RETAIL INSTALLMENT SALE CONTRACT & SECURITY AGREEMENT

In this contract, "you" and "your" refer to the Buyer (and any co-buyer). "We," "us," and "our" refer to the Seller named above and to anyone the Seller later transfers this contract to. You agree to purchase the property described below from us on credit, under the terms set out on every page of this contract.

Federal Truth-in-Lending Disclosure

Payment Schedule

Security. You grant us a security interest in the property described below as collateral for everything you owe under this contract.
Late charge. If any part of a scheduled payment is not received within 15 days after its due date, you will owe a late charge equal to 5% of the past-due amount, but not more than $25.00.
Prepayment. You may pay all or part of your balance early at any time without penalty. If you pay early, your finance charge will be reduced to the amount actually earned through the date of payoff.
Other terms. Read the rest of this contract for information about default, acceleration of the unpaid balance, our remedies, refunds, and any other rights and duties of the parties.

Property Sold

Condition: New  ✕ Used   Demonstrator

Vehicle Accepted in Trade

Itemization of the Amount Financed

Promise to Pay

You promise to pay us the Amount Financed shown above, together with finance charges calculated at the Annual Percentage Rate shown, from the date of this contract until the unpaid balance is paid in full. After maturity or after you default and we demand payment, finance charges continue to accrue at the same rate on any unpaid balance. You will make your payments in the amounts and on the dates shown in the Payment Schedule.

Insurance

Physical-damage insurance is required. You must keep the vehicle insured against loss or damage for the entire term of this contract. You may obtain that insurance from any company that is reasonably acceptable to us. If the required insurance is not provided or lapses, we may purchase coverage protecting only our interest and add the cost to your balance, as described in the separate Insurance Coverage Confirmation that accompanies this contract.

Default and Our Remedies

You will be in default if any of the following happens: (a) you fail to make any payment when due; (b) you fail to keep any other promise you make in this contract; (c) a petition in bankruptcy is filed by or against you; (d) the vehicle is lost, destroyed, or materially damaged; or (e) we reasonably believe that the prospect of payment, performance, or the value of the vehicle as collateral is significantly impaired.

If you are in default, we may, to the extent allowed by law:

• Declare the entire unpaid balance immediately due and payable.
• Require you to make the vehicle available to us at a place that is reasonably convenient to both of us.
• Take possession of the vehicle by lawful means, without breaching the peace or unlawfully entering your premises.
• Sell the vehicle in a commercially reasonable manner and apply the net proceeds to what you owe.
• Sue you for any remaining balance if the sale proceeds do not satisfy your obligations.

Exercising one remedy does not prevent us from later using any other remedy. Waiving a default on one occasion does not waive any other default. If we are required to give you notice of a sale or other disposition of the vehicle, notice mailed to your last address shown in our records at least ten (10) days before the sale (or any longer period required by law) is reasonable notice.

Security Agreement

To secure your performance under this contract, you grant us a purchase-money security interest in the vehicle described above, in all parts, accessories, and equipment attached to it now or later, in any replacement parts, and in all proceeds (including insurance proceeds and refunds of premiums or service-contract charges). You agree to:

• Keep the vehicle free of liens or claims of anyone else.
• Pay all taxes, fees, and charges assessed against the vehicle when due.
• Use the vehicle lawfully and not allow it to be used for any unlawful purpose.
• Notify us promptly of any loss, damage, or change of address.
• Allow us to inspect the vehicle at any reasonable time.

If the vehicle is equipped with an electronic location or starter-interrupt device, you authorize us to use it to locate the vehicle in the event of default.

General Terms

Entire agreement. This document is the complete agreement between you and us. Any change must be in writing and signed by both parties.
Assignment. We may transfer this contract to another party at any time. You may not transfer your obligations under this contract without our written consent.
Independent obligations. Each person who signs this contract as a buyer is fully responsible for paying it. We may release any co-buyer, any guarantor, or any collateral without affecting your obligation to pay.
Warranty. Warranty information for the vehicle is provided to you on a separate document.
Severability. If any provision of this contract is held unenforceable, the rest of the contract remains in effect.

Federal Trade Commission 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.

Lienholder

The Seller's security interest in the vehicle described above will be perfected by recording the following party as the first lienholder on the Nebraska Certificate of Title. Upon full payment of all amounts owed under this contract, the lienholder identified below (or its assignee) will release the lien of record.

Notice to Buyer

Do not sign this contract before you read it or if it contains any blank spaces. You are entitled to an exact copy of the contract you sign. Under the law, you have the right to pay off in advance the full amount due and, in doing so, to obtain a partial refund of the finance charge.

Signatures

By signing below, each Buyer acknowledges receipt of a completed copy of this contract, agrees to every term on every page, and confirms that the lienholder identified above is authorized to be recorded as the first lienholder on the Nebraska Certificate of Title for the vehicle described in this contract.

Assignment of Contract

For value received, the Seller named above ("Assignor") hereby sells, assigns, and transfers this Retail Installment Sale Contract & Security Agreement, together with the security interest in the vehicle described herein and all rights to payment under this contract, to the Assignee identified below. This assignment is made under the assignment option selected:

• Without Recourse. Assignor makes no warranty of payment by the Buyer and has no liability to Assignee if the Buyer fails to perform, except for breach of the representations expressly made in this assignment.
• With Recourse. Assignor guarantees full payment and performance of all amounts owed by the Buyer under this contract and agrees to repurchase the contract on the terms agreed separately in writing between Assignor and Assignee.
• With Limited Recourse / Repurchase. Assignor's liability to Assignee is limited to the repurchase, substitution, or other obligations stated in a separate written dealer agreement between Assignor and Assignee.

Assignor represents that: (a) this contract is genuine and arose from a bona fide retail sale of the described vehicle; (b) the down payment shown was actually received in cash, trade, or rebate as stated; (c) the vehicle has been delivered to the Buyer and is free of liens other than the one granted to Assignor; and (d) all statements on the face of this contract are true and complete to the best of Assignor's knowledge.