1.. r :\t. !'H'. Ll~-!~L.-_~IJ~Q r. UUj .

addillons.,...,...,..,..;.., O<atli~ .......011$, .u: ....,..,111\e '" "-" .... ... "" poli<:i«, acq>l to lho lll!trtlt ~ 10 oomply Willi IUI>Ui.,._, j~eoh tt11 likf now "'- 11ta:bed tx> "91'bidti .....-ns. or .... tooiJ. JC«Sm~es. )llllS and may be plaoed U\ 01 added 10 u~ - .OMP Ccll&l<nl, wticma or not of like Wid: wl (t) Doaler siWI nor l1llkt eny mWrial clans: illllle lllbltt or !n I Ani ,;&f'IIS, re:medie$, elai.lns Ind. d......ts UDder .. . in l>tnillm a ol 11>0 dll< of lila~ fil Doaler 1hall 001 pam.il any Mill "' 000111 or coo&ti<la "' <Xisl ~lob IllS 1 ~ Jldvo1se E!fecl oad shoil DOC dir<aly or • . . ' . . . ' 4. R~TA M!U. WAUAH11f.S., A."'illo CO'f"tN.u.-n :;;;;:•lunialioR. lho ; . , - . sale. ~ ., '"oblnet or any To indloteu.J.. co""" miO 12oc ,._.,. ao¢" ...-.<Wlllld<my o..

F<P"'Y ar n:odcrlns ol rrry O<IVi<:c:) wldlaoy t<lllk:r or hold<TJ of 1om ODd Olbto lillokw ~ 11>t 0oa1tz (.->io& toe11 or !he my or 111o eqwty "'""""' or a....-, "' W1GI "'Y Alia..., of ~ indmdi.&lly 11n4 all t1f lbt urulm~ aX;txth~y. Jointly 111d Bono.,. ,.bicl> ;, not ItS ~. oo ....,. dill ,..less favonble SMrolly) "!'""""' lftd warnt\IS lol Lendft dill, eurpl U - CIJI""il< b; orovtclcd it> 11><--"'!_cG.cnt 8Cil'r(lwt:r ~ a:ny ot itt Subs:id.it:ria,. u ~lclbMI, rlaa "'~ Ihlt rru.sbl be otuU'Ied 1t1 an ann's I~ ~n • l:bcl o.rne from AI ltld iu - n. o r · - ... todl O<lmiCUy cwt:d ;, 1llo ~pa!\D< .... ... ..... ""''' ,, . ('<) Dtue.INII oot ._,..,.. ~ny or_om.....,..~~"'Y"' afll>iJ ~'Doolcrslllllllnmotliate!y DCtil\'~ in wri!l'o&ol ..y <he lm!U or P<Ovisitlos "' ""1 of "' ortitJco of orpoiz;ll!oo "' optnlio& optmon~ in olrca oo tile - on 1llo <1m ol'tbil ~~ "'~..onder's man.ssa-=t DooJ~·· ""'" "'req-1 lepl.-..4- JN!l - or tOnlroL - dOGWDtlll c:tCt.IJU: IDY type. MGeS"Sal"y ·-"· 1.1 - tliC pllor- - · otl.<oda-. brio& Doalt:r iniO ""1191....., wilh lhb _ , . . , ~) Dulu !!WI not mote "'Y ed""""" ,.IODU>IDY 4.2 rr1><11>W •ocl lleeltnhlp Loco~.. The Doolto's prineipol• IDd AI!! hila. dr.eltAhip ""*""\ an: oes fMII t>OI!toOI!y tn llic fl~ Plan Appliwtcm. 4 6 rtrmltl ud l...ietnKI o..Joo - IIlii 11 lla< obtlintd oil ~i:;1cm. :- Oak:~ his noc u""'any·~ -:,;;; ;;-;;,-rr:;. (~ tune .,., .rcquirtd - r y~pc:mu1S 11>11 """"" """"""' tD locol, - · en<l - IIW OpCZ"&lt i" bU$lnea • a wholesale or RtaA1 selJa, tc:ssor or - ~ its ~ l..ocmico .... ._ds with IUI<d !D ...... t1f Ill< l.alda·Filw>t<d ln...u.y 1114 bas OD!IllliJed ,.;a, oil 6litt Ac:ooura, • lfl)' odlcr k:le:a:lo~ ltqu.-...u "' Of"'11< ., 111e Cllll1y or bostDesl IY1>t on nxord w\121 lhe U Tttk ro c..J......_ All Ccll-.1 u ~~~ <Ml<-11 by tht o..Jor, IIJIPIOPna&c Z'>vcrumc:nt.al otnoes ........ free ltld <lw al 11111' prior securily in""!" pl"'f,t, llle. wiglllllQlt.

Deolet lw tho uner>::wni>Md riahl "' plods<, <ell, ""'~~" " :cHratcrt~ ~. ao '!be Pam!~ ll>c Eneumbr&Does and to 'ubjecs lh~ """*' -·· --~ ..., ,.,,; -- So Peadl,. A.tUODI Otalct 1Jrat11tl.b tt.a& ChcR

·niJQia!ly llld od.....ry &flU< tile ~ ~ ~ 1M' .-.-..v:--~ an: no ltcal, or whidl CoUIIIfti II> ll>e s.i:.aity in>ertot ill fsvot t1f lntkr, ac:qn b Pmnitled cood.ltoa, ftD;mcQJ Gl ~ (lt rbe Ocefc:r or Deater 1 thility to honer ~brmlca. no :finlodDe ammcnc cowzma all 01 Gl)' ponion or me iu:Obli~~- CoDattnl tt Cia file iD &to)' p-\1-bLic. otftor.: odler !han in &vet of L.a\l'kr, *N1 ""' - "'"""' """"' buy dtls valid, ~ pr-i~ ~ tnrc:rn~ iQ ~ Co!Jar.;mJ ~· ............. logo! md I Gur:aatt'd. Dre&1cr sball cause c..:il o\lt'fb ot Oollw m <:XCCUte '· su-tY 10 , tonn pn,.i<lod by ~..cook< in &vo.- of Lcndor wilh rcspo:tlo o I tht Obllplions. If tbiCl' b o..,C11 tn ""'olo ,. in port il)'_ 1 l<&aliY tc:eurm: rteCn1s or OeaJet's tl'-11~ aa4 ~ ~ ., L..cMa m&')o mrsonably req...._.l o..Jor - Locld:t 10 shllt tile I01bcTn4loo 11\d ::~ """""'.:.:"":':: .......,;,;::;~ ~· .=. ::.":.'. ;.';,":.; - roqutml(UMIIUI"" A l l - !111111 bo i.O~ b y - any od'ICI tnf.ortDadoo J"tbQo.& lD Dt:aler's ~ ._,.;lh Len!la tD any ond _,. 1 pan of <IllS AgiOCmllltl. and all pmaas or ~ ., Ll;nda" cScans DCC1CSS1fY eovJ...... W'olbolir 0oe pri<>- wriJion ...,... of 1.<1!tSer 4.9 Rtprue•latkml Jlq..dh'l ~cc.oaAW Exot:pl li;tr Pcntlillod • l Nc&advt Deolk. <ball not pey dultn: filly di•l- ~.- """"""' (a) .

0< """' Cl (I) u a valid At:CXM.I.\'11 rqnt.Selllil'l& PI ~UUid, bent. t'dc . .~. odler loons "' loy prioe!p>i "' ..-ur of Deoler, dtoring ""1 '""' en U~ltptioo..,. ftmn D<llc< IO l.a><lcr ~· . ~ ..... ....:.·-.. ~ ·- ,,, --:-:-.... · ·~ or noz 11><: rip>~ to po)'1lCISt ba. bom <llll!d by pt<ltua'*""· .z:-::::-~

(b) Dr:aiD' sboiJ DOl J<ll. - · lcooc OJ Olli<noise ~ ot (b) " l!oe .. d clear of ""1 - " " " ill wiUcb tbo """""'' lhe CoUatcnl.]« disco~ wilb a.. without ~ 1ft)' af 1ts 001<0 mtry el~m 1 dcdlldion 0t discouor; IIOCl A.tm1.mu., Cll.CCp1 tc.- sales tram fnvaJttxy in the ordincy colll1t o! bu:bll~ : (e) is !.« lftd dear of Iii JCI><>III "'cou.o<aeloims. ,, "' of !he~. ...t!Cihc:r ncnrr OVtlled or be:rutW KGuited. --- ~ _,, r~ Ol ~ aroor:rf"t anci al.l c::cmcriC.tS CO wttlcb lbt! ll a D*l'tY ~ Dal"a- (d) Ocal~ lha1l oot cma uno any e¢o.solldWOD or~ wt~, tn fiJII tJxoo IN! ctfa:<. To me bt.ll ot Dr:&Jtr't ~<XII'. oo Paton is clllilalpl& or Wspu.~m& !he \'alid.i.r) ar cnfor~iJRy ol a:oy s.ucl:! k:ac:s Of or a.c.quisrnon of. IllY Pencn or ull ltll'f Nbs:tDti&l parbon t1f rt:1 .....,_ I to11tr&CQ., lnd the Dealer iJ net in m~Uritl dc!twll undc:r r;rrJ sucb JeMes or "'~ aoqW~ •ny o( ir (•l Dool'j' llWI 1>01 pwcloas<, """""· n:rin; or otbawuo C~Jt:St:Mdina cqulry wterau.

4.11 Rcpr~ntadoD1 Reprdtl:l& Eol•lpmt:DI aDd l1n1tory. Ocalcrlm nol pul'thlKd tsnY tnv~ iD a ~011 ~ co tht bulk nns&:r ., .. _IIJ ...:::!, soaw •'" ........,, poraot« " otlt<rwix 1>ocom< ~..m-~H ~· 1 "- ~

(i) llle ,..,.....,;_ by Boni,""' of ncpitbl< ._;;;..,., tor'~ •.12 ~atltdO., Rqu-dlq Co,..;pt<! CoodJ OeaJet <t>c:s N>l or collcdioo m ~ cad!DJD)' co~ or bi&Wtea., lf'ld {i•) thosr. i.n fl\'01 "'&'&< ;. tbe wo of ...,;8f1011 pxb. Otal" oot • pony to rtl'f ot L<:o.ler. I consi8JUflCJll com:racrs. 0ta1er ~not gcnnlly l:nc:M1I by tts ar:dJ'IID"5; lb be W Dealer shill n01 ..._ '" 1ny tnosaction wilh MY Penon •• Ill• boJ.mtl> of "'lin3 eon:slpxl pxb od\« thin in ~ ord11'111)' ~ of business

Oe.w;o l'>.O!<t!.SOA~ NoT! .V<c $-'C\)>1TV AGllE><!NT (UPO. 4/11) P•a< l Of ll (""lV.O·'·lVII'vl CUll. r. VU"' ,. • ·' , I . . .· ; , , I ol • !.,' .' • ~·- , ·,;,,

,. ~ - p!lttllS, ... "'P)11il\1 11>11 "'''llicolloOS, in • tbmo S.l Loc•tio-. 1'\e DcaW -..ill Jive l.a't4ct' wria:m ru:cic:c of each oftk.e of w; 0 ~acWy ., L<odcf 11>11 -1• for ~ ;,. 11>1: ""'r<ls ol lhc tt.e Oetkr at 'Midl rte:01ds. ot'lhe De6ler malit~e to me Ac~:;Qunn are ktpt. _;,..aov~A.olhiloil)'.

Exoep< wba< notice ;, gMo. Ill .--<Is of 11>1: Doala rdlllW "' the A.ctOLJtiU ut ll\d ~II be ~1 td: the Detle.rship Location. 6.l Cooln<l5 "'" !....- The DetleriNll pc:non.. """' """- cacl> ol " ........,." • u bv Ltnder 111• Detler ..n. from 1,.,.. ots obHp!iom under all """'"""' lc&>os ....S o<llcr OCI""o<il!S (in<Judio& :~ ...;"-'~ .n to wlolob lhc Dcakf ~a pany, "'Y s•cll - ,..., or """" ·-~- '"" ..,...,. ...., P"' . noti~X ~ l.mda. taz_etbcr wtlh a d~ as. to die ~ IQd SliiJJ!.

Allu 1 h t - ot lll'f o.&uJt 01 u - Oet.aul!, u.e DetJer shall noc - onodlfl', supplemelll or o<MnriK If"" to my olllll&< m lillY ~ !tate 01 (l(hc:r lf5l'OCnlefll OJ WIIVC III.Y pro-.oi:s~ wittMd ~ prli:t WT1lttiD GOMer'!\ ortender •. "<~""''

SJ Pcfl«"'" ol S.CIU117 ID.....,_ 1"1w> Deal" ll>&ll ""tlltaiotllllll "'"'be ~I"' obinblc."' "'"Lend« rnoy Q<hQwisc - l y n;qoc;st.. so as •an umcs ro mamt&Ul tht va.lic!iry, ~on. c:nftl'tcabiliry (II o [lepo<ll A.c<llUOliC """" ... 1 cormol """"""' IViiii and pnQrtJy or 4ader't. ~ity 1nltfCS'I: tn me Cdl~ten~. oc ~ enaeLt t.cn4c:r, in form .l::lltl subsWl.oO saas~:y to l..md!r in order to L..cnck:r 10 ~ ~ Ot tll!or:.e ia. riihts h.e:rcmdc lm.d In the incl,.,.. Jl" t.e.de>- CoalrOi of the llq>ooil A<JOOUD< ,_

- Collounl, bul no< limilo<lto: ,., ' ~- . Iii' odlcr de!>oslll (..-.~ Of ....ill. t1JD< 01 llemllld, JI"'VitiOIIII or final)"' be OOI!fieol or~ securifl' --~ (b) 4 w"""". a Loo<la IDlY reasonol>l)o ,.q_., dally _ , . tft'o<13 ttl obooio tppll<.\ble ::"..':"'-:-Ill'';.',',; ;;-uW.":'".na;ng; ... (b) ddiW;J to~ ~ Ql' fDDc.ill i:U]D.tliem I IUb!l', iD bm (<) dcl.kmc ro Ltn""', """"""" or ~ b)> Olld wbmn" ~It ,. u..!cr, nnsfar1q owoenllip of 1be InstNJnelt\ c4' mig '

~"'~'- ;:r::;.:.~~' IS t...ta4c:r may spcc.dy, lftd stlmPlnl Ol rl nwt1n&, 111 1 . , _ -table 1e l.tAdco, .,y &ad all 0....~ _,;... ~ Ptpct. . ell- Dcposil A.>:oual !D Ltnllcr <I" triJISilornn( dOitiniOII and 00111101 ...... clcposille Leoda.

