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IMPORTANT NOTICE REGARDING USE OF COLOR PRINTER A color printer must be used in printing this contract. California law requires that certain sections of the Purchase Order be printed in red. BPI is not responsible for any losses or liability resulting from failure to use a color printer to print this contract.

IMPORTANT NOTICE REGARDING USE OF COLOR · PDF fileIMPORTANT NOTICE REGARDING USE OF COLOR PRINTER A color printer must be used in printing this contract. California law requires that

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Page 1: IMPORTANT NOTICE REGARDING USE OF COLOR · PDF fileIMPORTANT NOTICE REGARDING USE OF COLOR PRINTER A color printer must be used in printing this contract. California law requires that

IMPORTANT NOTICE

REGARDING USE OF COLOR PRINTER

A color printer must be used in printing this contract.California law requires that certain sections of the Purchase Order be printed in red.

BPI is not responsible for any losses or liability resulting from failure to use a color printer to print this contract.

Page 2: IMPORTANT NOTICE REGARDING USE OF COLOR · PDF fileIMPORTANT NOTICE REGARDING USE OF COLOR PRINTER A color printer must be used in printing this contract. California law requires that

UNLESS OTHERWISE INDICATED ON THE“BUYER’S GUIDE” AFFIXED TO THE SIDE

WINDOW OF THE VEHICLE

THISVEHICLE

SOLD

NOTICES: The names and addresses of all persons to whom the notices required or permitted by law to be sent are set forth at the top of this form.If you are buying a used vehicle with this purchase order, as indicated in the description of the vehicle above, federal regulation may require a special Buyer’s Guide to be displayed on the window.THE INFORMATION YOU SEE ON THE WINDOW FORM FOR THIS VEHICLE IS PART OF THIS PURCHASE ORDER. INFORMATION ON THE WINDOW FORM OVERRIDES ANY CONTRARY PROVISIONS IN THE PURCHASE ORDER.

BPI 501-e 7/13 Page 1 of 6X ______________________________________________Buyer’s Signature

X ______________________________________________Co-Buyer’s Signature

PURCHASE ORDER WITH FEDERAL DISCLOSURES

Buyer’s Name, Address and Phone Number: Co-Buyer’s Name, Address and Phone Number: Seller/Creditor’s Name, Address and Phone Number:

YEAR MAKE / MODEL

ANNUALPERCENTAGE RATE:

The cost of your credit as a yearly rate.

%

FINANCE CHARGEThe dollar amount the credit willcost you.

$ (e)

Amount FinancedThe amount of credit provided to you on your behalf.

$

Total of PaymentsThe amount you will have paid after you have made all paymentsas scheduled.

$ (e)

Total Sale PriceThe total cost of your purchase on credit, including your downpayment of

$__________________ is

$ (e)

Number of Payments:One Payment ofOne Payment ofOne Payment of

One Final Payment

Amount of Payments: When Payments Are Due:

Monthly, beginning

NEW/USED

C. SECURITY:

YOUR PAYMENT SCHEDULE WILL BE:B.

501-e 7/13

COLOR

.ON .CIL

REBMUN NOITACIFITNEDI ELCIHEVGNIDAER RETEMODO

PRIMARY VEHICLE USE: Personal, Family or Household Commercial or Agriculture

SERUSOLCSID GNIDNEL-NI-HTURT LAREDEF.A

The words “our,” “we” and “us” refer to the creditor/seller in this contract, or upon any assignment, its assignee. The words “you” and “your” refer to the buyer and co-buyer, if any, named in this contract. We sell you the motor vehicle described above on credit. The credit price is the “Total Sale Price” shown below. The “Cash Price” is also shown below. By signing this contract, you agree to buy the vehicle on credit and pay the Total Sale Price according to the terms, agreements and schedules shown on this contract. If this contract is signed by a buyer and co-buyer, each is together and individually responsible for all agreements in this contract.SEE OTHER PAGES FOR ADDITIONAL TERMS AND AGREEMENTS.

