WIXLIB

ADDITIONAL TERMS AND CONDITIONSINSURANCE YOU MUST HAVE ON THE VEHICLE. You must keepthe vehicle insured against damage or loss (“Property Insurance”)until you have paid all that you owe under this contract. YOU MAYPURCHASE, OR PROVIDE THROUGH AN EXISTING POLICY,THE PROPERTY INSURANCE THROUGH ANYONE YOUCHOOSE WHO IS REASONABLY ACCEPTABLE TO US. You willprovide coverage in the amount of the vehicle's actual cash valueless a maximum deductible of . Each policy you get mustprovide that the insurance company will give us at least 10 days’written notice before the policy is canceled. You must name us asthe person to be paid under the policy in the event of damage orloss. If the vehicle is damaged or lost, at our option, we can use theinsurance proceeds to replace or repair it or to repay any amountsyou owe under this contract.If you do not obtain and maintain the insurance required by thiscontract and do not continue to provide satisfactory proof ofinsurance, we will consider this contract in default. We may, at ouroption, repossess the vehicle, purchase insurance at your expense,or pursue any other remedy provided for in this contract. Anycoverage we buy will pay claims to us for physical damage to thevehicle. Such coverage will not include insurance for other propertydamage or for liability for bodily injury, and will not meet therequirement for proof of financial responsibility under Illinois law.The charge for the insurance will be the premium of the insuranceand a finance charge equal to the Annual Percentage Rate shownin this contract or, at our option, the highest rate the law permits.If any insurance for which an amount is included in the contractis cancelled, any unearned insurance refund exceeding 1.00received or receivable by us shall be credited on the final maturinginstallments of the contract except to the extent those amounts areapplied toward payment for similar insurance protecting theinterests of you or us or both.You will deliver to us an insurance policy meeting the requirementslisted above to be issued byInsurance Company:Agent:WE MAY BUY COLLATERAL PROTECTION INSURANCE ATYOUR EXPENSE. Unless you provide us with evidence of theinsurance coverage required by your agreement with us, we maypurchase insurance at your expense to protect our interests in yourcollateral. This insurance may, but need not, protect your interests.The coverage that we purchase may not pay any claim that youmake or any claim that is made against you in connection with thecollateral. You may later cancel any insurance purchased by us, butonly after providing us with evidence that you have obtainedinsurance as required by our agreement. If we purchase insurancefor the collateral, you will be responsible for the costs of thatinsurance, including interest and any other charges we may imposein connection with the placement of the insurance, until the effectivedate of the cancellation or expiration of the insurance. The costs ofthe insurance may be added to your total outstanding balance orobligation. The costs of the insurance may be more than the cost ofinsurance you may be able to obtain on your own.ACKNOWLEDGEMENT OF PROPERTY INSURANCE TO BEFINANCED. If we finance the Property Insurance you arerequired by this contract to have, the following applies:Name of Insurer:Term of Insurance:Premium:You agree that the premium for the Property Insurance will beincluded in the Amount Financed under this contract.X (Buyer)X (Co-Buyer)NOTICE OF POSSIBLE REFUND OFCREDIT LIFE OR DISABILITY INSURANCEPREMIUM. (1) IF YOU HAVE PURCHASEDEITHER CREDIT LIFE OR CREDITDISABILITY INSURANCE, OR BOTH, TOGUARANTEE PAYMENTS BEING MADEIN CASE OF YOUR DEATH ORONYOURVEHICLEDISABILITY,PURCHASED UNDER AN INSTALLMENTSALES CONTRACT, YOU MAY BEENTITLED TO A PARTIAL REFUND OFYOUR PREMIUM IF YOU PAY OFF YOURINSTALLMENT LOAN EARLY. (2) IN CASEOF EARLY COMPLETE PAYMENT OFYOUR LOAN, YOU SHOULD CONTACTTHE SELLER OF YOUR CREDIT LIFE ORCREDIT DISABILITY INSURANCE TO SEEIF A REFUND IS DUE. IF YOUR VEHICLEDEALER FINANCED YOUR LOAN, THESELLER OF YOUR CREDIT LIFE ORCREDIT DISABILITY INSURANCE ISYOUR VEHICLE DEALER.NO PUBLIC LIABILITY INSURANCEISSUED WITH THIS TRANSACTION.Initials / / Page 3 of 6BuyerFZ-IL-RIC-SIA03/22Co-BuyerSellerSimple Interest Retail Installment Contract 2022 Frazer Computing, LLC