6.5 IAtnMI-Crtdll Jt;&... The Dctla- ...m. """" .~· "'~""'!

~ CU310di~ t:au$t C&Cil I . "' (d) inle kl<kbolc. """"""'"" ....s Olhcr Pr~ of <he lelter-<>f.a<dil in ' " " "' am L<loder Ccolnll or lhc lclltl· """',.,....,. - l y ..,;.-y"' l<ndcr, of.ccdlt """'- (c) 4""1: and dol~.-.! "" 10, ;"""""""' of 6 6 u...11111ct .... Suurim The !lctla WID pemit Lmd.. to ..... tile 'PPT"''"* lJstxa (IOd, if todd with a 5CI:\II111<:1 llliDmOdilri, sud> pl..Sp. form IIDd ""'*""' ~ .,;gnmoms "'" loc:ILbox - · ;, - -...h)y ~ 1e wd.,, r<lllllll 10 tlK -;, $(1(.01ntJes in~) of~~~ $CQWlr:;s ~ ue CoU~ -~ crm:,;::- ~~"l'l', ..~ ' ""' ';,,';"r..,. ' "' J <'od• '.; IIJl~ccd KQJ'Ittlct md rouoven; l1'14 rep~ fD f'Cf\ea dle Lien - ~~>t>llcob llW'. IOd of 1.mdcf liJ>Otcd pu,.,...

IIUI ~ Th< Detler ,.,u ,... Ill)' U> ldUru nccmary lO ~ lbt issaa'S of LD~·r.......ed xcwilic:s whfd:l are (t) by ~ ti~ of its ~ rep~ bdc.-.w, Coilateral and wt\idz ce ~ 10 c;ause Lcru.irr tD hiVC tDd n:Uitt Dcolot ..- l.oo<!cr"' 6lo >pimllleola,- 01" ' " " " - . . . Caab<>l '"" pl«<!l<'l .....noes. """"""""' b. - "*"''l<nU IC pede« U.,. ill !he Collalenl ~ ''" Ol>l;ptiacs ;. fonu lind """''""" ...~ "' l.cndcr lwhfll ml)' d<sail>e lbc Ccll>lml w'<h Slldl """" .... dl

,.,.;M cxa:cd"'tl -.ty·four (24) lwuB, "'*"" sud! it<m of U:ndot- Ftntno:d lnYenlOry 1S rhe sub_jot:l: of• aaity ran&J ~ I'Cil-to-0""'1 •s--t. 1 - hetc/pl)' - - - ldliJ iosllltmmt Sileo a>DIIIIOI, or Olh.....,. .,.tl>oritt4 mwritina by l.a>da.

12 StJ<t orr....,..,. 0e11..- wlll<ll. lcuo. 01 "'" Lca.tt..-FiAtncotf lo ·•' • o "' '"'"""' ,~,~~ ,;J.... "-•""'< lwKinou OM ""'

AQWD<nl 7.l C.oolllioo of brreo...,: Loran-. Detl .. lhtll ktq> til lnvCIItll!y in Soo4 order lll'd CODditM cd &hall mUut.ifl ful~ Kante *Zid OJtrtp~ books ond ''"""" ~..,., ..,.,w "' tnvat!Dr)> tt an tJmco. DetJcr wn ~<ttl~ tiE l.c<llla·Fonant:«l tn_,.,. """""'""""' tll phy11col nsla m .....,.ts ""' """" policies ~- by .. .,.,_. """P*IIr .. "" dccnt<>d MOmtl<olly opply; Wl!h ltOjl<t< 10 lilY 11CW '1'!>11""""' !'or lnttllo:ruol Doak1 fJJ!.s to prtJCurt. JMintain m provid.c proof of tnsufWt: ~.

P"'I""'Y, 111e """""of ""l'"""' ~ b loiCIIcc\ull ~. IUl<l •ny mtCM1s cr ~ortS:. mo Dealer &hall CJVt Lend« prompt ..mcun Lmdtr may, Ill IU 301e dlscnliGn, pyrd\1$e lft5UrlnOC DCICC'I5.MY CO~ "' IDtat:St ond <Ollect the ooou lrom Dctlc1. Dl.tlor sllall k.,. Lmdcr· notict M wna._ \ Fira.ntt.d lnvc:ntory bcid fa" rcat.m..owo Or ltii:SC: br;:t/~ bert COYacd l)y m r.d~u.atr: atrVicr: cxmtnt.t ezr WI11'V\ty ~ "' Lendll' and &hall 6l Slll'¢'"'"''"1 ~--~~~·•· Con=mnty with ~ <>=lion of llllo Apna>t. ,.,<j...,.. ooqoal of l.cmkr, lh< D<ola slllll """"" IIIII I ~----~-------------=----------------------~~~ D£).w.D l"ROMLS:S()R~ Non A."O SiCUUT'f ~ {l.:l'tl .Ull) PAC£ 4 Of 11 •• • '' 'i '' ,;...·~·; ; I ; ··~· .......... J .-.~·: f"'UI _._I Vll\.rl t::U II,. r. uu~

• \ltllt &.at i:t ~k 10 LcQCa IDd is mwcxtlnt ~ldilicm .r ellti.rrca.

81 !qulpm'"' LDcatiooa. Doolorwill pve Lcldorwrilrai!IOtio<of<adl 7.4 WertlDUtJDt.a ud LIDdl4ntt. OQJe.r shill DOt SI:Ore any 0\llenll loeation It ~lcf'l Equipment is c. wtll be tt.;pc: 11 all ctrDts. pO"ion of lu ln.btory Wl1!! ony ba.i«, - - . . . . '" simillt pll1y &l £qwpm,.t Coodlllolt Tbe J:lukJ willl:t<p thc £quip111<111 ill plOd willloul l.todor's ~. - """""" If ln""'IDIY ~ so .....,~~, Deale: Will, """""""'Y Willi 110M& sud! ln•"""'Y· ....., the ball«, on1a and rtpa~r Olllirwy ....,. lOCI ar aoopllll!, ond will 1101 - or . ._,, . ' I .A, • ' .. cloOim 11>o E.u~man or any pomon """""~ "''"~>~ in ll1c C&$C o! ol>sol& 1t0n1;t of IN lnv.,..ry. The P<oJcr Wll pn>VId• Ll:nda wll!. "'Pica ololl IIJtcndlCS ~ the Dealer and Cl')' baUoc. ~an, 0( .Li:mii&J ptrty and shall delivc:t 10 LaKitr a llmdlorcfJ 01 "Mirt:bcwm.ul'J liCll W&lva m 1 1oom ~· 10 L<n<ler, prior ,. "'"""~ 11110 any mo!UI.II it>~< b _ .. - IX busii\MS &<!lil\tl 7.~ CIIIISi(ll<d J.......,.. lht~ny r\ml! ony ollh< IIMI!IOry ~ pii!O<d by ,;:;; ~ •:,:::.. ' ~· ~1 ~'"""' ~w - • , ,..,_ ~

(o) ~ole Ll:nda wi1ll 111 """'~ . . . -...u 004 0111<1 1.4 C••pllao« ,..Ill r-a. The Deal<r wiU "'" ISO dl8 Equipmall in violation or any IWUte, rule. rqulaticiD 01 ~ or a.ay policy ot t~ end doclt.mtof:llrioo t:l bt used In ~ wtt:r'l 5ucl'l """'tom"" lou otw~»a. Nil be 1n • rotm _ , .. rn L<ndor); ln.s.urwtcc.. De:ala will neither '* the f2quipmc:ul 001 psTD.~t cht E.qu:!pncm to be l.I&Od, trw .-,y unL&wf\lJ JIWJlO'iit 01 !':OnDirf tO In)'. stlnl1e. le.w, (b) I """"" ODd ru. ll>ptOpfii!C fillaD<Jq _ , ordlDaoct ' ' rquilllioa ~ 10 Ill< cql!lmJoo, ..., - " " " ' IX OOilrroi willl ""f'C<C TIll)' lnventoty ~ lk ..,..lp< IS oonoipcd ollbe Equipmcrt. =.,.,;, .,;;:r . ' •.,. -~ E<julj)rn<OI, p!<lYI... IIIII: (a) tile fUbstitul<d ~;, 001 subj<C! to Ill)' lim"' 0111cr entua\b'fmoa and h~a a fair mJitet .,.due ll kMt ocpW I) !ht !b mllttt oflho EQUi.....,t b whi<h ~is Jlli>SiituiOd; (b) ...

111c lM!tlllllrdrty ttnd ~ ,..., . . "' ........mt'l:7iJY or Dealer's ... (e) . no1ity tn ..ruJna all ~ton of lbe <On!il:D« tbat .,. or lhe q><r1111oo of Ilui<J's ~ aod is sold in """'' '"""' ml) be l'told:eft of ucurity •eftS .JJl 1he tzn,tmory ro be COD:i~ thlllhe Oc:llei ~to ddiver C'Ut:ain. lnvctllDf)' Q;~ the «<fL$l£RI!i!: in ~ m ~ fcl mmcy Cll lnex:Uea' \ll(llrdll • leas~ equal rhe fair"""'~ Vlluo or ..... E<lulp"""' - l o r , 1114 ~:a

• ftmn ~IC 10 Lcsdcr (d) no Default or UQ:t'NIIUred Dcfluh: hi:S oca.urtd IIDd is (f) ...Jmo. 11l.<ndc:r's 101< dt.Qa>on, wolor tM~u&b l=!Ol'l OOODO.U.~

tubjeCI to Le:tdor'S security intaert .,_,;l.baul [he prior ...,;[f!n ~I'ISCftl ot l.cnder. II any Equip""'" is <X wtU be IIII>Cbod "' ...a.,... m s.d> • ,_..., ., 10 i>C<XIIll< a ffXI\ue and IN r<a1 estm is cnaJmircd, rllc: Doaler Will oblaiA &on> Ill< holdct ol lh• m<:IIID!noo< a ~Tllltl! ctldSeZil aod s.uboN.inarioo to the Sit!ICUii.l)' lnJUC:S~ Jl'fltlbl. or 1 wrim:a dL.tc:l&irncr of !Cl'J ;~in 0.. Collsra.t. m olonn ~ <ol.a>dor.

7.6 llzopc<lloo. Dcala Sllall allow Lea&. aod 1~ _ . . . , ... tD . ,...,. inspect tile l.onol<o'·f~ ~ dum' """"'' Jlusio,.. hours t.4 11 9.1 n~. to """"~ Collateral. All Colltlot1i """'"""' a4tr IN 411< of tile Aprrn<nl V<lli 'o< ll<qUim! by tile Dealer liu aod cl<ol Of Ill) Diller -lc .U... llld to ll'ISp«< ttnd mo&t ""'"' o! Oulcn book1 I im, S«urioy imtres1 ot""""'"'""' oxeq>r l'mnltll:d Enarmbraao!S. and mconk. Dea.b shoJI poy U:nclcr upat d•naod b IN """ llld - ~&kl·~ """""' "' L<n<lt: or iu boob .. -aruv.. b sucll ins)>cctrens ra:onU *ld audio of Dealc-'1 Ltadcr·Fil\ll\O(:(j or 9_2 P•rlhtt AulliUc.a. '!k .tacUtr ~ tD dO 3Utb rtaalable III:::IS """ 11\ing,< lllld <lelrver or """"' 10 b< cldi1>md sud> otller llo<\mtcntJ " EJ>c.m.'*"td) to .....,, tilt p>ym<r~~ aod perfonnaooc o! ..;;;•<lrlipticm• aod ro lldtrld tine"' tllc Collllr:nl apmso aoy P<n011 c:lalmirlfl Ill)' imcrUI th!rtin flljjY!!Jie to Lender ' Tbt DeaJtr e.u!b.ori.ze.s I..:.nda. II the expense of d'le Dealer, to e:xb:'UtL lD4 6~ 1 f\nancUJ& m.tO'IWll or IIII:SI::mtl'ttl on IU. bdWt in those public otlia< doanod advi""'lt 01 """""11 by J..md<r 10 prottot IllC s=nry - of L<rt<lcr. II""""'~ :r In, tile O..llor

Wilhout !=line 1M i;G~Utliry of tho ~ .r'i>c 6:dcnl Fau Ubor Sbt>d&re,.,.,., '"""to&.