SECURITY: You are giving a security interest in the goods or property being purchased. LATE CHARGES: If any payment is more than 10 days late you may be charged 5% of the late amount. PRE-PAYMENT: If you pay early, you may be entitled to a refund of part of the finance charge. See this contract for more information concerning nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds and security interest. (e) MEANS AN ESTIMATE

Stock Number:R.O.S. Number:Contract Number:Dealer Number:

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BPI 501-e 7/13 Page 2 of 6X ______________________________________________Buyer’s Signature

X ______________________________________________Co-Buyer’s Signature

STATEMENT OF INSURANCENOTICE: No person is required, as a condition of financing the purchase of a motor vehicle, to purchase or negotiate any insurance through a particular Insurance company, agent or broker.You have requested Seller to include in the balance due under this agreement the following insurance. Buyer requests seller to procure insurance upon the described property against fire, theft, and collision for the term of this agreement. Any insurance will not be in force until accepted by the insurance carrier. Premium$ ____________ DED., COMP., FIRE & THEFT _______ Mos. $ _______$ _______________DEDUCTIBLE COLLISION _______ Mos. $ _______BODILY INJURY $_________________ LIMITS _______ Mos. $ _______PROPERTY DAMAGE $ ____________ LIMITS _______ Mos. $ _______MEDICAL _____________________________________ Mos. $ _______

_____________________________________________ Mos. $ _______ TOTAL VEHICLE INSURANCE PREMIUMS $ ______(a)The foregoing declarations are hereby acknowledged.

X _____________________________ X ___________________________SELLER BUYERX ___________________________________________________________CO-BUYER

OPTIONAL CREDIT & DISABILITY INSURANCE AUTHORIZATION AND APPLICATIONYou voluntarily request the credit insurance checked below, if any, and understand that such insurance is not required. You acknowledge disclosure of the cost of such insurance and authorize it to be included in the balance payable under the security agreement. Any returned or refunded credit insurance premiums shall be applied to the sums due under this contract. Only the persons whose names are signed below are insured.CREDIT LIFE_________________________ Mos. Premium $ _______JOINT LIFE __________________________ Mos. Premium $ _______CREDIT DISABILITY ___________________ Mos. Premium $ _______

TOTAL VEHICLE INSURANCE PREMIUMS $ _______(b)Company ___________________________________________________You want Credit Life Insurance You want Joint Credit Life InsuranceYou want Credit Disability Insurance (Primary Buyer only)You are applying for the credit insurance marked above. Your signature below means that you agree that:(1) You are not eligible for insurance if you have reached your 65th birthday.(2) You are eligible for disability insurance only if you are working for wages or profit 30 hours a week or more on the effective date. (3) Only the primary buyer is eligible for disability insurance.DISABILITY INSURANCE MAY NOT COVER CONDITIONS FOR WHICH YOU HAVE SEEN A DOCTOR OR CHIROPRACTOR IN THE LAST 6 MONTHS (refer to “Total Disabilities Not Covered” in your policy or certificate for details).By Signing below, you agree to buy credit insurance.

___________X __________________________________________________DATE PRIMARY BUYER AGE___________X __________________________________________________DATE CO-BUYER AGE

SERVICE CONTRACT (Optional) You request a service contract written with the following company for the term below. The cost is shown on line 1I in Itemization of Amount Financed.

Company _____________________________________________________

Term__________________ Mos. or ____________________________ Miles

Company _____________________________________________________

Term__________________ Mos. or ____________________________ Miles

Company _____________________________________________________

Term__________________ Mos. or ____________________________ Miles

Company _____________________________________________________

Term__________________ Mos. or ____________________________ Miles

Company _____________________________________________________

Term__________________ Mos. or ____________________________ Miles

Buyer X _______________________________X _____________________

DISCLOSURE OF AUTO BROKER FEEA BROKERAGE FEE: was was not paid.