ADDITIONAL TERMS AND CONDITIONSFINANCE CHARGE AND PAYMENTS. We will compute yourFinance Charge on a daily basis at the Annual Percentage Rate onthe unpaid part of the Amount Financed. We based the FinanceCharge, Total of Payments and the Total Sale Price shown in thiscontract on the assumption that you will make each payment in theamount due and on the date due. These amounts will be more if youpay late and less if you pay early. These changes may take the formof a larger or smaller last payment or, if we choose, additionalpayments of the same amount as your scheduled payments with asmaller final payment. We will notify you about these changesbefore your final scheduled payment is due.PREPAYMENT. You may prepay all or any part of the debt that youowe under this contract at any time without penalty. If you do, youmust pay the earned and unpaid part of the Finance Charge and allother amounts due up to the prepayment date.APPLYING PAYMENTS. We may apply your payments to theearned and unpaid part of the Finance Charge, to the unpaid part ofthe Amount Financed and to other amounts you owe us in any orderwe choose, as permitted by applicable law.TRANSFER OF RIGHTS. We may transfer this contract to anotherperson. That person will then have all of our rights, privileges, andremedies.OWNERSHIP AND RISK OF LOSS. You agree to pay us allamounts owed under this contract, regardless of whether thevehicle is damaged, destroyed or missing. You agree not to transferany interest in the vehicle or this contract without our writtenpermission. You agree to keep the vehicle in good order and repair,allowing for ordinary wear and tear. You will make sure our securityinterest on the vehicle is shown on the title. If we pay any repairs,storage fees, taxes, fines or other charges, you agree to repay us.CHANGE OF ADDRESS. You agree to notify us immediately of apermanent change of address.SECURITY INTEREST. You give us a security interest in the vehicle;any money or goods received (proceeds) for the vehicle; anyaccessories, equipment, modifications, or replacement parts installed inthe vehicle; any insurance premiums and charges for service contractsreturned to us; and any proceeds of service contracts or insurancepolicies on your life or health which are financed in this contract. Thissecurity interest secures all amounts you owe, and all of your otherobligations, under this contract, as it may be amended from time to time.LATE CHARGE. You will pay a late charge on each late payment asshown in the Federal Truth in Lending Disclosures on the first page.DEFAULT. Any of the following events will be considered a default:you fail to pay any installment when it is due; you fail to perform orbreach any obligation under this contract; you fail to obtain andmaintain the insurance that this contract requires; you make anymisstatement or misrepresentation and we rely on that misstatementor misrepresentation; you become insolvent; any judgment isentered against you; the vehicle is transferred without our writtenconsent; or the vehicle is seized under any legal process. If youdefault, we can demand that you immediately pay all that you owesubject to any right the law gives you to reinstate this contract. Wedo not have to give you notice that we are demanding or intend todemand immediate payment of all that you owe. We may repossessthe vehicle; take any reasonable measures to correct the default, orsave us from loss; or pursue any other remedy permitted by law inrecovering the full remaining amount due. You will pay the reasonablecosts and expenses of these measures, to the extent the law allows.REPOSSESSION. If you are in default, we may take the vehicle fromyou if we may do so without a breach of the peace. We mayrepossess the vehicle by any means including entering yourproperty, or the property where it is stored. Personal property foundin the vehicle will be stored at your expense and will be returned toyou if you identify it within a reasonable amount of time, as may beprescribed by applicable law. We will dispose of such property afterwe have given you any notice and time to recover it that the lawrequires. However, we will keep any vehicle accessories, equipment,modifications, or replacement parts.REINSTATEMENT