Duict <llall "'""'') with d>e """"""'·in 9J IPSUr1DCC. oondua of its bo.A.iriea Ot::ab sh&1l notit\r l.e:nder immediately of any •iolwonby o..1er 'rille feu Lobar~ A«. (a) Tho Doala Wll ilave and-" :Ill times, wid! """"' imonu>ry ond £q\lipmon~ ~ '""'""' by OOJI\l)Oil;.s ow.poablc "' Ltoclor oov<rinc riW ..,.,manly liiSWOd apinst by ~Icc ~ in bi,I.Stl\t.:S.S Sitllill:r to Cbll· tJf rbc 0t.aJe-r In

; - - .. ,. .... .... - ..... ····· ' .....,,... . ~ ""'' rv• .., ""'' "' :· r.:. :1 v. i. I': !':!.-_JtJ:OC· . . uuo

-· ~ ......... .. """" 10 <Ill! o! <be Doalcr' .. mppcl Ill bu<ineu ''""'"' i - ot.a\1 b< ~le 10 du; DcaiQ' ll!d l..<n<!<r U 121011 IIUtlOSU llllylj)J>tll'l (b) ln 1144l00n ~the inswtaCC tequirmlt"ntJ. s.e1 rtwUt in Stdion S\ICh bv ~ by 1.tndtr IDd ...... lhlt l.<nckr ,..., clllocdv ....... """ 'CCXI'mrinl firm m ardar tootltlin tnbmlrioc 9.10 T......,,. of Collatcrll. [)c.oJa shall 001 ldl, loose, '*"'"- ....rtr Of othc:rwis.e: d~poM: of111)' ~in IDY c.oua:r.1 ~ 9.3(11), llle Ot.Jet win C1Jr¥ any other tnMwc:c: and IJ!tOUTit1 for {I) ..... af!tiWIUC<y in Ill• on!inory ...... ofbu<inc:s>. periods " m!Y be JW<>nabli r<q~~ilod by Lender, 111d ~ill dtl- <.o "'' li--- - · ........ ··-lt>OIIS oflnlolledll&l P!o"""' in""' i"- tivo {l)cloyJ prior co dlo <Jill- of m~ poli<y l.<nole<. "' ' ..., risb. ' ... ordllli!Y"'""" otbu<ioott P"""""-anc! (c) dupos1tio"' of Equip_, iooooo..donoc "*''I 5«0011 IS. (C) All """"""' policies shoiJ eery """"'"' ,..._,ll<IIO!)' -·sloos po)'lble < l - . l l l d - or WI!TIIl1\' .. - ..

10. !VJ><rS Of DUAIJLT ~ort.eolor Tbc iDsunccc cotific.all;::s eYidc:nciD& the Dealer's 10 I !vtAJ:t ol Dda~ft. The. occurrau:c of any t1f !he tb.Oowtic.B ncms :\?1::0 ~ bt doposilt<! Vlitlll.tnder. lOCI in <be evomlbt ll<olu sbal1 be ""'"oe..d aa EVU1I of Oc£o.iJt. '~ ' ..... • . I . insw.nce &DIS !he- c.os:1: dull ~'ICO ~ ·~ *Z:I Oblir:Mioa ot' II) 111< !leola t>il< tn pa1bnn ry of iu ObiJ&ajioos. """""by Ill\' Apancrrt lnd all """'C>Qlondc<l Wll t.c. - ~ ~ 01 C O - UlldCI ~ """"'"""' , bU1 1101 dlo DcAull ..., of intrttst 0<! tbrtb .o llle ~ ....1 poid. If lll!llT<d 10, f>ihn& IO tnlU a imUJhnent of prio<lpal Of - unda ~ by~, lho Dealer slllll d<liva ocrtiliod copia oc tilt lhl1 Ap<mcnl"""' doc or upoo ll<m.md; or paliei" 10 . Tht Otalor sUJJ poy oJI , . . _ p!tllllllllll ~ """f .,. C14 s11111 Pf<mdo llllntiblte poli"" of i=-oe Any~ .. ~ ltlldo by me Deolcr b found (b) u.:..J<I ~ II aoy ~me otjeco. ~ !ti>>Jiabl< COW<, lilY rucll "'11ne 110tollllso"' .,w....., -r -~ ~ """'Rltde. or ""' ,_..., ..rofl-. FbuoDdal """'"'"':.-. •<>tic<. or olhtr polieiOS of lllllnOOe fllrni.&/lod "try 1tlo Otaltr. Th< 0uJor .,;.., Ill ~Ill<- o f o l l - inol..ttc&.- -~~ ..., ~ ..,;;...,_"' .;;: ...... ~ ,...;;.< ..... awl< Of ...,h ...... :;;;,;.;. .. ·~poyman of lilY;;:.... or-..;;;;:;-;:;.;;; (c) Aoy damae< or -1011 of a pa.c ol Ill< OOila<ml ""' .,po ... ~"'""' ill -..cy.;,.t~~c~ "' co4ortc .., droll. cbc<J< Of ~uriDJ tf'ld Agretm!n.t oecurs sad ~;~PfOPrim ins.U!WioOI! aaming - """'of P'")'IIICn1lnldelry liS - J.cz<icr 11 "Loss Pa)'Ot'" ~ ooc in ~; or 4 Cotketloo I ;olla!UII. The Otaler or lOY o..nmot botomeS """""" or J0111111ly all - ""' """""11> oollcui< II! ta.&.

Th< D<al<s ,.;IL Gil$'""'" Clq)QlSC, rnUo:t rapea "' .., Conlroral !ndlldioc '*"" ..,;on - io,;;. •"'"'- ol tails (d) pay, .. adn>ils io ""~. ~ inoblllty .. pay, ill ddo ~ ~ sud> ""'Uflfl... II> Dt11" may dttm odvisabl<. a:t. • tn..~ R:Cd\'U or OCbcr c:ustDchl:l'l .h lhe Oc:a1a' ot Ladtr May ~d Tid<. In <h< oven~ lho Doola Wb 10 pay lOY "'Y propcny of tile Dtolel, or mUl:s 1 pcn1 "'"""""' lbr <be tl:U:l. premiums. or toes. or fails ro dJsdwgte ltly llcas or benellt of aodiiO"- "'· ill dlo - of m opplicoiD, """""' or KqWCICCt'lce, a b'uSCt.e, n!IO!::iver Qf ~ comdtcn it ~ CWms apWz ~ lt>lUir<cl 10 be pa;d or disol>arpl by <II< Deal~. Dr Odls to m:AIQ.in ll'ld file wi.tb 1...cn&s my lnc:tlf'IDOt i•v<lllmllrily for 1M Dctlcr 01 ft>r 1 "'ll<l>ntial piS! ol dlo ~ o! requlml by this ~ or it any i~ ia W,p:oprli!C tD tbl: Ill< Jleola". 01 any l>aoiml;>lcy, ~.deb! arron&•""'"· or t.iruat~oa. m LtAde 'a rt:ISCNbJc disc:rccioa. Lc:ndct may, WJibout demand 1 011= c:ao: or prococ<lins Wider Ill)' bllllloup!q " ~ lnr, or ' ' . Ill• 4i<!Oluliul or 1iouidJJiica · il comm''".,.. in ....... of asscrud ,..;"'liS!'.;;;'~ <1;... wi<fy .. ;;;...;, rt.c Dt.&la; or ,.;; • - or

'*- (will>w orry oi>U~I'""' Ill d<t<rmioe lbt Vlllidil) ~.or pot<:lllso any Nl "'f' cq>enil<d by l.eodtt <hall beocrmc C1 ObJiptioo (e) JlJ>y aweri&J """"' m -~ """"""'~'- or oamol otiSIIIIIICC of ate De.alcr oca~r~ wtl2l.oul t:ht prior~ ~ o!~ Of """"'<!by "'~~and - - - • lbo bll,1le&l dt!Wit"" {Q 1ll< ""hmtaty or ldtniniUzotive <liltolollon. 4QQJ. ~ ot o! anm:rt <11o ...........,, weil poid. """enhip or - of Ill< O..W: or 9.6 ~qotllble C4Dattnl. l! ""Y Coi!Wnl, iaclodina ~ ..,.isu or a 1 - or ~'' <ldYioe of mOlt. wtdi<ale of depolil, oe1:01l>b~ (&) l.tndtr, "' plOd - """"' I10Cif iDsc<w"o !lor ay - .•• ,.,;,r"'" ... ' ~ »-•. ·~ ::. = .. ~ 10 UiRdo< tnd prioo to ""'"""'· shoJI hold ~ m I pb)'><col (b) """" - " ...,. ..... "'pro...... """' -itos trust b Lender. ~Dealer will g~vc I...cnda IJtTltteD nouet etCh time. ii odi!io<lll.ll tiot>r• Cdl&!cttl 11. Rt>Wiw 11.1 - Guerally. Upon <be """""*of my Event o!Dctouit un0t1 8DY -iioci..W 9.7 CoaD'Icm. Tht Dc¥a m.aJJ rt:mam li!lhlt: to l)tl"fGnrl ia obliptioa3 ill She Collatnl as lllourl> ll!is ,.,..._. llld not booc enlmd d !.«<ib WD no1 io<.ur "'' ~illllioo ll1Uicf 1111'1 10<1 " .., timo •= "' Evan of Or.f>uJI. U:ndcr 011)'. • lu """"" 111d willtout nm;ce ""'"""• my and &II of 10 nl!m iD a _ . . , IIIOCli:ISM or """""'~,...,., Pflhls ~. <llO<IliT<IU 1>1111011 and ":"" exm:ue or my n)lllt WJJIIOI """""" P'""'' Atta ..lillt Sjl .... Deal" !hill maiiiUDl a tlllldttd llld m<dem ~- ........ ·~ tymm of eo«>>>lCCni UIICaWanee with OAAP whicll =~AiDs inio<mGion 112 4C"tdel'1riOG. U:ndcr lha!i 11m lho rigll! "' - ~ ptztaioinC Ill !he Cblla!xnl 1llo1 ''IY from runt to om< bo ,.,qoostcl by p>yrW~t of Ill< OblipDons under tile ~ IOd t!tit ~~ 11\d Ltnda. ! )I)) odla ln<lobltdntos """' "' """""by Dca!Q'.

9.9 los,e b"'mW ~ Collll<tll and Rteor61. !Mull Dealt>'' "'"" Lt<iltr m.IY i . - . and ~ ,;, ' , .. ,_,.,.; 1l.l Po11'tT 0( S.~W:."" shart h"e 1111 rit,bl> 1M n:mt<llos l'l"lol!!e u l&w or in equi~ ~ · with.orA lim~ Ill& .1&fUS. Wld rt:medicl of 1 11\d 1<01111<..,. am qu.oliJy, quantily, value,lll<l C<llldition. i.«<dcr oh~l - Jl1l1l' undcr tile T""' Urull>rm ~c-IS in~ fk>n ·~ ".":"J:. ~~ ...... •w•~ .__.. 1 """' ousmcss noutl Of ·~ =!"""• dllrln& II>< usu~ llulioess bows or any tll.r>! pmy haviog""'"' """ tile juriodu:tioo Mia< ridltt. <tmfdl" . . ->. includift& win..tt ~ or~ Oea.b, to imp«;t Dt:a~cr·s boob Inc! ru.orlis in ordc- to lllnillliOD., lhe: ritJ"II to t*e possesston oflbe CoUittral., and au N purpose v<nfy lht """""- cl.ximon otor any"'"",..,.~ to !he Coli am! ~ mlf, ~ tat u tbt: Dt:Mer em siYC aucbortfy, ecta ~ arry and tlala"'s COOI!irion .lfld ro CIJPY DcaJ.er'1 bcxlU and Jt.O:)f""!h """"""' "" """"' '"' CoJlawsl may be sitii.Ucd 10<1 .....,., lht Colialtnl D!:ller WllVW: me , to ~ a confldt:nti.ll rdMtiQ!Hhi~ if any. ill1"4)' ~~ l.wda's r<quesl 111d tn tile """"' Doola '""I' lawftlll)' &> so, Dealtr s.l\Gll ~ncmblc. ~ ror ranonl. Pl oW::& rvail&ble ~ Lcnlkr lf a ""' \Oitll 111y linn m oolll!OCIJoo wttll "'Y inf""""""

0 """'0 !'oo><l=t.l ~- SEcuotTY- {1Jro. 4111) PA0116 01' IJ .. "-. . . ...... r .:...•. .!!1-.!':.!-:o'J:r~ V -'I ~ ..... -·. .......................... , ...... 1"" ;oil,:.

~- I I bv I nodn _..., ,. I ctlOVOill<m to l..endt.. lilld ....., or panico pr\llllrily or ~dy l;o~>le to L.c:odu uru1ot me Dttltr, - iflmi o( Coaalf:!>l 10 J..endoo ll\11}' 4.... IUfti<Jalt to ....... Ill Apenocnt; of Dealer's Obl~om to L<nd«. Dtllet . _ llllllht C.Ualtnl ~ of (d) Rdco!o 115 SOCIJrity ....... il> ..y of die properly - the 1)<>0 ~ told on • =osoilzd - onc1 lhlll Lcodor ,_ no toy o!lhc Obliplions and pcrml1 any suhsniUlioa or~ fot my ool.pDon to·~ Delia prior to a w.. Deller- lh.o!"" (10) day>' wcl\~;104 prior """"' oitia< af lht timt ood pl"" of Ill)' pub he we of Ccl1atcnl or oftbc omo ~~any~!~.. u.lc OJ any~.~~ is (c) 1\cson ., 111< ColllJaiJ ~ the ':"!""'" of Ill)' or 111< l!ilaoccd b• leodOr II 1110 .mo..,, o.;:j 10 L.o>dor on IIW ir..n, lao ..,..S or .h~1 ,_,.;;;;;;,,;;ed ......, Ill)' , _ orillllnlV or - 1 ) - ...-.lily ~ by L...soo iu pn:p11111i0n of di1poliUon of lht liohle 1m 111y ollh< OWptions.

C<>illrall, shall~- 1 a>mn>rn:<All)- rusonabi< m<lhod of ~don ot.IIW C<>llacnl:l Lmd.er "")' lo it> 4Uclaion 1r1Nf<J 111y scwri!l<S or !.coder shall ""' !lave Ill)' Obliplico b '"Y """' 01 omi<Sion or ddoy of ocher ~ oqttsnrutma COOilertl infO its 01oWD nlmt 01 that of its lily h•l _,;,8 in lhc liquidOiion cl IDY C.IIPnl, ~ l!!e - 1114 ""!""• "" - md bold lbo lllllC " se<w'i1y lbr S<Cllcmen1 of or 11\e co!loc<!"" of Ill)' Aoeouol or fot Ill)' <loiJiqt ~ 6cn oolla;;t;oa or ~rtlQit txeq)t Uab1hllDISi ruultins from WIIHLI ~~~= ~: IIJPiy il oa ~ or ~ due oo Oblipli= 1o 11\c ' . Olb:5 "'' ]111<11«:1uai lht p,;,.;rt._ mueon<!ud by Lcndo>'. pdwiiJ ~ oith Ill)' - I a . - · ll1de drnl, oad I<IV\0< ,.,. . .,... , .._,., 11.1 Eopu- Tho Dolla' '""" pay .... .....- "' ......., Ill)' -~ - 1<100111010 OU!<l(-90(l<t! .....,..., iaclo4"'a _ .. """""'l"' ......