Paid To (name) ________________________________________________

____________________________________________________________

ITEMIZATION OF AMOUNT FINANCED - Seller may keep a portion of these amounts.1. Total Cash Price A. Cash Price Motor Vehicle and Accessories $________________ (A) 1. Cash Price Vehicle ..................$ ______________ 2. Cash Price Accessories...........$ ______________ 3. Other........................................$ ______________ ________________________ $ _______________ B. Document Processing Charge.................... $________________ (B) (not a governmental fee)

C. Emissions Testing Charge.......................... $________________ (C) (not a governmental fee)

D. (Optional) Theft Deterrent Device(s) (To whom paid) _________________________________ $________________ (D) _________________________________ $________________ (D) _________________________________ $________________ (D) E. (Optional) Surface Protection Product(s) (To whom paid) _________________________________ $________________ (E) _________________________________ $________________ (E) _________________________________ $________________ (E) F. EV Charging Station ................................... $________________ (F) To Whom Paid _______________________________________ G. Sales Tax (on taxable items) ...................... $________________ (G) H. Electronic Vehicle Registration or transfer charge ........................................... $________________ (H) (not a governmental fee)

To Whom Paid _______________________________________ I. (Optional) Service Contract (To whom paid) _________________________________ $________________ (I) _________________________________ $________________ (I) _________________________________ $________________ (I) _________________________________ $________________ (I) _________________________________ $________________ (I) J. Prior Credit or Lease Balance (e) paid by Seller to _________________________________ $________________ (J) (See down payment and trade-in calculation) K. (Optional) Debt Cancellation Agreement (GAP). $________________ (K) To Whom Paid _______________________________________ L. Used Vehicle Contract Cancellation Option Agreement ...................................... $________________ (L) M.Other (For) ________________________ $________________ (M) To Whom Paid _______________________________________ Total Cash Price (A through M) ........................................................ $ _________________(1)2. Amounts Paid to Public Officials A. License Fees .............................................. $________________ (A) B. Registration/Transfer/Titling Fees .............. $________________ (B) C. California Tire Fees .................................... $________________ (C) D. Other........................................................... $________________ (D) Total Official Fees (A through D) ...................................................... $ _________________(2)3. Amounts Paid to Insurance Companies (Total premiums from Statement of Insurance column a+b) .............. $ _________________(3)4. State Emssions Certification Fee or ..........................................$ _________________(4) State Emissions Exemption Fee ................................................ $ _________________(4)5. Subtotal (1 through 4) ...................................................................... $ _________________(5)6. Total Down Payment A. Trade-in Value ............................................ $________________ (A) Yr ___________ Make _____________________ Model____________________________ Odometer______________________________ V.I.N. ______________________________ B. Less Prior Credit or Lease Balance (e)........ $________________ (B) C. Net Trade-in (A less B) .............................. $________________ (C) (indicate if a negative number)

D. Deferred Down Payment ............................ $________________ (D) E. Manufacturer’s Rebate ............................... $________________ (E) F. Other........................................................... $________________ (F) G. Remaining Cash Down Payment................ $________________ (G) Total Down Payment (6C through G)............................................... $ _________________(6)(If negative, enter zero on line 6 and enter the amount less than zero as a positive number on line 1J above)7. Amount Financed (5 less 6) ............................................................ $ _________________(7)

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1. APPROVAL OF BUYER’S CREDIT This purchase order is subject to approval of Buyer’s credit. Buyer must return any vehicle delivered hereunder to Seller within 24 hours of receipt of written or oral notice of Seller’s rejection of Buyer’s credit. The Buyer is responsible for all damage to such vehicle while under the Buyer’s custody or control. Upon return of the vehicle, Seller will refund to Buyer all considerations paid hereunder, less the cost of repair to the vehicle. If the Buyer’s trade-in has been disposed of by the Seller, Seller will refund to Buyer the fair market value of the trade-in or its value as stated in this order, whichever is greater. The Buyer certifies that all information and all representations given or made by the Buyer with respect to this purchase order are true and correct. Buyer agrees to establish the correctness of all such information and representations on demand.

2. GAP There may be a gap between the amount you owe under this contract and the amount of your insurance settlement and deductible. In the event of theft or damage to your vehicle, YOU ARE LIABLE FOR THIS GAP AMOUNT. An optional gap (debt cancellation) contract for coverage of this gap amount may be offered for an additional charge.

