CONSUMER RETAIL CONTRACT AND SECURITY AGREEMENT Buyer: I m: 9/1 3/2012 Addraoa: Account No.: FORT POLK LA 71459 j? 5oIIor(Cradl1or]: usa nrscouurens. LTD. g3g? - - A V1rg1nIa Beach. 23450 337-235-2951 ESCRIPTION or GOODS moron SERVICES HUFACTURER ODEL no. ERIAL no. CASH PRICE 1 TV 46' LCD SE1 SC-462TC 899 I10 1 KIT MATTRESS EURO 701: Ann FOUNDATION QUEEN ODORAN 799-90 11 1 MATTRESS QUEEN EURO TOP FSM I 1 rouumnon QUEEN FSM OFOUNDATION 1 SOFA ASHLEY 7155333 599 DO 1 KIT-ON PANEL BED ASHLEY B219-ON-PANEL-BED 499 on 11 1 FOOTBOARD PANEL 5:0 ASHLEY 3219-51 I21 1 I-IEADBOARD PANEL OUEEN ASHLEY 3219-55 LAT 510 ONLY WI FTBDI ASHLEY 8219-98 3' usn TIRE-C pncxonoen 1.540 on USA TIRES 0 2 TTISEBTIAA7 R510 USA TIRETAX-LA SPECIAL ORDER 5 1 INSTALLATION INSTALLATION I10 1 DELIVERY mo SHIPPING 165- I 1 {Li Anna um: Good: to ho ham: FORT POLK. LA 71459 Delivery Slate. 13 ol Amount Flnonood 5 0? 7 Tom! of new purcnasoo warranty dobl cnI1(4+5+6) 8 5.714 50 2. Lou rofundod portion of Ifinanoa Charge and other charges pnor 5 3' s--4311 Fmanca Charge 5 0 OD 9. C8831 PHOII Warranty cum. 5 1' a on 10. Crash Down Paymonl a no Crodll LII: loo. 8 0 00 10a. Trade-In 0 00 Crodn Prop. Inn. 5 00 11 Balanoo Botoro Frnanung Ina) 8 6.177 91 Don cananllauon 8 000 12 Undonn Commercial Code ?ung be 3 no 3. Not 000 13. Amoum?nancod 111412) 3 6.177 91 4 Turn! amount of new Iwrcham 14. scan Spoo1aIIoto fee 15 Iinanoo chargo) 5 5 00 5. Warranly 15. Pnnupal Loan Amount 113414) 3 6.182 91 Dobl Progrargl 3 553.50 - 23 9915 Amount Tom 0! Tom Solo ANNUAL Flrunood Payrn-onto P1-loo PERCENTAGE RATE Tho amount of dead The arnounl you wm have The loan cost of The cos! ol your nod?: provudod to you or on paid altar you have made your purchase on crodrl as a yurry rah. . your honll. a I payments as scheduled Indudrng your downpaymont ol 5 0.00 24.03115 . 5 6,177.91 3 7,995.24 3 Your Pa nl Sdtoclulu all Do: Numbor of Payments Arnounl Payments when Payrnomo are Our: 4 as 2911 benlnnina on 1111112012 1 296 Final aonodulod on 12112614 SECURITY: You arndsorviooapurdruod undaryourpnoroonuacta. Ifany. may secure this Contract PREPAYIENTIREFIIANCINO: It you pay on early or rolinanoa In oonlraot. you may no onmloo In a rolund ol pan of the fmanoo charge LATECHARBE: Forany inalallmanl duodato. a Ialadrarnowr?bo uaosaodinmearnounl o1 55501111: sea your oonlroa documon1 for any Ichmonal informatnon ahou1 (II nonpayment. oofaun. (Iii) any requuod repayment In full before the scheduled data; and 111:) prnpayrnont rotunda and ponalios. FOR USE BY BUYERISI. Tna Buyout) (referred as ?Buyr 111110111111 one or more) purI:nau1s) Ina Goods and Samoa: oescnbod above Irom sane: Iuhjecl Io Buyal oouopay 1rIInonu1'nI1orandan-Iounto dale: apoomod harem THE ADDITIONAL PROVISIONS SET FIOIRTII OR THE REVERSE SIDE PLUB ANY ADDENDA CONSTITUTE A PART OF THIS CONTRACT BUYER AGREES THAT BUYER IS HEREBY A CONTRACT OFFER TO SELLER WI-IICH SHALL NOT BECDIIE A BINDING CONTRACT CREDIT APPROVAL AND ACCEPTANCE AT SELLERS OFFICES IN VIRGINIA SELLERS ACCEPTANCE WILL BE EVIDENCEO BY ITS SIGMTURE BELOW Th1oAg1un1enI may be uocutoo If! any nurnou oi counlorpano. annual. NOTICE: SEE OTHER SIDE FOR INFORMATION. BUYER HEREBY ACKNOWLEDGES RECEIPT OF A COMPLETED AND FILLED-IN COPY OF THIS OFFER BEFORE SIGNING. THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE. usoo 7 BUYER. DATE Mr]! av TE 911312012 1 I Case Claim 10-1 Part 2 Desc--Exhibit -Page 2/013? 