11.1 ,u...,.., 'iID" ~.

1.crulo: 11\ail have die n&hl 11:> concellll)' , _ "' paid by I.<:D4<t ln .,.._.;,.. ... Coll&lml, Ill< . . - . . . ~ A<i"""'l". My lleposfr AooocmU. dq>osl15 or omor '""" pcd!:c.Uon 0'1' priotrty of Lmder't1 tcCUri1:y in=n::st. cr th• ~ Crt m-e <n4i1ed by 1:1" a~ l...c:Dda to me Dclkr \hall cons:ri:cuce ~ b the LOin ()ocwncniS Obliaotionl, ... moy opply or :IO!·Oif dcposrt.. 01 Oilier $Lll!ll opinsl <l!'~""' at my """. •. Do~;.. ""' .-~ ~ ond Is """""""& l!ld I L9 Pn>c<<do. • ~ moy tUie ' """"";..of • ''" tzvy 1lm4> ~ by !he ~In'; - - ..;,,, · 1 !b<, sen~~ r,.., ..,..,_ _ . renum or. _.,., ""' by L<o4a 10 be · - ll.l ll:cdmsl>tl.. l..alda siWI ~~o.. rt.. r.ght 10 initior< proc«dinso 10 (OI!!CioiO "' real.., upon '"l' Q>ncnl.

Mf:t dt<luctmallr- · . . , ..WU. of IllY l'rocmb o1 collee<icol 01 .... olol\o C.UI!Inl dWI be JW!Cm.lt ~tr U. .,- c:oor1 otcc:apc:DCNjuris41a:ion. Dealer Wl.1vt:S ttle 11>9Ued TD lho J>OIU"'U of prtn<lpal or .-.st on 12>< Oblil!lliOOS iD wo/1 r;pt 0> IIO<Ioc llldlb=iriJ ofk appolntm"" af l ...,.;.., ""' """'"" ttl lilt_.._, will>OUl"''wJos LCDdcr ttl poll I baed I Older o( ptO(mnoo as Ullder ""'' ~ prorpc: ~ b i-.st on die Obliptions "'" 11\en ""' l>oinl mode, llld In)' Ol!CCIS <hill be 11.6 a._1~ ••. ~ad.l. ]• !be ....., allowtd by law, Deal" &iVa ~ 10 die Ocral~ . - ·- '"Y b1n11 d!lr ~-luJ< posJ!ll with tny _.,....., _ , . , . ! uv .'"'"' or Ill<~ :•~- ~=:-,-.:;;;;- ·~ , 11.1 Wolnr. ~as"""""""' .,..,...Wy set tbnh io !his AqOCrnctl~ of sub~o:a ln t:M pmnlsu to ea w\lb or wrthoutlbt occum:ncc. of 1 to ~ emnr pemjttrtl by lN. W Dealer waives 6anUw1,. MDU. prcttrt, Odluit an4 1ilritll. c.- v,ilbol,a l'lQdQC to I:'.acakr to: not"" of ~ or !hlS ..._ ......~ .,... ot ,...., mode. """' ~ c..ou..teri1I"CC:d'ted or dtlivued or other -=ti011 tU.ta ln rtUazKJ: (l) "" Willi l:f!""RRIU!IIority ... dolqm - IIUlllodty - tuped "' all Dealer's Collalloral ....S all OWOCiions !dana& lhcrao, ond on -~ ""' ooticeo of Ill)' dcscl]plion. A<ldi!IO!IIIIy, 10 "" .,.,. ""' """"'"' by low. Doalet woMI Ill '1'1"-~ valullioo, (b) """"" ~Q ... - Doo..'VI!ICNI .-wy Cor .;,~i all:i'......., iD lwl Wdh-~ 10 bo1b chc Obli,..ons";,., "'""""' -..

Co~, C1e ~ att:aePtl to lily Exlamo.n Ol posrponemttl! of tht tUM <Mot>< "'Y (c) ""'""""'~ • or "'" 01 o1 prym:::m~o&er ll'ldulpoc, 10 ~)' ~~o~bs:ilution. ac;h.an~. or oo.a tvidmot of title, SECt rfPstranOI"\ Ooc:urncDtL 01 l"da!td rt:ltt:SC of co tic ld4ttiao or relttit or my pitrt)' 02 pmGrl Documents ~tD protca tbc Collmnl in the nm"~totDcaJcr; pri,.-Dy or -.~!)- hll>l~ 10 the - ol poltial p')mell!S IJ\d

"'·-= (d) <lemlnd. ooUeet ...,.;ptra, S<Clle. """''n:milc. adj..., sur: any - _ ""1'1'-u. or II<\JI=ti>Crl~ oU m sucb """"" o.od 11 Noll """'Of lima b; 1.no len&.- 7!:r"Oily rloem advWbl<. ~ os orllawis< pMided bm ,.-,;,-.,to lilt a>llo:lioo ol chc Cor, !btool ... or rtallzo upoo til< O>lluznl or Cltlrtd Popor r<JI!c4"' tt:e CoUIUnl or ~Y ~ ol&i.ms tbm:oa m. g,u;t, aanDCr ~ Q)llatn), 01 MY 'flt..QI'rle i1 ~ nor e 1:1 tic presavatton of Til Ills ., ; 06!""' pliO<"":"~.""' a mo I I or IDY .'~ ' 1~ ..rt co=dy. l.crj!a may ....,.;se Its ri8Jt13 wi11t lUll"" ro C<>llal.t.al wht!DW Jt:so~ f"CI*d to od)er Conucr.l a ~ of rc:imbuncmart (C) (~ ro:<!",oporl,ond·"'!""""''""'' ~ in 1ltt ...., '"" or ad on I>Wlf of Deal« Ill)' D.ulti -· far any ObU ' ~ lh&JI not be dc:aDc:c1 to have waived any ot Popes, lnvOio<, biU o( sole, docum<nt, """""""' '" bill or Wlilll a= ~ upat a; lltlda Db"""""' or CoiWrnl t.aiCS$ lht """"' be "' •oiadna to k Colla!er>l; "'' ""1114 siptol ~y Leoda'. No dell)' or omis>icn on dle ""' af L<:o4cr

:'. ~· Lenda as 10 the Oblip<>oos or C.IWtni - cc-"' U\ e.xettcSIJll ~ fi&hl 'tmll DpC'CC IS 1 Wliwt Of \bar r1.J2!t Qf _,y otheJ n&~>t. ~ _...., ,,. ony oe<a>10a sholl no< be 1 .., ~ tile . , . , _ die Agrca11C:tl! '.'!" ,, ' :s~ca and r. ... (&)

cma . ~ _,;... slen llld ... a":' llthalr ot ~~~" ony "'voioe or bm of as.si,a;nrnezl!i of A«ounts. oo DCJriees. o1 _..ipnx:ll. d - aod oUior pullh< r<OC!fdl. oo VciillCOII>OM or A.ccoW\!S ~t~d on o«ioe! tD e:us10m~ "" or by_ any ~ i~ or p&peD shall be ti&IL&.d'it atJd may be ~acis:ed alone, ~i...d)' Of IOj,tltler. l..mdc:t IT'll)'. frnm time to ll~ (h) ""' the Dealer'• name 10 pn:>ofl of cltim op;n.t sny W"llhou\ nod<:c rome DeaJa: Ae<oomr M .. "' bcllllf of chc Dttl<r, I - <·~ Rdtl "'~ :.~·t~IO' ... ":."'.!.."......., ~; az • ~ •• ~,Ill• ~~o!li<e tc ""'!....~ ~ 1'a dcli>ay of Obligslioftl, ~

pat) "' ~ (b) =1"'!laai> or obtain !be prirnory or .......ury oi!Hgotiotl of ony Oddi!ion tt> lbc Dealc:r wull mpoet 10 aoy of the "' outlfloa!a IJid """""""" .........., or C>ll(ld>t.lllib.- lenrlt:r P"P"'· tO tw: the lottDecnal P'rope~Ty, or DIIXJ::SSII)' at ~ tc smn 01 isll)t ~r~)' c:xeJus!vc. Of nOf"t;e'XclldiW> lieeru.e: unda' the Wt!IGClU&I PropetTy to flltJ}'Otll e~ or ~.-y 01 ~ for Le:r:oodcr C:O 1S$ICJL. (c) . Blt=d or rmew !or any pc.riod (~ 01 not lcnp !hilt!. pl~ eo.rr.-cy 01 omcrwt.scl O'I:O:SJb' titk: i.a, f$ 4iJ;!o.st the or. the ori&utal ~ or rdusr: or eomprom1:K: lilY Obltption of aoy illlollecrual ?ropeny Ill 111)'<1'0 c4c. !'or lilt oUiliO!O of ""''dill&, I

[)a.wln I p""'"""'TNon""" S!wRrTY M~ (\!PI> 4/ll) PAOE 1 or!)

I ; . U:.JIJ '''" I" ···' " ·- j I I ci1tlcr pany, shall be dtaDcd to 11.-.t becll d~ &iwa 01 "*': _il by ha'td !tie lnltll_,Glnlf ltPcr:r1n&.

I l'nlpcny. lad ~isN~ ftlty OlbCf fonuula Wid\ ~ "' or lit a.c.I,IDilc. llt\IDC.dllldy yPOD lilt Blllinc:ss O.y of l!lOdpz, tf rteet\'tiCI bc:fixc S:OO p.m., rcocipit::llrt time, Ol!laWite QSI dlt omB~a~ Day; if by (t) clc) all lflin&a GU.8t$11y to Sllisty Dcaltr's obl~. F~ ~. !xpcw Mall ar Ill)' adler CM:nUctll deli\oay 1CI"riGc widl Obli&Miaat irld rMry Ollllbis ~t pruof of DOt da,- dtlin:ry on a BllltoeU Da)', anc (I) Bca!Da& Dly 1&1 I dil91!d\; a if~ by Ollrtif!r.d nWI, rcan R~CCPt ~ ~c (5) The Dc.lt. •d approw:s all 11C1S ot Leodcr's II!Dnle)1. NCZihcf rtlttia 4iys a!tl:f Ol&ilu'J£ All lllfXiQC3, req1Xm md claDI.as In 10 bt (IYCII tK Under aa lll'f IIIIOrucy MD be li.dllc lbr II)~ IIC1S ~ GfD\Wioas DOf for IJI'f mltldt to ~ Dealer ll &» add.tul &.dotr4 iu cllc Tma Slllllll &11410 Lender en-or ot j~dplalt " nlis* of fa~:~ or ln. lbRnl croa nccUcaiCC. bid ~ all9 Nonh Loop 12, lrviua, TX 75061. or !11\llf.ll ID~~ ibil powtr, beinJ QOCiplc4 wtCI &D lllle!Ul,. iS rrm-Ciablt 1111111 af ~ tl~ bccD tully Wii1\td. N~ ~ 12. No W1tve.-. No ~1~ ~ dcay f:lllRi:riDC any lieN. by L.altloer Ia llll)thin& 10 ~ • .ry. no 111r:ncy liCtl"' IM'JIIIIIl oo IIW Sec.tioe 11 .10 po-. or privlkJC UDder Ibis ~ 'lrill opcnu as a wti'tu of sudl illall Mvt•y ~., OQU:ss jlld&JNI!t on bdaalloftllt Ocala. privl lt.e~.llld "0 sln&)c or panial ~ risttl.. po11!C, or ot my sud! rich~, II .II lMbk L I11IID 10 L..c-adfl • licas.e "' IlK, wiltloul dllrp.

Dcaler'slmdldal ~ .nd odla ~ il'l ccmpletiq ~on pOWCJ or priVIIel' wW precl uck ""Y olhc:: 01 f\lnbcf au:rc.llc of sud! nchL pqt~tt~: or privitcv-- C1f ~ cxu-tl.stt of 111)' other tit"- poww, Of pri~.