3. SECURITY AGREEMENT If this sale is a cash transaction, Buyer shall pay the unpaid balance hereunder before Buyer takes delivery. In all other transactions, Buyer shall execute a security agreement containing, among others, the terms specified hereon, before Buyer takes delivery. Buyer agrees to take delivery of vehicle within 24 hours of written or oral notice that the vehicle is ready for delivery.

4. CHANGE OF PRICE OR DESIGN The factory has reserved the right to change the price to the Seller of any new motor vehicle or accessories without prior notice. If the price of the vehicle or accessories ordered hereunder is changed by the factory prior to delivery to Buyer, Seller may increase the price hereunder to the Buyer accordingly. If taxes or fees imposed by any government entity on the vehicle or accessories ordered hereunder are increased prior to the delivery of the vehicle to the Buyer, Seller may increase the price hereunder to the Buyer accordingly. The Buyer shall not be relieved of any Buyer’s obligations hereunder because of any change by the factory in the design of the vehicle, chassis, accessories or parts thereof ordered hereunder. Buyer agrees to accept the vehicle as produced by the factory.

5. SELLER NOT LIABLE Seller is not liable for any failure to comply with the terms of this order when such failure is due, in whole or in part, to any cause or condition beyond the control of the Seller.

6. SELLER SHALL RETAIN TITLE Seller shall retain title to the vehicle until all checks, notes or drafts paid to Seller hereunder are honored and paid in full. The Seller or holder of the contract may charge and collect a $15.00 fee for the return by any depository institution of a dishonored check, negotiated order of withdrawal, or share draft issued in connection with this contract. In the event any such instrument is dishonored, Seller may, without prior notice, repossess the vehicle.7. NON-ASSIGNMENT BY BUYER Buyer cannot assign this order without the written consent of Seller.

8. REAPPRAISAL OF TRADE-IN If a vehicle trade-in, which is part of the consideration for the vehicle ordered hereunder, is not to be delivered to Seller until Buyer takes delivery of the vehicle ordered hereunder, the trade-in shall be reappraised at that time and such reappraisal will determine the allowance made for the trade-in. If the allowance pursuant to such reappraisal is less than the allowance indicated hereon, Buyer, at Buyer’s option, may

cancel this order. However, Buyer must exercise this option before Buyer surrenders the trade-in to Seller and takes delivery of the vehicle ordered hereunder.9. BUYER WARRANTIES Buyer certifies (1) that Buyer is the lawful owner of the vehicle trade-in identified hereon; (2) that Buyer has the right to sell same; (3) that Buyer will warrant and defend the title to the vehicle against the claims and demands of all persons whomsoever except the lienholder identified hereon; and (4) that the trade-in is free from all liens and encumbrances except those identified hereon. If the amount required to pay off any liens on the trade-in is greater than the amount shown hereon, then the excess shall be paid by Buyer on demand or added to the amount due under the security agreement, if any, executed pursuant hereto.10. ESTIMATION OF FEES Buyer acknowledges that the Department of Motor Vehicles fees are estimated. If the actual amount of the fees Is greater than the amount shown, the excess shall be paid by Buyer on demand or added to the amount due under the security agreement, if any, executed pursuant hereto. If the actual amount of the fees is less than the amount shown, the difference will be refunded to Buyer.11. SELLER’S WARRANTIES UNLESS WRITTEN ON THIS AGREEMENT OR ON A SEPARATE AGREEMENT PROVIDED BY THE SELLER, SELLER MAKES NO EXPRESS WARRANTIES. ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS IS LIMITED TO THE TIME PRESCRIBED BY LAW. ANY REFERENCE TO MODEL YEAR IS STRICTLY FOR THE PURPOSE OF IDENTIFICATION AND IS NOT A WARRANTY. SELLER ASSUMES NO LIABILITY FOR LOSS OF USE, CONSEQUENTIAL DAMAGES OR COMMERCIAL LOSS.12. ATTORNEY-IN-FACT In order to effectuate the right of the holder hereof, as allowed by law, you hereby appoint the holder of this agreement to be your attorney-in-fact for each of the following purposes: (a) to execute on your behalf all documents necessary to transfer title to the vehicles (including trade-ins) that are the subject of this agreement; (b) to execute on your behalf all documents necessary to transfer or obtain payment of insurance proceeds in connection with any insurance on the vehicles (including trade-ins) that are the subject of this agreement; (c) to execute on your behalf all documents necessary to effectuate the holder’s rights under this agreement. You acknowledge that the holder has an interest in the said vehicle and insurance proceeds and that this power of attorney is irrevocable and shall remain in effect until all of your obligations under this agreement have been discharged.