OF CONTRACT. If you have paid an amountequal to 30% or more of the deferred payment price or total ofpayments due at the time of repossession, you may, within 21 daysof the date of repossession, reinstate the contract and recover thevehicle from us by tendering in a lump sum: (1) all unpaid amounts,including unpaid delinquency or deferral charges due at the date ofreinstatement, without acceleration; (2) performance necessary tocure any default other than nonpayment of the amounts due; and(3) reasonable costs of repossession and costs incurred inarranging the vehicle for sale. Reasonable costs includerepossession and storage expenses, and if authorized by thecontract, reasonable attorney fees and collection agency charges.Tendering payment and performance pursuant to this limited right ofreinstatement restores your rights under the contract as though nodefault had occurred. You may reinstate the contract and recoverthe vehicle only once during the life of the contract.RETURN OF THE VEHICLE TO YOU. If we repossess the vehicleyou have the right to get it back (redeem). Unless the law gives youthe right to reinstate the contract, in order to get the vehicle back,you must pay all amounts owed, not just past due amounts. We willtell you how much you have to pay to redeem the vehicle. Your rightto redeem ends when the vehicle is sold, or we have entered into acontract for sale, or accepted the vehicle as full or partialsatisfaction of the contract, as the law allows.RE-SALE OF VEHICLE. Once your vehicle has been repossessed,we will send you notice of the re-sale at least 10 days in advance.Once your vehicle is sold, the proceeds will be credited to youraccount after reasonable expenses for retaking, holding, preparingfor sale, processing and selling the vehicle, plus attorney’s fees andcourt costs the law permits, are paid. Any surplus after applying theproceeds to your account will be returned to you unless we arerequired by law to pay the proceeds to another person. You mustpay any deficiency in your account after the proceeds of sale areapplied. Any deficiency that you do not satisfy upon our demand willbear interest at the maximum Annual Percentage Rate allowed by law.JOINT LIABILITY. All persons who sign this contract as Buyers arejointly and severally liable. We may enforce or release our rightsentirely with respect to one Buyer without affecting our rights as toany other Buyer.WHO IS BOUND. This contract is binding upon the parties, their heirs,executors, personal representatives, and/or successors and assigns.GOVERNING LAW. Federal and Illinois law apply to this contract.NO WAIVER. We can delay or refrain from enforcing any of ourrights under this contract without losing them.INTERPRETATION. If for any reason any section of this contract isdeemed invalid, all other sections will remain enforceable.TELEPHONE MONITORING AND CALLING. You agree that wemay monitor and record telephone calls regarding your account toassure the quality of our service. In addition and subject toapplicable law, in connection with servicing your account and/orcollecting amounts you may owe, you expressly consent that wemay call you and send text messages to you usingprerecorded/artificial voice messages or an automatic dialingdevice. We may do so using any telephone number you provide tous, including a cellular phone, which may result in charges to you.COLLECTION COSTS. If you are in default and we demand fullpayment, you agree to pay us interest on the amount you owe at theAnnual Percentage Rate shown in this contract. If we hire anattorney to enforce this contract, you will pay reasonable attorney’sfees. You will also pay all collection costs that are permitted by lawand all court costs associated with the collection.OPTIONAL EXTENDED SERVICE CONTRACTS. An ExtendedService Contract is optional. An Extended Service Contract is notrequired to obtain credit and will not be provided unless you agreeto pay the additional cost.Initials / / Page 4 of 6BuyerFZ-IL-RIC-SIA03/22Co-BuyerSellerSimple Interest Retail Installment Contract 2022 Frazer Computing, LLC