12.6 TcnaiOUttio.. No tcm\i!JIIIOG or Ulis ~ wu altet Dt.ale' s c!.lltfatiJIII& !l~ salt. or s.enina 111y Collaltllll da &DY Dchallt, and all of OblipUons rclMiaC to llliiOI.mD ~ or ooaiiiU!lad prior 10 Ill' ~ lhe Oalct'• I\CIIb ~ .U UCICZIXS IDI1 friDdlise ~shall. Ill nidi wu. 411! of well tcrnliamon, and 111 riJidl .uf rcmc41tc, ~ ~ C"C21t. !!lure 111 L.cfws llenth. ID ~ lhc Dtlkr uJ)QD lflCIIICSI limitldoa. lllo Steldy intaul 11114 thl ri&'IIS of Leader D I sewed petty, by Lender, m&b: •-...ilablc flldl pcnonntl io Deale'• caploy Clllbt dalt of cy Dcflult as l.codtr may ~ly ~I"= ID penlllt l...eDdcr 10 $ball exJt.Dd 1111dt Ill 0~ owed by Dclln 1o0 l..cadtr hl¥e !)Cal continut, dindty :CW illdirtdly. 10 ~ ed~ IN! ldltbt Collllerat Slli1fie4. sold Oy tbt Oaki- ~ Ill)' brtdlcdUII Propaty 01 Uc:«ast. The ~ ll. 7 ~qltaMC ud Co~ Law. This AQetmcal Ill all IIOC be WII iDdudtt die ~~of LCDda oo use. urip. Uctnst or 11111ti0C11SC 10)' of df.acti~tt unlts3 .S llfllfl ICICqiUd by exeeu.lian by • otllccr ot l..mdct at Clle ()Qicr's llttn~ PropertJ, indllclai&IA lb.e llcalK ~ _ . tile lddrtsS LD dlt Star.c ot T~ ,a fllnb io l!le h sam:DCa of dlil • fO til modia 111 wllltll IDy of lbt licmled itl:ms m.y be r~ ar ~l n.;, ApmCnl w all . . . lnd ~ in~ l llJ Jll)~ ~lllrzt. ~ Nil ocmJ!Iy tri1ll .u ~~ qu&l~ m~~~m oC (.OIUtruaion.• _..,idi!y tnCI pcrft:llmallc:e, >hall be pvcmt4 lly tile , QCinlrOI ~ 1114 ndemut 1M ~ irc=cniJ of clio ~- No lintlbml Connnad.al Codlllld odlcr awlicelc lav.s ottlo S.ofTt.U~o.. ~ CD!itrep ina) by ~ ~Cf sh&IJ prollibrt, I'UlriCI Ol Unl)t.IJ Ole witl.out rcptd 1o0 con!UQ oflw ~les. ~.ItaiM~ Dellcrs n&t!IJ ot~ Sf*beta&~~t* ~ is in ~ Still of Cali!bmia.. die valioiSiry. llltbracablllry lnC1 in~mllion ot Ole N. llld ltlb Ouarlr4y UI&U be tQVaned by \lie 111'1$ II ll Rd ~tttiiUic IlL I( • &IIY time a&r pA)"'ICCI( itl Alii by the Otaler of~ SIR of Cal.l1'01"ftia wiltaout Ripd ID c:odlca of IIWI provilioas of Ill ObllpaoaJ llld lrl'llliDc'oll of l.aldcr'1 ~t)' ~ any lht.Rool'. ead C11Ci1 Advlnce sball be ~ 1111di; pllt'l/.lm1l 110 lllld ll1lda lht lfl)'lllaltl on ~toe 0bllpliODS ~ioudy ml6t by lhe Dater or 111'1)' ottw. ~ a{ I Jicr:nst is.suolod ullda ~ Caltfaruia ~ l.en4eft Llwt. l'tncm" d~ by La!dc:f for &ny rason ..~. tnchld~ ~~oid-clut lizn iWl Dill IN inl.ot\.ear:y, bcnla\lp1l;y or ~ oUlloa a( ~ 12.• a.q.~ f«t eod COUtdioa CanL Dclllc P.U pay to~ Ill Dealer or Plch P='on, 11\IJ AD'ecm e~~t llld Lender' 1 K-a~~ iry illlaesu shall talllll&blt lcpl fccs. ~&ad ooDcaloa ccm ilw::umd., a tUIIU of be retl1stllcd a 10 ~I dlscarpl piYIIICZftl as dloll_, IUdt PI)'TMitS 1114 not Dealu'1 Odlilu I! or tlilwe ID ptrl'onn lilY Obii,atiOra IIDdcr !Dis ~Cit. . , r.llde. .s mj [):Uc:r san •ICJ'I w ddiYe 1o !Art del a11 Doc:.~llleall, and WJI do &udljodMr ues and tlliAp. as !MY lie~ ro pc:rfQ;;I 1H la6aDD.llkarlo1. Deala thalJ tndcziiAtty lUI bald Lcadlr b.lnDICD lade's~~ II'M\ Wid IIPinst Ill lOti, 4arnlft. ~ cw QJICDSICI or cy ~ rct&t\nc fO e1 aims of 11\Jrd pattes lrisllla fnlm a ic Ill)' -..:1 coaec:md ID !hJ, llll NoMa~ T\1: Dul•. oa it~ Ofi'D bebalhnd oo bdWtottU Apernt:nt 01' Dcek:l's bu&iness ~ ~ -...idlout lttllnaDOft.

YCCCSMXl and~ ~naly .-.~Yea all fllbls, it cy,1.o ~a lfiQme)'J • fees and upcn10 lnc:antd bod! in Ole 4dalle or fltY a.elioo III.IRllala~t of.ads b)' Leader 01 "' require U:lldtr•• fttsc l'tSOit 10 lOme cw qJinsl Lmdt:r cd 111 I1IY action 10 mforoc Chc:se ~ riatiQ ti .,y po1110D of~ ~lllkral ~ ~ upaD. whn& Or ~ apinsl ~ Dealu. ~ Cll . , OCIKf pMICID.

I 12.10 No Jot.t Vtehlrc or PutDtnb)p. NcOiDa ~ it~ 'dlis 11.14 ~~II. To lbc ateor Letulcr h.ts ~,. tipe eel rcrredies ~shall caafr:r upoD Laadc:r or Otllc:s Ill)' IDIIsut ill. oc ~jca ecaift• Dc:aiCf ~ ID .,,. oM ~~~ between Leoda 11114 c4thcr of tt1an ro Ill)' obiiptioo b . or ID t'll&f*f ol ~ bciSIIIe:ll, ~ Dtaltt, lt\ost ~ llld ~Its ~ tto8 Its dtili011 to. DOl In lJtU of. tilt nf!ll mel remcd,,.otidid tor llll4a" 1llis Apelnent pi'Qfta, IOIIIU cw obiJpCOIIol of dlot a.hcr. 'tll.iJ ~~ 40CS net ooasnAC 111d sUD DOC be ~ u • joint venture cr paUimNp bocwetD 1A4c:s 111d r>cm. Nolhiac iD lllb tcCDCil chill limit or rutr\Cl 12. ,.ftSa:J..LV(tOia I'IOVUIOIG ztiC rapcai-.e olllip!ioas IDCI ~ of Lalda ud Dukr 12. I A.&Gr•~t.l lllls A41Jeanen1ra.y be aniped by La~det bill Ot-&lu ~- 1118)' not IS&ipt llus ~ WT1IIoor 1M pnor ...-inert c.onsc:nt of U::niSet 12. 11 hionly. Una~~ pnrtided. ~ iDlmllto. ~ 11y 11111 ~ shall be pro rara oa per w1111any pro ~ 12.2 Alllllldlatllli Mocllftuocua ud Muttr. This~~ IDd all .~ in 1t1e ColiJlcral no~~r a1 stiaa in r..ot of (..e.l:wkr. doc.wroclla lncarpotar(d by ~ IIC IOICick:d by tht p&ltltl D Ill weadrnml 11114 •wfaa:awn or my prior ~ ba'Kln l.eDdcr l>l4 12.11 hi( rYe .\CC'OIIDtIf dUdowl in Ill' Tam Sbea, lilt Dtaler U\111 Oulcr. Witll ~ ~ccpnoa of lboe Lc:rodcr's rictu ID 11\W atl'-'meab and be r cqllired ID IUiiDiain •Rc::s.ctW AGOOIIDt wilt! laldlr • a&!Uional modiftCIIIiclu co tile IU1I\I IOd coodi:rioas set b1h lbovc.. dlis Apallel\l s.ewriry tar pcrlormlncc ot Oetltr' c oblipDolls. The ~ Clll!maine6 .n may noc be IJIOI!iW or ~ c:xoqlt llpCWI 1ht -.Till!ll cons.ent of l.alda' t!tc Rcsave Acoo11nt tl:all be retlllllcd ID Dtaler MUtlllltnrty (30) dayt il&l and Dealer. 1 !Joe laur oi t~pt or wnt'.C:O mquul fot r=.rm by I .mdtr 01 anst.C'I ion of N::~ ' s Ollhp"j om 10 Under and tenninll.iiiD of b ~~ by 3 Euulioa. jThc p-atiocJ ~ rd ape Wr Lcncb may OWer ~ rc:=t~ llnOIIIIt per A.d~llllt.r will be 1 SCl dolt- llni!Utii &S s.et ~ nit ~ IOd au ccm::cpon4irls Oo~cs b)' tfthnna ., rbm ~ me Tcrm SMil til tttc CYCmi!W DO Tana $beet b afQI£cd or - ctllOruzd Lcodlr dtnoer'l ~~c 'l'la ilezyQll'e uamp 0es1er m.y Ollly etec:uted Term ~ fails ro diWo5e dx rc;xrvo ~ die racrw ~ Ibis ~P+r by ari&ll'll ~ A """Qil' (acsrmilc Of och• 1n101111t ~I bt S1'-00 ptS Advance. eledrofti' rep~ oC Ndl Uborizu ~ Of!lcer't a.D6 Deaa~.er·, sl ~ 911 l!le ~ -.1 ill ~dill& Ooalmen 12 13 Sct.()ft Lcndtr is at6oNcd a my rilnt, without nocioo 10 Delle.. ~II be~ orip..l dp~Dlres. 1D $Ct-ctr ltlc! lpJII y, dVtc:Uy Of lllrou&b ll)y of l.ald«'s ~ J/IY I dqlosits (whc1bcr &~tJ~tril Of ~ time or demand.. pro¥iJ100JI or ft.l\&l) 4 No6tts. AII ~lieti, l1lq\I!SI:S 11'14 dcmlnd£ to 01 upoo ~ rcspcai't't and od'ltt tutD n properties at eny rimt bdd in lilt pouession. <WIOd'f ~*tit£, iac:Wdia! Wviu of ptOGaLS o! any lcpl P"XUCinl w ll&lld by

I ~~!'(NOll ~SEC\Im 'f ~(\JPD. 41ll) P~IOP I) I 30 , ,.1\ ' ' V. !.I ~ .!. ~~ - J VJV ! . UU J II . I ~ """"' "'l I u '" ....... u ..,.

LC!Idlr 011ts atrl~ IO"nf4s lilY o! Deal~'s,_ Obli~ , .... """" ., f:)«»TB Y A wmrl);~fmllt!DBvBonla'l"t Is At.i.UaW.~1blJM8 ToltaB 'T'n.AO il'Bem. ml nt:5~ 12.14 Seatt111• of Act611Dfl. lvrf SUIC1l1CIU ~ Oealtr 's 12.23 nJOICIAl. R!J"i:U.NCL lF nGAta 'S LOCATION tumidlec!IO D:o&if:r by LcDckr. 10 m. ex1en1no objee&ion Is m.se InIOCOGIII wncinc 1$ WlTH!:-1 nil! STAre OF CAl.JFORNlA, mE FOU..OWI'NO PJt.OVlS by Oealn wii!Ul! ~ (30) • lftc:r ruxipf of •11dl wtonc:n1. sll&ll APPLY: IONS conatiUJtt a dc:MjciY"C .a::mcm ofDtaleo't DllliptiOAS ea oflbe eWe orw SlllaDa lllnd sl\alllle b~Dd~Da apotl tile Dealer.

I It l s c~suey. OrUr 8nd all Guataa~tn.,. can~ to en= 111to INM EVENT THAT ~ I..EQAI..PRCKmliNO ~ Jlll..S) IN ACIXJR IIIIa Apcmm t -!:d bM 1bc lc&&l ~ II) c=r 11110 ~ W1C111t T CF ChiS MS1'.A.'mCECAJ.DICJOOA('nm"CCOJ\1j8YCitAOAlNST mY PARTY ...SJeaacl llllld all Qltw, 1...oaD Docomcnts. IN~ Wl1li ~'Y <Dlf'R()VbRSY, asPUTE I OR.~ ~y Olt Nluu:c Tl.Y AR.fiiNG 001" C6 Cll 12.16 CoatldMiiatl~. Dab shall 11Qt 41Jdotc to ltl)' lhir4 N!1AlN J TO 'MS perty. ~ OR M ~ CXl'mMPl.ATPD llridloul dl• p~ ~ ccnat of lendll:r, Ill)' tr:nns 8Y 1H1S 1114 CClndllians AGRSI:MENT (EA!li, A"'.AAM ") AK> THE WAMIR. SST KJmi IN tpplicablt 10 111is ~tnt. rtprdl~ Qf wtlcrc lilt tenns tAd oandicio n£ I;7PeC I 12.17 Co1D1111~6a ... ~~y~and~IOIOOtp ns PRRE lNj ~ 5 OOT ~ IN Sl.O{ ACTDI m:xz:mr.;o. ~1\l'ID 1..1!MEt t£REBY A£:iR.fE MFa.J...OWS. CR C all IMiiiJIF, flc:Siml.k II"'NmiDDaas anG ldqlb.onlc ~ ffom Lender~~ l.mutallcll, c:rtdlt ~icn cd W WITH n£ E)((D" (Dl CJP 1HE MAlTPJIS ShlJI'iE pratnel)or.al D ~ IDIIcriab. Dcal~jmaY ~ • &CCOift .a l..aldll:r wt1m SlmPARN:IW'H 8 Ba.OW, NN a..AIM WDl. BE Reia.W ce be aa:caed .., tiWIIIDIIIIoal c.aa be set ~ IAiomlllton D BY A Culcr Jbll ba\lt 1!\t , _ 10 ~~ acow 10 C!llt ~ lnlilnnlli wdcr'• ...m.ta. Cl£NEJW. ~ PR()CI!IlOOo() IN A£X:OiUW«:B ~VlSIGIS CI~<Xl0£CEO'VIL~sa:n wmt nil oD ~ ::.NS6ll pus....o-ds .S • ~a ICCIDIIIIliii.IIDber lA ~~ wl1tl tl'£ policie& 1HROOCJi645.1.