13. WAIVER OF CONFIDENTIALITY You understand and agree that you waive your right, under Section 1808.21 of the California vehicle code, to the confidentiality of your resident address in the records of the Department of Motor Vehicles and you authorize the Seller to request your residence address from the Department of Motor Vehicles if required by the Seller in enforcing this agreement.

USED CAR BUYER’S GUIDE The information you see on the window form for this vehicle is part of this purchase order. Information on the window form overrides any contrary provisions in the purchase order.Guía para compradores de vehiculos usados. La información que ve en el formulario de la ventanilla para este vehiculo forma parte de la presente orden de compra. La información del formulario de la ventanilla deja sin efecto toda disposición en contrario contenida en la orden de compra.

DEFAULT AND DELINQUENCY: If Buyer is in default, Seller may accelerate debt and (a) sue for amount owing or (b) repossess vehicle. A 5% delinquency charge will be payable on any installment in default 10 days or more.

SECURITY INTEREST: To secure all your obligations under this agreement you convey to Seller a security interest under the California Commercial Code in: (a) the motor vehicle which is the subject matter of this sale, including any replacement of that motor vehicle or accessories, accessions, or replacement of those accessories or accessions or proceeds thereof; (b) the proceeds of any insurance policies covering the motor vehicle which are required by the Seller or the returned premiums of any such policies if the premiums for such policies are included in the unpaid balance; (c) the proceeds of any credit insurance policies which the Buyer purchases in connection with the motor vehicle conditional sale contract or the return premiums of any such policies if the premiums for such policies are included in the unpaid balance; (d) the proceeds and returned price of any service contract if the cost of such contract is included in the unpaid balance.

PREPAYMENT AND ACCELERATION: If the Buyer makes a full prepayment or if the payment is accelerated upon default, then any unearned finance charge will be calculated by the sum of the periodic time balances. Buyer will pay at least $25 in total finance charges. Seller will not pay a refund if it is less than $1.00.

LATE CHARGES: A late charge of 5% is payable on any payment past due 10 days.

ADDITIONAL TERMS, CONDITIONS AND AGREEMENTS

BPI 501-e 7/13 Page 3 of 6X ______________________________________________Buyer’s Signature

X ______________________________________________Co-Buyer’s Signature

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NOTICE TO BUYER: (1) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. (2) You are entitled to a completely filled in copy of this agreement. (3) You can repay the full amount due under this agreement at any time and obtain a partial refund of the finance charge if it is $1 or more. Because of the way the amount of this refund will be figured, the time when you prepay could increase the ultimate cost of credit under this agreement. (4) If you default in the performance of your obligations under this agreement, this vehicle may be repossessed and you may be subject to suit and liability for the unpaid indebtedness evidenced by this agreement.

TELEPHONE MONITORING AND CALLINGI agree that you, your affiliates, agents, assigns and service providers may monitor and record telephone calls regarding my account to assure the quality of your service or for other reasons. I also expressly consent and agree to you, your affiliates, agents and service providers using written, electronic or verbal means to contact me. This consent includes, but is not limited to, contact by manual calling methods, prerecorded or artificial voice messages, text messages, e-mails and/or automatic telephone dialing systems. I agree you, your affiliates, agents, assigns and service providers may do so using any e-mail address or any telephone number I provide, now or in the future, including a number for a cellular phone or other wireless device, regardless of whether I incur charges as a result.

NOTICE (Federal Law)ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

BUYER AGREES TO EXECUTE A SECURITY AGREEMENT ACCORDING TO THE TERMS OF THE PURCHASE ORDER

THE AGREEMENT SHALL PROVIDE:

CREDIT APPROVAL TERMS AND CONDITIONS (RIGHT TO CANCEL)1. Buyer agrees to furnish Seller any documentation necessary to verify information contained in the credit application of Buyer.