935mm Buyer hereby grants to Seller a security interest In the Goods and Services described on the reverse side of this Contract (collectively. the "Goods?) as security for the payment of the Total of Payments and of any fees, costs. or charges which Suyer may be obligated to pay pursuant to this Centred, and for the performance of Buyer a other promises and obligations under this Centred. The amount, it any. shown on the reverse side as Unpath balance from prior contradict is the unpaid balance from a previous contract or contracts Buyer has with Seller. which unpaid balance. less speci?ed refunded charges. is being consolidated. for purposes of payment. the balance for the new Goods. Buyer sdrnowiedges that Seller retains its security interest in all goods purchased on such previous which goods have not been paid for in full as of the date of this Centred. For the purpose of determining which goods have been paid for each installment payment on this Centred shall be allocated to the purchase made on this Contract and to such previous contradict not already paid for in full on the basis that the goods ?mgurohased shall be deemed ?rst paid for. and (ii) the amount of any down payment on this Centred shall be allocated In its entirely to this ntraot As particular goods are deemed fully paid in this manner. Seller secmity Interest in titesa goods shell tanninete Buyer acknowledges and represents titet Buyer is on active duty status in the S. Military See attached hemte and incorporated herein by this reference for Buyers Home State of Record. Buyer agrees than an independent company, SCRA SPECIAIJSTS. LLC of Norfolk. Virginia Specialists"). may perform an investigation to verify the facts and representations made herein relating to Buyer?s active duty status in the Military Please refer to for additional provisions. Buyer authorizes USA Discounters to release Buyer's social security number to SCRA Specialists to assist same in its investigation t: .3: a. 5 It -. 2., Forthe convenience of the Buyer. payment of an account by automatic payment (eg . allotment automated clearing house debit. direct posh. etc.) is permitted but purely voluntary by Buyer. associated with such a payment plan payable to a third party (eg bank, savings a loan. employer) are the responsibility of Buyer Buyer may matte payments in person at any USA Discounters store or by mail (cheat or money order only) mailed to Box 8008. Basalt. VA 23450-8000. Cat'sI Use and Location of Goods While tire Goods and any other goods and services Buyer has previously purchased from Seller remain subject to Seller's security interest. Buyer will keep them in good condition and tree from other liens and security interests. will not use such ganglia illegalitya or dispose of them. and will not. without prior written consent of Seller. remove such goods from the address specified on the of this ntracL 2mm Buyer may pay in advance tire lull unpaid balance wrtheul penalty and obtain a rebate of the unaamed finance charge computed in accordance with the "Rule of 78s' and subject to the retention of a mtnirnum ?nance charge of $25.00 as permitted by state law No rebate will be made If the amount thereof to less titan $1 00 Should any check be returned for insuf?cient funds. Buyer will be charged a $10 processing fee Default. Buyer shall be in default under this Centred It Buyer falls to make any inmiiment payment within 10 days after its due date: (it) Buyer falls to perform any of Buyer other premises or obligations under this Contract; or any of Buyers representations to Seller are not true or acutrata in any way. now or at any time while title Centred remains in effect. to in the event of default. Seller may at Its option demand immediate payment of the entire unpaid balance (less a credit of the unearned finance charge computed. as of the date of such demand. in accordance with the Prepayment sadion above). Such accelerated balance shall bear Interest at the interest Rate shown on the face oi title Contract. Seller shall also have all of the rights and remedies of a salaried party under the Uniferrn Commerdal Code or applicable law of the state. without limitation. the right: (I) to repossess any of the goods then subjed to Seller a secunty interest. and (lit to require Buyer to asserane the goods then subject to Seller security Interest and metro them available to Seller at a