1nd prooodiRs a~ by l..edcr. 1o "lttic~t. Ocale. Wll c:ao.::~~~e ~ ~ by !..cUD 10 ~ lor NC11 ldllrticNd SC'Vic:~t all ~~ ~ by ~er·, polilllea 1114 p~ Oe&lcz onlUIC cloo.lmenls iN1J be ~ by ~I:( IDd Q\adt 11111 •= IIDd 1111 l pll1 ()( lhis (B) niE fCU..OW!t.(} MATTtRS SHAI..L NOT BE $1.I!JliC Rmm a PRCX:EmiNG: (I) EXER!15E C6 Sl!1.f.Ht1.P ~ T TO A ·~ I (Nl.l..I) INO S!rr Ofl'). (2) API'(J:h'ThfENt' CE A ~ AM) (:J) 12.11 Sr¥tl"l!!lll'l· ~ poaiblc cKtJ pnwisia~ of chis ta.1PClV.RY, PROVISIO-W. at ANCD..l.ARY w.cmE S (II'Q.lJD ~caDe'lll II'o'O \!\all be~ Ill 111tfl a mlniW::f • 10 be drta~~ 11\d WR!I'S a Arr~. wms a ~ ~v ~ law, w it cy provision ~ Ibis Apm!C Vllid '*a RESnWNINO auERS OR. ~y ~ IIl wo be probibiltd 1H1S by« imllid IIDdci ~PP~•cablt lhr, suo~~ "'ovuio c s.h.all be m~on ~CCS tCTl.MTlHERklHT~ »>YP ty ARTYTO~ 1be cmnr ot dill pro~~lbiuaa WI~ m¥Ui4&DIIJ the ~ ot ~ C.. OPf'C!i2 NN a 1liE RIOffi'S mD Rf).(EIG !S OO!OUBID IN pro~ 01 lilt iaumma prnvtsiont of w. ~~ a.AUSES (1) · 0) AND N('{ SLOi EXEROSa at~ OOBS The Dtlla WANa TH!! JU<J1T CE .4N'f PARTY TO A RBil!R.fN:E I'(]T 19GQPia:s dW I.04c.. blr rt!lc.d on !his ~ in CX~a~l1ir .c ardillo PRC.aE X»() !be Dealer &lid ~ 1Nt Gldl rdiiDce by l.Qidcr dl.all be ruRSUA"ltroms~. dcim l constder'IDCJD 11» lliis ~ 12.19 81Jul1111 oJ S~ The li&bll ancl privil.c!CJ of l.mdtt s!WI (C)~ Tfm WRIT1Dl REQUI!STC6 ANY P»Cf'/, illlft ID \be bcrldlt~ iU ~ ~ IDd ILU~. lHE PAR:nESSMAU.

Sl!lB:T A SNlUi Rl!Ff!REE. WK> SHAlL BB A Rf1ruD IUXZ ~ 12.20 J11r~of IIIII Vttt-. Ocala wblnlll 1D th~ ~ .l\.1i1'IO?. IF'llJE PARnES OO}()T ~~A Wl51tEE ~ 1&1 jllnlldi ltioa llld 'lUI~~~: ot tbc: JIIIIC Of federal c:auu of Dallas Couuty. T - o;.V'S OF Sl.Of WIUTlEN RB:JUEST. THEN. ANY I'ARN W.Y R!Q.JES T and ..,_ t!IIIIZI)j llld Ill ctaims or ~ ~ co lhil ~= ll£ OOlJI:T TO APPaNT A lU!FEREE PI.JI&lAl'II'TO~'l A 10 any tatJ!Ir$ ,Uinc OUC of C1 rtWr.d CD dlla CE CVIL ~ SB:11CJ'oi64«Q~ A IUQ5 T Fat. ~1ME CttlE ~cr ~~~~be brou.,_ ~ lllitiared by in 111c ~or~~ loc.-r.d C:R A~ MAY BB~~ AN EXPA JmatfX J'UmDN'I' 8ASlS., ln Dall• Coull!)', Tf-L Pllnlla, Dc*r ~ ~ 10 jur N«< 'DiE PART'IPS AcmE THAT IRREPA!Wil.E ~ W0UW RESUL.T •d veaue of die . , . or Rd.erll OOoii1S ito 1~ in DaD• CDunsy, ~ IPBX PAR1E R.EUEF IS'NOT <:awm!D, Texas ~ 10 t11y .c:tioo ~&'It in loeb ~ by l...m6r:r tnd ..-.ivu Ill)' clainl ot ~ ~~lftr n:scs'VCS die 011'!1 10 iMIIte ICIIOII ~ 1114 p!OICQitD lft)' Ul any OOU!t or CAmP* "' jiiNCficlioa, ead ~lcr (D) ALL ~ AND ~ cc:NXX:'rED ooosenu 10 lbc foNia a l..cDdcT rr.y dur. ~a-. in ~ ~ cJwt ou. 8ERRE 'TH£ ~ EXCEPT Rlt. ~ SHAll. BB <XJ0..Ctm ~~ "' made Ia tnlrnd inlo in !he~ of C• hnnia, ~ SDIII! or f.cdcnl COUr1J I~ in the Sc.: of C&li.t.onl.ia \Mil llcvt jurudlru COURT~ EXCEPT WHa4 MIYPARTY 00 WfM)U T A IUQ.l'fSl'S. Acn.JRT oa ID Rfl'Ci nn 'IWJ.. ~ LtiED R-ID n£ ~ 1w'IU. Bl! PR()VI he:" and daamme ~ dtims 01 di3p\lu llc'IWiom lilt pC1io pen& ~ (g CXXJR'TmY CCIV CS THe nwa:lU PT. niB PAIOY ~0 SU)f IE) A lhiS ~or , my m.aner &risln& out of or I'd~ \0 !his IUQ.ES'T SHALL t'ir\VE 1l£ aiUGA nGI TO ARlWO! ~AND PAY A~L OE'SC FlHEcntR'I'~fMVJOB)niA!su:liCQSTS.A 1121 Wal¥u u .lo8ICl.. Dt.tlct wtives, ID tbc Clll'CIIt pcm.ilred L.Q«l by law, wml 1m ~ FEliS, SlWl. Ul11MA1B.Y BE BORNE Ill)' bend or sureryl Ot seam!)' oo sucl\ bood ~id\ BY M ,..j 1/Cf, be reqWcd f l.cDdc:. raiF&, 1114 b lhll PARTYWK)[X){!S~Ail,ASt::£TERMN nBYllm~ 12.22 Wll\'tr Of J~ Trial. J..ll'C&. MD ~ Ana Cn&.l. (E) lltE Rmlt2 E S!WJ. AP?LY THE RULES Of DISCOV rNl ~ ERY ANI> HAWCJ HAD 'Tie qtamH1'Y To CHI..I.T Wm1 Cruea . ~Y £VTDE>4CE APPU~ . TO PROCEEDIWOS AT lAW IN llfe VCU..tiT~'I'.~Y. ~YAI«l~\' STA11! Of CALI1"0RN1A TO 'TH.E R.EJIP.UNCf PllOCQ2D~O WAM.Am AND RDrlDMJ.Orl'llllftMYHA~ 1b A fil.u. 9Y .UY IN A'It lm:l.t.TOI B.t.SID SHALL OIITERMINE AlL ISSUES l}l ACCORDANCE l!IOIC.AAISNI~CP1\cls ~()I ANr0ueU: APPUC.JJU..2 V..W. rnE W~ Stwl. 8E EMPOWSRID wmt wl~<1 NIV~~OMIWu'I!OBYn.~~CI:U 2m'f.R EQUTTAal£ AS W!lL A3 LWAL R£UU AND RUI.£. TO Sl O'N (.» CCN:u:t, ~ $T""18oC!tm (WII;TJ a c....&. 1\NY MOTIO'N WHJCH WOULD 98 AVTHORIZJiD Ol Wlm\t .\ Ol!IC.'ttN lW A T1UAL, <:.~<:rl\Dl ~I..Daato.~~smT INCLUDING MOTIONS POR DEFAULT JlJD()MENT OR SUMMA o~tr. RY B'I'~~A'lY ACTO~Wia:>!A JlJI>OMENT'. THE matE i SHALL RDORT nm ~' hY'TIW.HAsBI!nl S WANflJ Wl'!w Ntf oM1 ~IN WNiof A uvnw. CA-..o O~C!SION, WHICH IU!PORT SHALL A1..SO INCLUD r 81 C::. li.u E fJNOOIOS OF I'm 8lzs WAMD. 1Im PlcMsOa S1w.L Nor BE Clr&crD To HA \IE ~ FACT ANDCONCLL'SIONSOJ' LAW.

MCaPIID fS M 'Y R.cifto Ol ~ 8'1' Fl'rla lDa!l C. IlW.Q I 12.24 USIJlY. ~in& Wty provisions of u ~ I co lbb CCDhry, ll DO rime ~I ~ be ob!ipw iiO ply laacst II & tiS& ...tUd\

ODit.~ hOI4W OlY ~em MID Sr.ctian'Y ACIU'ZJ ,01T (mD. 4111) PAG!90f l3 I 31 I -- • 0 0 0 . .. . 0 ... . 0 0 ..1 • "-'" r. u! u

~d Slllljecl Urdu lD t•dls civil or crilninl1 Uab1llty d~ "Dtaltn bip ~doa· datil nAG Ullt plac. wtlr..e dac Colillen beiDa ill c::u:. ti{ 1llc IIIIXimum l'llle l..cnda is pamillcd by IIW 1011>aJOUia 1111t1a1 Dealer'' boob 11\d rcccn1s att ~t. ...t1cn Dellc.r's opc:raril:lllll ere~ l and Dealer il pamiftlld II) law z 111fCC to ~· In S1ld'l Gl~us. ll at ~ ~ Lball M de=ed z be imll:tecllllcty 1cducd lD tile from JA<IIor If Del* ia • lcplly ~ ~ c:alily wttcrc IIU rqitl.lred cftl;c IS locawl Ollllcr's sud\ lnlllimlll'fl .Jate. and well ~ &nd Che poroon of all priar ~t P')111C111l ill c:«c:$S of tue:1 lllllilrum VIlli be applied 1114 lllall be dcaDftl 10 have ~ ~~~ io rWuc:c1oa o! die pMeipal halan.ce "* "Dcaat.re llomc In~" dull 011:1111 ltae Lender braD:b loc.&OD wnidl 1bc Crcc~n line is asipc:d 10 by L.t.r.e rcr b al W u:M.:ina .,d Olllipzions • o~tllc ~ st~ell ~l:tlll,.... ma4;. Any~ admin'slrWla.

CliOCI6 5lllll h hellS by tcwt; tor Oteala 't benefit~ in~ ~4 Lball b..vbjll ct "Dccallll" meaat any ofw Ew.Dl$ of~ tpac.incd tD ~ ion .:::Lmbj •Acc.oeac D r"' shall rncm llJ'f Pawon ...tto h.s ~co the lhls~t.

10 at "'>ctul t a..~c· Wll llltAII dlar lilt ot ilMI'tSl u staOd ill tbt or, ID dlo ewnt lhal1111 Tam~ IllS boca sl&l* l'f 1hc sipcd Term Shc:ce Term Shed Otalq, taik lD liSU ~ II R.&tc. thai 12% "Ate011111", •fIWteror y", "fhQIIU'"', "CQc,_ l IJIU.eci "lqulpm rst" Wll 111121 all ~ Catures. CDid\infJiy. vdli~. l'tpu", •Donwa~ll", "GoocSS", '"Dtpoat ..\CUO.U.", ~lmcnl blts•, "('Uttt l &m:nft. ~ IDOls, ccnupwcn md ochtt Ooods o*t ltwl fzlvtnllrt ''lnco .,.-, "lAw:stllaat P~ ~ ..l'roceds" sh&1l mt:a11~Uib", IJI1 of hdd b sale. Icase. 01 4AI ty <f:lllal by Dcakr iD ~ Ol'diary c:uunc of De.alc:r's Qadi ~ ,.;!bill die O'IQI\inp ecrihed In !he trarillall.

Ulll1bnn Ccnunadal Code, • ldaplld tnlf 111t in dlc.cl from nmo lD 1ilnt iD ll:t t111t "tvut o1. Dda.ll" s.lWJ laa~ lhc mcaniD& SM ~ iD Scui<IIIO orTexas. ofOI.s \ ~~ "ACR" WJI ~ .U P')'!IICin! made by, 01 on bt.IWt o( Dealer !D "Em IIIIo a" ~ mean IIIIC ennt by laldtr to Dealer oflddil»onaa U:n~ via a ~~ tlednmie b.dt erwufao IICIWOr\ lhu M A4Y1IIC.O fOl .n itan at l.cNSu· fiDIDoed ill¥m~ bccamcs time deccronie dc.bil· ~ u t-on. Dcakf'• t.lk A.COOimt\ pu!1Un ro~ p.,.-.blc. cNt llld the AOf ~an FotmluecuJt.c1 corll:lllpOttiiCIOUSly bcrewilft. ~~llttiUoll Fu- lhlll mean Clio fee~ by " ACS ADI!IOI'badoQ fona" l.cllda 10 Dealer~ fonn lb&ll mta1> the 4oQama \l Qened b)' lhe 01111111 Tern~ Sheea rcr eedl individ\lal ial of ltnlicr·filtM:ed I~mD~or Outer 1u1horni"' ~ Yia ACH. y.

~~ - "T1dlll la" IIIICIDS lie Loea aDd lilY ocbcf c.redlt kility • Advuce" Ul 1t1c ~ any dlinl pitt).

T ID)IIoall Of p8)'IDIID1 in ttl)' lmOUN ll1ldc pcnuall l Tcna Star by L.encf~ 10 Dealer Of oo Dalet's bdlall Lender !loom time 10 lime parsum t 10 dlia ~ "l\llla~ Fee" mall mc.o the (ee clwp1 b)' l.cndcr pmlelcd by Dellt:r 5Ct b1tl on h Tcnn Shea for eactlll\dividllll ikdl of. ~f'inDccd lll~GUOI' ~Atlilll~ mt11!5, wtm ~ ID lilY Pcnall, f cy Olhlr ~ (1) dlt'fa1y ar i ~y 11voup GOO 01 ~ bl~ ianc:s, "Fl .. Ddt I SfUCIIIt DIS" lllall ft1Ciell, liS cbc OOIIIUt axlfl'())lul&. ll\.l)' ~Uj\iirt,. tbr ~li'OIIocl by. Of ~ OOII:ImOa c:oauol wtll\. Slid\ Ptn.oa, 01 (l>) liDIAcW stllal\cJU5 or Dnl ~ 6lrNsllctO from lilnc 10 ~ pulmlllt or 1nlfltealy OWIIS ~dial T~m Ptrceu ( I~) ot wry cJass of1'-t dlmc:dy to !Ill' ~~ In all casa ~~lilY IIC>CIClalfllll)1zla ~a m. ..atina or OCher di.sdociU'tS to tudl flnanw l ~ - ' P'f O'lbcr Docum SCICIDttlCI 01 CIPilal ja.odr ot or CCIIlliY ill!l:rCSll lD loiiCh Penon. A Pl:tson m" or shAll be dllclucd to~ IIIOiber Percaa if ""II !'mall poucau 4&:1 ~ 1D l...cDkr. . llilully lnd1ttaly, ~10 d~ or ca&ae Cle dlrtaicn and policies rA of~ I1\IDIFDIIIIl ·Flair Jec• Wll rnctll lbD lie t.twpd ~Y tauter lD t:liCIIkr ttl font! on Giller Penloa. ~ ltltoaD! the 0~ at 'I'Orilll $(Qitltia , by the Term Sbad lbt td individNI iltm of IAnllt:t - f~ l.DNniG Cll o&t!Cf1rilc. I). "P\at ~«- JIIIIIIDCMI tbr ttt dllrpd by La:uw to Dealer 1et ~ -~ . dus Demald Pro~ Hole IDd ScG11nry 011 1bt ~-~!ocndme!D~ Term Sllca !Dr~ indiv16.1al ncm a! J...mder. f~ bm:miDI )'.