2. Buyer acknowledges that it may take a few days for Seller to verify the credit of Buyer and assign the contract. In consideration of Seller agreeing to deliver the vehicle, Buyer agrees that if Seller is unable to assign the contract to any one of the financial institutions with whom Seller regularly does business pursuant to terms of assignment acceptable to Seller, Seller may elect to rescind the contract.

3. In the event Seller elects to rescind the contract, Seller shall, within 10 days of the date of the contract, give Buyer notice of the rescission. Such notice is deemed given upon deposit of a written notice in the United States mail directed to Buyer at the address of Buyer stated in the contract or in any other manner in which actual notice is given to Buyer. Upon receipt of such notice, Buyer shall immediately return the vehicle to Seller in the same condition as when sold, reasonable wear and tear excepted, and the contract shall then be deemed rescinded. Seller agrees, upon rescission of the contract, to restore to Buyer all consideration received in connection with the contract, including any trade-in vehicle.

4. In the event the vehicle is not immediately returned to Seller upon notice of Seller’s election to rescind the contract, Buyer shall be liable to Seller for all expenses incurred by Seller in obtaining possession of the vehicle, including attorney’s fees, and Seller shall have the right to repossess the vehicle with free right of entry wherever the vehicle may be found.

5. While in possession of Buyer, all terms of the contract, including those relating to use of the vehicle and insurance for the vehicle, shall be in full force and all risk of loss or damage to the vehicle shall be assumed by Buyer, who shall pay all reasonable repair costs related to any damage sustained by the vehicle while in the possession or control of Buyer and until the vehicle is returned to Seller.

If you have purchased credit disability insurance with this transaction, the following claim procedures apply:

CLAIM PROCEDUREIf you become disabled, tell us (your creditor) right away. (We advise you to send this information to the same address to which you

are normally required to send your payments unless a different address or telephone number is given to you in writing by us as the location where we would like to be notified.) We will tell you where to get claim forms. Send in the completed form to the insurance company as soon as possible and tell us as soon as you do.

If your disability insurance covers all of your missed payment, WE CANNOT TRY TO COLLECT WHAT YOU OWE OR FORECLOSE UPON OR REPOSSESS ANY COLLATERAL UNTIL THREE CALENDAR MONTHS AFTER your first missed payment is due or until the insurance company pays or rejects your claim, whichever comes first. We can, however, try to collect, foreclose, or repossess if you have money due and owing us or are otherwise in default when your disability claim is made or if a senior mortgage or lienholder is foreclosing.

If the insurance company pays the claim within the three calendar months, we must accept the money as though you paid on time. If the insurance company rejects the claim within the three calendar months or accepts the claim within the three calendar months as a partial disability and pays less than for a total disability, you will have 35 days from the date that the rejection or the acceptance of the partial disability claim is sent to pay past due payments, or the difference between past due payments and what the insurance company pays for the partial disability, plus late charges. You can contact us and we will tell you how much you owe. After that time, we can take action to collect or foreclose or repossess any collateral you may have given.

If the insurance company accepts your claim but requires that you send in additional forms to remain eligible for continued payments, you should send in these completed additional forms no later than required. If you do not send in these forms on time, the insurance company may stop paying, and we will then be able to take action to collect or foreclose or repossess any collateral you may have given.

BPI 501-e 7/13 Page 4 of 6X ______________________________________________Buyer’s Signature

X ______________________________________________Co-Buyer’s Signature

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OPTIONAL DEBT CANCELLATION CONTRACT (GAP). Debt cancellation coverage is not required to obtain credit. I want to purchase a debt cancellation contract which is part of this contract shown in line (1K) of itemization of Amount Financed.

Company__________________________________Term ____________________________________Months

Buyer X ______________________________________ X ________________________________________

SELLER ASSISTED LOAN: FOR THIS LOAN, BUYER MAY BE REQUIRED TO PLEDGE SECURITY AND WILL BE OBLIGATED FOR THE INSTALLMENT PAYMENTS ON BOTH THE SECURITY AGREEMENT AND THE LOAN.