place to be designated by Seller which is reasonably convenient to both parties. In the event of Default. to the extent permitted by law. Buyer agrees to pay Seller the expenses incurred by Seller In collecting the balance due hereunder. including court and other collection costs harmed by Seller, and attorney a fees in the amount of 15% of the unpaid balance it Seller refers tilts Contract for collection to any atlomey who Is not a salaried employee of Seller or any collection agency If Buyer falls to pay the entire remaining balance owed under this centred on or by the Final Scheduled Payment date. Buyer agrees that the remaining balance shall continue to bear interest from the Final Scheduled Payment date until payment is made in full at the Interest Rate shown on the face of this Centred (however. should the balance not be paid within one year from the Final Schedule Payment Date. than the remaining balance shall bear interest at the lesser of the Interest Rate shown on the face of this Centred or Buyer agrees that any judgment obtained against Bu with reaped to this Contract shall also best interest at the Interest Rate shown on the face of this Contract In the event of Buyer?s de uit. Seller may unilaterally grant Buyer a (talent of the tires to make the paymentta) due and assess charges for sudr deferral In an amount equal to the Interest Rate shown on the face of this Centred applied against the blanca at the time of the defenai for the penod deferred (pro-rated1.1m. - It- I z. 9 The Buyer and Co-Buyereach agree that his or harobligattone hereunder shall beiolnl and several to the extent permissible under applicable law. To the extent permissible under applicable law. the Buyer and Ce-Buyer eacft hereby consents to any extension of time or deferral granted to the other by Seller for the payment of any Installment or installments hereunder. or any waiver by Seller of any of the terms and conditions of this Centred. and acknowledges that any extensions or waivers will not release him or her of any obligations hereunder. The Buyer and Ctr-Buyer each waives all Homestead and other exemptions to the extent they may lawfully be waived; provided, however. that title waiver shall apply solely to the property subject to Seller a security interest. WM if any part of title Contract is adiudged invalid. the remainder will not thereby be Invalidated. All obligations of Buyer she I bind his or her heirs. executors. administrators or successors This Contract embodies the entire agreement and understanding of the parties with reaped to the subject matter contained herein. Neither party has relied on any representations not set forth In this Centred. This Centred may not be altered without the written consent of Seller and Buyer. No oral disease shall be binding NOTICE TO THE BUYER: DO NOT SIGN THIS CONTRACT BEFORE YOU READ IT OR IF iT CONTAINS BLANK SPACES. YOU ARE ENTITLED TO A COPY OF THE CONTRACT YOU SIGN. UNDER THE LAW YOU HAVE THE RIGHT TO PAY OFF IN ADVANCE THE FULL AMOUNT DUE AND UNDER CERTAIN CONDITIONS MAY OBTAIN A PARTIAL REFUND OF THE FINANCE CHARGE. KEEP THIS CONTRACT TO PROTECT YOUR LEGAL RIGHTS. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. Important Warranty Information: SELLER MAKES NO EXPRESS WARRANTY UNLESS BUYER PURCHASES A SERVICE CONTRACT FROM SELLER AT THE TIME OF SALE OF THE GOODS OR WITHIN 90 DAYS THEREAFTER. SELLER MAKES NO IMPLIED WARRANTY. INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PURPOSE IN CONNECTION WITH THE SALE OF ANY GOODS. To the axiom permitted by law, Setter disclaims liability for consequential and Incidental loss or damage arising from any sale. The within Instrument or agreement is pledged as collateral to Wells Fargo Bank, N.A. (together with Its successors and assigns). as agent for various financial Institutions. mull Case 13-80259 Claim 10-1 Part 2 Filed 04/11/13 Desc Exhibit Page 3 of 3