•Baac Rtlt" ~ aqn die f1Ut21 12!t YIJ ~ lnCGt fWCUI prlllll re ~lished iD !be I af in:rt.a equii!D Snc:l Journal or w.u •It ,.. Cll 6" "Floorp iiD AD¢icaC!oa"IIWJ meG tbc ~ prlM4c.d 11S prlll(!po lh ~d ~ 0\lanln oo ID Lender ~Yd1n app i ~CII !Dnn provick4 by l..cndt:r. by Dal~. e, bul QOI tlmislld to. !he

-ao,.,_cr· *""'D 01t 0u1er &ft41hc Ou1111n10111 -~~~ Fte"' W!I~DtSn tbc b cbai'O'd by Ll:adcr 10 Dcalu 5et fblth "1l•st - o_,.• IDCIII .U eta~ CD w4Udl blrlb IXJDduct N~ ill on lhe Tctn~SJII!CI COt each ln4iv141&&1 i~Zm of LcD4c:r·F IIWiud In~ .

Tc:us. A4cJrliOIIIIJy, iD !bet:- ' 110 TenD Shcclll CUCUS III.t ctr=ive FloorpUn f oe ,hall be equal to OM HUDdrcd Plfty Do!lin (S UO.OO)., dMn diC -collald'a.r s11a11 I'OQD all or Ill£ ~ ~·• p.ropmy or n&NJ in ...., ictl 1 l«<ltl!'y iGcttul It~ ~ . "GAA r a>ea~U pcnlty ~ IMO'mtinJ pr1Dc:iplll llo In l!lc IJ I\i ~~~:d Statee of MICtlU 10 ~ 6om time lD rtmc a pron~ulpt:tcS by "Coan u IWr.ls.l'u!ll be~ nz d~ 111 tbc Tena Shea dfet:llVC Aocoulltina ~brei Cld ~ lnCf ~by lht AmcnCI !he Fl!l.lfloal ~ Dealer 11 'u. eompliiiK't ...ua. all iu OCIV'CtW'III, _,..Ilea n 11\Sti!v= of Cc~ Public~ II Obtiplio ns III\CIIct M ~or S~ if no Tenn Sbca · n111 bcal s~ ar • siFcd Term SbcS rlas no disdMed ,... ·C.vcn.meatal .blbari ry" ~Ill)' 111111111 or Pt:nll!l ent. lilY IWt I 01 Oltl« pQliticaJ J'\IWMJIOII 11Weof, 1NJ tlfy cnmy ·cocrtror '11&11 111ft mll'tisill& ~i'ft. llle mCM1zl& -.crlbc4 lA tr.e Texas lJIIi!tml 1~. j\.ld1dal, rtcutafary or lllbi!UmlllV't lbnai<ll Commetei&l Codt., ... \!, d'&la tram tilDe II> time. Ill)' eovemra.r.. incl DdlDc. witllollr Iimitla8 ~ ptelil~ofororOlepcrt&itun& 10 UCDI~ ~I - t'DrqotD&, 111y '&G\'Y. booty, comn~iuion. C01111 or ~ lbtrcof wfiCdler ftlderal, "Crcdll k any one tilne -= Itt~ ~umeot IIIUGallm 11n0U111 Deller ll'l8)' bc11'0'11' II IU~ local ar lbrd&n- "Gvaracas.on• s!lall f1IQPI ~ 'MIO hive tipd IPo'CIIIIY .,eemcntt "Cndll Uoe" WII mr.c OQ!er·, nOO!l)JIIllint or~il punw.n~ ro &Dd co. ~om~iDs lbc Oblip lions ot the Oaab porYUCt 110 dliJ ~ III'Ob llliJ ~ I "C'IIr~atnl ta~l" WlllTQ/1 ~ s.-n Oe.lcr it rtqUhcd to plY "lade~·-· or I Pcnoo ~ &&dl f'tnaD' borrowed mncy, (b) obli&&tiaoc 1 q:1~ lbo ~ piiTdl&tc \: (a) obiO!iCIIlS b l..c:ndcr 10 ~ the ~ ll!lltiPJDt due on • llllir ~ 1t1t Inlti.al ~ iod pn~;e or and tiCb ~ Q9irts. Pt~ Dr ~ (olhQ ltlm payable noc in 1hc Ol'ltin.ary COU1tl: of rucll PtnOn'r b ~ payable ara u:nns M~Dtnary m c!le trsdc), (e) "'Dttltf• ~t~c:TcrmSbcd $bdl1l 111c pe!'lOIU or cmhits dlsclosod In dlit ~~ or wlletber .- 1101 usum.:.c1. SCQII'td by any LieD upon Of tD Ptopaty lhc M .)clll Pmon 01 payable out of mo Proc.etds 01 prod ~lip~ OWI'Icd by ~ !tam 'Pro~~UtY 110w 01 heteaat.a ownc4 or acqlllred b)' swdll'l7 xrl: ("f) obi~ wl11~ llt I i ~t>hOWIS30RrTt AND~~ (UPQ.

V II) P.40t l OOP 13 i - .. . • • • •• • ... , ' • • • .... • ........ - •'-'• t\.lt """' 4 " i . u! !

evickaccd "Y ~"-~or Olbct ID.s!n&malu; (e) Qj)ltlliz rd It* ol)l~iona; (~ indtttlOrlzas ar adlet oGiic-tJOD3 o( any "LoaD FM. sllaJJ Nil! diC fi:c ~by l..oldcr m Dufe:r ra fonh 01btr PtrliOD 1br 0o1 banowr4 money ~ for Cl!t dcA:md p~ pnoe of property tbe Ten:~~ SMct lor e.cb mdiv•dual ilcm ofl.cl~·finlnor:d Jnvauory or Dvicc:s, .

1t1e Pl)'ti'Ut or calledion of~ mr •&dl.fC'd Ptnoa na ~Lout" &tlall ~n~:~~~, loinS from Lender 10 Oc:all::r pwwec d {cxupt ill Ole initial !Dil.lm~ by ftaOII of~~ tbr coDcaion in lilt ordinary COiil1e priilocipelamwnt dlsGkMcl in lh~ ~&ad Ole Term ol bUsiness) or Slltd. or J\ICb rCfl*l of wbicll the subjm h:noo i1 h•ble, contillp gt~~a or l~ Aim wflictl may bt adVIIIICIOd ftCIGI l\uy or CJ~bcr,. i x. ~ 1.0 tnz.. pa-ne d by includi~ Wllli<NI lmttaJIOII, Obliprion by "'*Y or~ to pur~ 12\is ~n\. indudin llriJ renewal 0t Excenua.lbcrcot provide 8Jndt i:r ~ to ntpply ~ t.o or Cldlct'Wi• tD io~ to other Pcnoa. 01 ~ 10 asmc a ucdimt apilllt 1asa; (8) rcun~P in !IIICh "Loel Doce.cDCIIII" Wll meaD l!liJ ~I dl& AgccDII .IIl III, 1114 any or oGler obi~ in CIOtll'ectioo wM Iaten of Clldit: (11) ucc FinaDcinc S'lattmCIII1S IDd au ode Documcta a.ccu:aS w cteti'f~d oblipli ca 1ft OOIIDCelion wilts ult llld lcascbtc t ll'tnserrime; (i) 'llrf OllMr by Dtller ~atalto o.. in ClalcQioa wl!!l Ole F&eilitb. oaas.sW;.-t -.bidl il - ~nal cquivaleel at. 01 ates tho P'ICt or batrowm wludl -.ld not ~ a ~iaaJi on on a ~ lhcc:l a,. but "Ma ll.rlal A .tv-me F.lfett" dill I mean Ill)' DCPM l'l'llltltll u.ce in of &,ud PU100 !he CQ~a 's ability ID ~ Dt:aler's Obl.it:;Ubts. prepart4 ip ~ wiltl OMP.

"'olrl&l Pcriocf"1shall i JJWI ~ "'- numb« or dlylsct fonh iD tDO&D ~nartt)' o."- shall maD IU dirt II\ ~ fOr m irtm oi Lender· f'IIIIIICed loVCIIIOt)' ~ &lt IQG payab~ : ~ dttJt, l...endcr tbc '!rna s~. ~ on tile d&1o llf 111 AdvlnCIC 111c1 cndina on e11e an6 MWi~ 0....111 4\ay ~ illcte, lUI Ill Deelcr ~ 1b11 Ul Ad"'"gm f t dl.c i......,.,i* 'Y UpoA 4CNNI iiiD of lcnda-Fllwlced II LeruSa- [nVQitory Will lit ~ by Lc:Ddcr 111 D.ler piiiiUIII c.lccu. Ill a.e evcm dlt MMllrity 0 . IUidllc ro • 1pDCiftc Advlllot l 10 1210 to-as at \IUs . b Ill Apaaa tt. Mdlnqaally, ~alhe evczn no Term Shee« ia OICCIIIW iiCIII of Lendef· fm..ccd 111\"CIItory beclalncs due 1M ~k or tbt Tem~ ~ bllllcln& boUdly, Sesurdly or Swldq, t.lls on a Shen ~~~ IIIIis! III ~ l'a'iod, thm Cbe Period sb&ll be fl~ tilt MINnC'J' 0 . 6)f sud! ()0) d.,s.. rpdtk A4vvttz sbalt be the nen bwa.= csa ~ 10 sudl ftlOtnl . "t~tdlwaal P'rtpa-C'J'- sbal t IIUil aU tO(tiJec:nAI propcny b...O., tlolillly. Sa~~ or S11ndty. ot the De&kJ, indwtin& wilhcall ~imil.ltion: (a) all ~. paetrt lfPli*o di~ IIIII iDvCIIDolu (IIWtah• or aor pllalab m. puzn1 •MSQ" stlall meao ftiC ~' cct1~ of otip at om k IDd ~or~ doanc:r r\ CVtckndll& owmmh ip or a U" il luaed by Ole ~ reN::ed 10 ~(b) all 1111dematb. Uftice marb, ~ ar die namar.. 6/ld ~tress, trsdt Uctit II.IIDI:S tlld all !tiC SQOihriJl llld qwJ tty c.onttol ltmdln b moci~, ltl~with; (c) au l'qlstelf ld ...t UllltJlsU "'bUpd OU' shall cne111 any aaod all ~ i~W• and COII\ITICID ~ ~lha: (6) Ul reparaaoiiJ, eppUut nd ~ • !.Alder· iODS &Dd ~ finlnocd ~etlltlfY Obliswz!OOS, tWncia l obli~ adminlln:ivt tar l1f'f ofttlt ~"(; (o) 11111"1« StCCtcU, oc:ddcnOal ~ 6:q, i4crls. 1nttrtst, Ploorplul Hts. NSP =. noaa rees. Loin f-. Extc:asio fannw~~e, compcait~ bo~. ~ mcS procSuc:t n Fees. ion p~ FlnaDOt fees, • 6:Q, ~ expe:ucs. IIZIMiot)' !llq. QOIU of 1114 . ~~ ~ llld de'lottlopmeat lnfl:xma1lcn, ooiJoc:cion. co~ md dun~& <1\lriaa. armn&. due or peyabl~ !uft ~ons. ~ pi-, imprtM:D~IIIII, ~ &biJl& s, Ofalc:r ID l..cnd.er ol lt.dlnieal •d any killd OIIICII t, present or tuwrt.. un&ter lilY ~ pll'lllty , computer dala. ~ 01 otl\cr . tnulll= ana lllft.etina pt&DS., aid cusiiOinef .rld ~~ wbe%ta trisins o.nc this ~t tvppliu IISil ltd rtllftd ill.fmnauo.n; (t) all Olher propnu e>r ~ay OCbcJ ~t. aty ri~ l"tdlct ctit-..aty 01 iudirldl y (indu4in& cbocc w;quired by -~). (IDcludiJt&, wiJhcclt llmhlbOA, all 001ap1111:J so~ and documc absolura or co~ prinllry or JCCOndlry, dlle or nlclcm ao alllicwc acr=J~tiii:S Cld Nhliol:nsc apcme:ezs tD lnd from tlurd 1114 exlsline or~ an&~ IDd lt~er te4uftd , bQ:.omt dur_ now ~ rdltin& t.o cy a!~ !DqDin&); (&)all co,ICimlf ~"blt emboclrm cncs or the a.taome 1n ~lMr ~~or ~ ; (h) 111 ~ llld pa~eraa !of "'do• du Dtldos an Statalac Dt' siWJ - die SIIIIOnl ~t put. present 1114 1U1fR ~ ot 1t1c foretoiJI& (i) Ill ~~lies 111d diseQifll -.bcCICJ lk lfti~ ....~ ora fie OdOtndc:r of tbo v~ i elc is ~e C\IC willl ~ to the bqo~~~a; IDd (j) lht nssu 1\:CUll!.e. to sue ltld ltlC'CM2" for pet, pretr.M 111e1 ilrlft ill~ of !be lllrqoiQC. "Put~ l ttrd t.nlllbn~~ea" 1re ~ iDirn:sb I •lJitttu l"' sbiiJ cqcm tt1o G'tPi t . - of ~ weidl ...tUdl bt~ bcea disclotcd ID Len~ and which LaMier Ills livtll ra ~ -.wiftal ~ aa all ccnunL Oblipri~ OWtd by pra!cr 10 Leder under o.. &Nifts 0111 or lbt ~~ ·reno• · means lad lftduda .-. IDdMctD&I, • ~. ajolrc vtnWf'B, b)' ~bbl.i.aJ • e.;c Jtm plllll)ot appliub ll Contnct IU!!t. !Wk IUic Or • caponr1011, • limiU J ~ ihty -pall) ', 1 INSt, 1111 uDinccpooaed ~flwlt RJre 1 IISIX~ lad 1 0~ Audlanly. ·-::::::...!:..:.;:-:.= =~:~:::~:: ~~by Deal~ llltlll • AdTanoc ~ lk A&n:c~M~t l.lld Tenza • • .., ~"A ' I \IJ • I C...,., •~Qi .. 17 UIU. a&& propcn'y palCNI , CJn&illle, ~. or mixed, of u f'cncn. or leAStJ! or opaal(d by s..ch Pt.r1oo. , ~ f'O&I Oltlelm G OWI\cd.