Proceeds of Loan-From ____________________________________________________________________

Amount $__________________________________Finance Charge $ _______________________________

Total $ ____________________________________

Payable in _________________________________Installments of $ ________________________________

$ ________________________________________from this loan is described in (6D) under Itemization of Amount Financed.

NOTICE TO BUYER:If prepayment refund is pursuant to the Actuarial Method, Notice A applies.

In other cases, Notice B applies.A. Notice to Buyer: (1) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. (2) You are entitled to a completely filled-in copy of this agreement. (3) You can prepay the full amount due under this agreement at any time and obtain a partial refund of the finance charge if it is $1 or more. (4) If you default in the performance of your obligations under this agreement, this vehicle may be repossessed and you may be subject to suit and liability for the unpaid indebtedness evidenced by this agreement.B. Notice to Buyer : (1) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. (2) You are entitled to a completely filled-in copy of this agreement. (3) You can prepay the full amount due under this agreement at any time and obtain a partial refund of the finance charge if it is $1 or more. Because of the way the amount of this refund will be figured, the time when you prepay could increase the ultimate cost of credit under this agreement. (4) If you default in the performance of your obligations under this agreement, this vehicle may be repossessed and you may be subject to suit and liability for the unpaid indebtedness by this agreement.

ASSIGNMENT

Seller assigns its interest in this contract to:

Assignee Address

Assigned with recourse

Assigned without recourse

Assigned with limited recourse

___________________________________________________ ________________________________________ ________________________________Seller By Title

NOTICE OF ASSIGNMENT COPY SENT

DATE SENT SIGNED BY

PREPAYMENT REFUND: Any refund for prepayment in full will be calculated as follows: According to the Actuarial Method According to the Sum of the Periodic Time Balances According to the Rule of 78’s (If no box is checked the method for calculating the prepayment refund will be deemed to be the Sum of the Periodic Time Balances)

TRANSFER TITLE FEES: (Not Financed): The Buyer will pay the estimated fee(s) of $________________ to the appropriate public authority in order to transfer registration after payment in full.

OPTION: You pay no Finance Charge if the Amount Financed, item 7, is paid in full on orbefore ______________________________Year ______________ SELLER’S INITIALS __________

BPI 501-e 7/13 Page 5 of 6X ______________________________________________Buyer’s Signature

X ______________________________________________Co-Buyer’s Signature

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Acknowledgement of Seller’s Right to CancelBy signing you agree that Seller may cancel the sale if we are unable to assign this contract to a financial institution.

Buyer’s Signature _________________________________________________ Co-Buyer’s Signature __________________________________________________

Trade in Payoff - Seller used and relied upon information from you or lessor of your trade-in vehicle for the payoff amount in 6B of the Itemization of Amount Financed as the “Prior Credit or Lease Balance.” You understand that the amount quoted is an estimate. Seller agrees to pay the amount in 6B to the lienholder or lessor of the trade-in vehicle, or its designee. If the payoff amount is more than the amount shown in 6B, you must pay the Seller the excess on demand. If the payoff amount is less than the amount shown in 6B, Seller will refund any overage Seller receives from the prior lienholder or lessor. Except as stated in the “Notice” on the back of this contract, any assignee of this contract will not be obligated to pay the Prior Credit or Lease Balance or any refund due from the Seller.

X ______________________________________________________ X ________________________________________________________

Legal Owner _______________________________________________________________________________________________________Buyer certifies that he/she is of legal age, and agrees to sign a Security Agreement according to the terms herein. In the event Payoff figures are more than quoted by the Buyer, Buyer hereby agrees to pay this excess on demand. This purchase order is subject to credit approval and is not binding unless signed by an authorized representative of Seller. All used vehicles sold “AS-IS” and without guarantee as to condition, year or model, unless otherwise specified in writing.

COMPLAINT If you have a complaint concerning this sale, you should try to resolve it with the Seller. Complaints concerning unfair or deceptive practices or methods by the Seller may be referred to the City Attorney, the District Attorney, or an Investigator for the Department of Motor Vehicles, or any combination thereof. HOW THIS CONTRACT MAY BE CHANGED After this contract is signed, the Seller may not change the financing or payment terms unless you agree in writing to the change. You do not have to agree to any change, and it is an unfair or deceptive practice for the Seller to make a unilateral change.