''hrdM t Mo11cy lavecrory• shall IDOIII a UDil aoq'lllrtd by

Ocaler I I punuln t to 111 AdYDOC under lbo ~ lnd Tam S!.:r.t. ·~cDCkr -~aucr~ lnullll ry Obllpd oa• shall mean obhVIiO to U111ts q\linld by'¥ Dealer usizla faods advllletd by Lt:nda .

N rdat.i •JUik 11m• ~I mec sball II'ICUI !!Ia! '*' of lllla'ell at Tcnn Slled 01 in tllc nan tfl.lr no iS pabtisalcd &Del d:lbdiwe, t7ICDSilled in tht 6'% •t..celk.r h!llisllcil Rart. Fet n4 Tena Scllcdulr• lbiJ me.~ any "Scbrdule or Accouots• sball ~r. dl.e mean inC MCI'ibed in Secdon turTtnt ldltdlol• cr i~ mw 111e1 I * assesu.d by Lender, i.nellldiiiJ 5~ aac Ralt. CCJ'C'ICI Rm. \lust lWt, DdiWI br. ~ rta, bs relalina "Sboruct• wH nun ~ d~oe ~ 1 p1~ !Qleive4 rCMned dtcdcs cr ACH pii)'IDCn!5 dUt 10 iranafficlalt &.ands lad DOticc co La!dct IN! dlt aacuu o~ ~ due.. or p&yablc 6-um Deller by o! 111l.DIIitr ll!laldm alo 10 lalD:SIUld ~ publiShed by L.endt:r ""!h rt:specr to 1 ~ I\I1YaDoe lbr a ~Oe tlctll ot Cllttct II UR.L I.Dida·FII\allae4 WWI't'.l llaioncl'C'Ctii.OO!II <J alb bnDdl omea cr lot:cio"" I .... lnveni.OI)'. •l..efkn Of OUir" shall IDUII doQ!meots ~& I •SpMu Terau" u.u mean !linN d&sclOICd only i.n !be Tcna Sboel lbird pMtyt obl.ip!ioas to hoaaJ <tid, or OCbet ~ for ~· 1br a,updo It& Dcala. I ns of "'Stodl Rtp11• ~ 1ny ~es, 4iYMitDds 01 OC!WJr d.isriJud any adler ri&)lt or property .,...ich ~ Ocalcr UWI .-~or alllll on& t:~4 bc;come ~Lic1• IDCW ~y~lifs-1 (rtarul!:lry or O!hc), ~ ~ entitled lO rooelve fOtiAy ~~with res-pea lO, ill 111DI1plt, pkxt:e, hypodlocalion, ISS! tpi..D'Iall b !be pUfliC* of &eallril)', depodi I for or 111 ex.dlan~ Car an)' UAUrilics Of OltiC% OWIICftllip subsutlltiarl illllft3tl lA a &n'IIIIJUlCIII fllt h ~~of~ - me~ 01 preknn oarponriClll, p~p. join% -.ann or limiltd u. prioriry litbihty ~ or othc:r ~ ~· or any kind or !IIDII'l' ~tlOevl:r (includin&, oon.stilllt1tiC Cottam I and 1111y ttWrit.i u, any rit)ll :n rtcci\'t SIIOiriti ~ and I ..,thout ~Wi011, tile inl.trc:u of a vmelor or lru:w llllda ... "'"'"""""'l.... "" .............-) IDy oondltianal any ~~ 10 ~ um~ in Mli.ch fie Dealer no"' 11u IK.q\riR:S MY riibt. issued by an issuer of s..cfl securialc:s "Sabsi diantr rnearu. at to 111~ PerJon: (a) a alrpQnlion of whlc:h ot aotk ~ Of llcrt'.&ftw:r

¢I Olbef ownenhip incacsu b.avin& ord!UI) ' vOiiDC ~ (other

P"-'"' I I ~ IJ ; • UI L

ltlltl s~Qc:t or ~ Q'11111Glhip ~ bi¥T1II SUdl power oAJy l>y ruson ot ~CC" Ullll mean !he Unifoml ComrDCRilll Cock as ~ ill tile Sw ~ IIIHOW'I of a~) to ded • ~ o! the board of 41JQQO!l WflcR 121e Col1&ltral i$ loc.altd IDd ~-wn in c&c:c IS of lilt clrtc ot ttlis or 01t1w m~ rt '~ ~ 11e at the time owned, or the ~t ......-r of ~liu. iS ~ oonii'Oiled, ditclclty Ot lno!R.aly IMIIIII' i.:alr' sNII- 111y ~N~Wfllaurcd ilall. illdudiq ~cles for wbldla one ot mort llll.tl1iediarics, or l>cc!l, by Sudl Pascll, aDd (b) eny pm'lnaWp, coa1t1'ic.tt o! nae 01 a MSO ccinl 111bidl ia the "''j~ of 111 Mvanoe l>y aa.oc:illial, joint~ ar ~ tmil)' ill ..tlich Sid! Penon 111cllor one Ot l...tader In Dlala UDder lblJ Agtement. ~t.1d.iuia o~r sucJI Penon Ills OlOI't than a Fitty Ptrcalt (~<m) cquil)' "llaiiUCiu·td Dcb111l t" _ , en y C"t'1;nt wflictl wldl ooclot., or lapse of .,.,,.. Sktc1" l~~~etn the~ to dlis ~ D aaodltlc4 11m:. 01 bod~, would OOMiiule a Od&lltt. fn:)ln dme Q) time. ~KIIInd1~ spocifie ltt1DI and fees, ~udi!l& 'Wllhoul "Welvtn~ Ulall ~ coiiGCtlvdy. 111y 1114 Ill IM!dlord'' wtiwq, tiMi~ u.u ~ tilt Cloedit Lim.il. baitial Ad~ Special T~ ft'II'Ctloclstn't WliYin, CONisnet waiver&, o-ediror'a IIWiivc:n. ~ FIOorplan Fon. FlO. F-. Loeo Fcrs. Enmioo Fees, FIIWI<:t he:s lM.eress, Wli...en aDd proc.c:ssina flcJ itty llld simil• bU!ae't wai\'Cn, ~ IGCI bsititl Jleriod. pri~~ ~ecion.. ad ~lmc:nt ~~OlD tad ddl~ in t:a\MCiiCII with Cbaa A&rumcnl. ill llnn aDd s~ ~~tt~iell as modi~ 6ta drot to time. is ~ lwrtin II)' !Ait ~ 10 l.cndet, ~ wnb all ll"'ll!ffdtDaa S41RJ~U. ~Qt. I moddi~w~tllld~~. ·r&~~c" WI! ll!CID.,. ccrti6ca of litlo or allier doc:umcnl ~~~~~ 0111t1Q1hlp or • ~ llsllecS by • duly auOionud IIIII, F1>YiDOt. 01 ~~ .

., w....., L. ~· """'·"'....., a.ecuraUoy !htir rapa:!ive omc-, c1D1y llltllorizzld IS of or-..waQ 81f/1;!J:IJ"""' •om-"w . 2011 . '-'"' .,.!.mOo"""'""""'"""'""""'~"' I ' I "Ddhr" Lepl Name of~ I ASruiDCid 8~ Nwe of Oeal.tt (if any) ·

I By: cc~~. K~A~O~~~~==::~~~ PnrcodNil'lll:'. ! ndc.: Ptcsickut I i i "LcD4cr" I AI'CUOO Ctc4it Enzltpn~ u c.

I • Taa 1imized 1iltliticy QOGip&ll)' I By. ;kJL7Ai N.ac: Tedd M1rtir1 I Tilla· Chldepa.i.tom- -"7 : ~il~ .t JOSf M. MAOR/0 STATt OF / ~~~., . ) •J. i. ~o~ry Pvouc. St.te of Texas , ) s.s. ~ · V Ca~tt mru;011 hportt COU>m'OF(. }c , ) ~011ff0&. 20l4• J.': •Nocary 'Bcttn l'llbllc ill md !br 111d Couaty IDd Sll:e, pc:nonally appeared ICENNET1i W WlWAMS, lllllc'*ft to me 10 be lllc Pll::ridan of IC. W.NlN1Sl1ll ~ 1NC~ a ""PDfflioQ, 111d CX'ORICIOd !be tDrqQlD& b IDd 011lldlall r1f{ S&l4 c:orpor.tiCII.

""-"'i"'0"'Jt._ ..,. 4~.1..; ,2011.

"OIW>'s~ ~"" r,.,.J .. J "--,.,-. ....._ L. . _V :-r. . ~ 4 J . ... i My Cornmrmon fxp11ts

0uwc> P&OWISS6lv NotE Ala) sr.cvam A~ (\/Po. 4ttt) P~t 120f IJ ! 34 I • • • • • • ' • • -. 4 4 - I - .1"- ~ :J ' . v. v

i I TERM SHEET i DEALER L.EOAL NA.\tf: ...SSUMED BUSISESS NAME (If A.'IY).

K. W.M!NlSTIUES, n-;c C.R.U.S.R AlTTO SAW The tollooJ..as clc:f!Ded 1D lt:e Danancl l"n>miallry 'Nolc and $eQUiTy A~till, shall ~ly dftaM: IIIIIDC4l.ltdy 10 any A4viiiCIC made by Ltedcf to~~ die HCQ tad P\lf1WAI1Dihil Tam Shea.

l I 'OM Credit U!Dlt lUll be SlVVITV nvE THOUSAND (S7~)..

u.

I R.OC)UU.tt: I Reqllirtd PrtDdpal Redacdoo to £ma4 Period NYIZibu or DI)'IID Period Matarii)'Dift I 56 ,~ I 2 u Not~licable l floorlUD Pet tc~llk. Coalnlc1 Rate. 1nd ~ltvNO! Ptr Advtace \Jnlt ~.q,. AJIIOIIIII: ftoor9it111 ft:t: CoDinet Rate: Racnt Mr AMact so 10 s:z.499 SIOS J s~ 7S n.soo to S4 999 SllS l.S% 75 ss.ooo to S9 999 $14S J.S~ 7S SIQ,_OOO to $14,999 Sl$,000 lg $19)99 Sl1S $2M ). ~% J .S% ,, n S20000~~ . n.ts l.S% 75 $25 00010 $29.999 ~·' 3 S% n $30 000 II) S34 999 ~m ) .5% 7S SJS.OOO to S40 000 SJ6S D% n Oftr sco.ooo }.ni'OY&I~ired Norwithumdizllmy1tlina bcn111 exprawd 01 impl~ co the caWwry hcraD (i) wry tn~Dunl of'IIIIM!Il 4\lt ~ o"'in& sNJIII& caiCIIIAU:d liS proo.idecl ~In tnc!lbcn rOUDdcd liP 10 1/1( IICCI ~ ~ SS.OO lllQ'CinColll &lid ~ IIifie' IIIAO.IZII IJIIll be &tiC llnCnlll af~ due 1M o~ 10 Iktller hl:mmder, (n) lnlerea sllall KUUe llld IIWl be cal~altd &lid~ tbr a l'llinmn.un pciodiDII\Inlllnl of21 ~ rt:prdi.A of~ "'~ MYWC;, ~ - (iio) mCbe CY.., dill !be~ is ltJI"i4 lfk1 h ue 4ly tam a.e d&e dl&rltle Altt&net i1 made, flddiliollalltarltsl Wllecc:Nt llld stlall be ealc:uleo:d md dllrpf {lluf &IIIII be dlle IDd Pl)'atll~ on tic a !hit the AMI\cc il r~ lcr a period d!ir It!. A4wDot ii ~ I2W mds aa !he dal& dlaJ lllil.t aea hi&Mr t\101 ~ec day lncRn!rnl wil:l Mb SC¥CD ay izlc:mDala bAn& calcGlu.d froaa 1tw dat ltlll ~ Mvlncc is CDidc.

m ~TJU: I Required Pri~ ll.educdoo to E.sttllll Period "''"" HOI licabk Da~ Ualt t..D.u ADtOwet: Flat ftt : Coatrwt Rail.: solD $2,499 S6S NOll( n,m IDS4,.999 sas Noa: ss.ooo Q) 19.999 SIIS N011~ I sI0 000 IO Sl4.SJ99 Sl6$ I\one SIS 000 ro 519.999 sm None no.ooo ro s:IA.999 Ul$ No~ ru ooo 10 !29.999 t26S Sene $)() 000 10 13'.999 J.29S None SlS 000 to S40 000 SliS NOllie ()o..u ~0.000

::"j_ ..

Approval R.c:quue4

,_,.,._,_,,~, .2..:--...:.~.__,,..__ _ _..2011.

Ltpl N&mc r4 Oall«: AawmcdiUas y' A.uCiioo Crcd11Eruaprucs, U.C, a Toa lim1