Buyer’s Signature X_______________________________________ X _________________________________________________________THE MINIMUM PUBLIC LIABILITY INSURANCE LIMITS PROVIDED IN THE LAW MUST BE MET BY EVERY PERSON WHO PURCHASES A VEHICLE. IF YOU ARE UNSURE WHETHER OR NOT YOUR CURRENT INSURANCE POLICY WILL COVER YOUR NEWLY ACQUIRED VEHICLE IN THE EVENT OF AN ACCIDENT, YOU SHOULD CONTACT YOUR INSURANCE AGENT.WARNING: YOUR PRESENT POLICY MAY NOT COVER COLLISION DAMAGE OR MAY NOT PROVIDE FOR FULL REPLACEMENT COSTS FOR THE VEHICLE BEING PURCHASED. IF YOU DO NOT HAVE FULL COVERAGE, SUPPLEMENTAL COVERAGE FOR COLLISION DAMAGE MAY BE AVAILABLE TO YOU THROUGH YOUR INSURANCE AGENT OR THROUGH THE SELLING DEALER. HOWEVER, UNLESS OTHERWISE SPECIFIED, THE COVERAGE YOU OBTAIN THROUGH THE DEALER PROTECTS ONLY THE DEALER, USUALLY UP TO THE AMOUNT OF THE UNPAID BALANCE REMAINING AFTER THE VEHICLE HAS BEEN REPOSSESSED AND SOLD. FOR ADVICE ON FULL COVERAGE THAT WILL PROTECT YOU IN THE EVENT OF LOSS OR DAMAGE TO YOUR VEHICLE, YOU SHOULD CONTACT YOUR INSURANCE AGENT. THE BUYER SHALL SIGN TO ACKNOWLEDGE THAT HE/SHE UNDERSTANDS THESE PUBLIC LIABILITY TERMS AND CONDITIONS.

s/sX ___________________________________________________ X __________________________________________________________

The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right to receive a part of the Finance Charge.

Buyer’s Signature X ______________________________________ Date __________ Co-Buyer’s Signature X______________________________________ Date __________A Co-buyer is responsible for the payments of the debt on this contract. An additional owner is listed on the title as an owner, but is not responsible for payment of the debt on this contract.

Additional Owner _________________________________________ Address ___________________________________________________

Seller __________________________________________________ Address ___________________________________________________

By X___________________________________________________ Title_______________________________________________________

BPI 501-e 7/13 Page 6 of 6© BPI Custom Printing Form # 501-e (Rev. 7/13) • (800) 339-9686 Nationwide • (800) 296-3316 Northern California • www.bpicustomprinting.comThe Printer makes no warranty, expressed or implied, as to content or fitness for purposes of this form.

BUYER ACKNOWLEDGES THAT

(1) BEFORE SIGNING THIS AGREEMENT BUYER READ BOTH SIDES OF THIS AGREEMENT AND RECEIVED A LEGIBLE, COMPLETELY FILLED IN COPY OF THIS AGREEMENT, AND

(2) BUYER HAS RECEIVED A COPY OF EVERY OTHER DOCUMENT THAT BUYER SIGNED DURING THE CONTRACT NEGOTIATION.

THERE IS NO COOLING OFF PERIOD UNLESS YOU OBTAIN A CONTRACT CANCELLATION OPTIONCalifornia law does not provide for a “cooling off”or other cancellation period for vehicle sales. Therefore, you cannot later cancel this contract simply because you change your mind, decide the vehicle costs too much, or wish you had acquired a different vehicle. After you sign below, you may only cancel this contract with the agreement of the Seller or for legal cause, such as fraud. However, California law does require a seller to offer a two (2) day contract cancellation option on used vehicles with a purchase price of less than forty thousand dollars ($40,000), subject to certain statutory conditions. This contract cancellation option requirement does not apply to the sale of a recreational vehicle, a motorcycle or an off highway motor vehicle subject to identification under California Law.