ADDITIONAL TERMS AND CONDITIONSRETURNED CHECK CHARGE. You agree to pay a charge of 25 forthe return of unpaid or dishonored checks. At our option, we maycharge an amount greater than 25 for all costs and expenses,including reasonable attorney's fees, we incurred in the collection of thecheck amount. We will make a written demand if we decide toundertake a nonlitigated collection against you to collect our costs andexpenses in excess of 25. “Check” includes a bank check, draft or anyother instrument that you use to make any payment under this ING GPS TRACKING DEVICE AND/OR STARTERINTERRUPT DEVICE AS CONDITION OF SALE. The vehicle is equipped with a GPS tracking device. The vehicle is equipped with a starter interrupt GPS trackingdevice. You understand and agree that this device is also apayment guarantee device and if you do not make all payments asrequired under this contract, THIS DEVICE WILL PREVENT THEVEHICLE FROM BEING STARTED.If one of the above boxes is checked, you understand that we haveplaced a tracking device on the vehicle as indicated by the checkbox,and you agree to the placement of the tracking device as a condition ofsale. You agree that we may use this device to find the vehicle. Youagree to sign all disclosure forms describing the device, and furtherunderstand and agree that these forms are a part of this Contractand are incorporated herein as though fully set forth in this Contract.WARRANTIES SELLER DISCLAIMS. Unless we make a writtenwarranty, or enter into a service contract within 90 days from thedate of this contract, to the extent not prohibited by applicablelaw, we make no warranties, express or implied, on the vehicle,and there will be no implied warranties of merchantability or offitness for a particular purpose. Notwithstanding anything tothe contrary above, and subject to the exceptions noted in“IMPLIED WARRANTY OF MERCHANTABILITY EXCEPTIONS”on Page 5, our general disclaimer of warranties does notexclude, modify, or disclaim the implied warranty ofmerchantability or the remedies for breach of the impliedwarranty of merchantability before midnight of the 15th calendarday after delivery of a used motor vehicle or until a used motorvehicle is driven 500 miles after delivery, whichever is earlier.This provision does not affect any warranties covering the vehiclethat the manufacturer may offer.IMPLIED WARRANTY OF MERCHANTABILITY EXCEPTIONS.The implied warranty of merchantability does not apply to: (1) antiquevehicles or collector motor vehicles; (2) vehicles with more than150,000 miles at the time of sale; (3) vehicles with titles that have beenbranded “rebuilt” or “flood”; (4) vehicles with a gross vehicle weight ofmore than 8,000 pounds; (5) vehicles for which we offer an expresswarranty that provides coverage that is equal to or greater than theimplied warranty of merchantability required by Illinois law; (6) anyother vehicles for which the implied warranty of merchantability doesnot apply as set forth in 815 ILCS 505/2L or other Illinois law; or (7) anyparticular defects in the vehicle for which you waive the impliedwarranty of merchantability in accordance with Illinois law.USED CAR BUYERS GUIDE: The information you see on thewindow form for this vehicle is part of this contract.Information on the window form overrides any contraryprovisions in the contract of sale.Spanish Translation: Guía para compradores de vehículosusados. La información que ve en el formulario de la ventanillapara este vehículo forma parte del presente contrato. Lainformación del formulario de la ventanilla deja sin efecto todadisposición en contrario contenida en el contrato de venta.Note: The following notice applies only to the extent the vehicle is tobe used primarily for personal, family or household use.NOTICE: ANY HOLDER OF THIS CONSUMERCREDIT CONTRACT IS SUBJECT TO ALL CLAIMSAND DEFENSES WHICH THE DEBTOR COULDASSERT AGAINST THE SELLER OF GOODS ORSERVICES OBTAINED PURSUANT HERETO ORWITH THE PROCEEDS HEREOF. RECOVERYHEREUNDER BY THE DEBTOR SHALL NOT EXCEEDAMOUNTS PAID BY THE DEBTOR HEREUNDER.The retail buyer hereunder has been informed by the retail sellerthat his contract will be sold and assigned by the retail seller to,, (a licensed Sales Finance Agency)and that the said Sales Finance Agency has a substantial interestin the business of the retail seller and that pursuant to law theretail buyer may assert all defenses equally against the retail sellerand said , Sales Finance Agency.NOTICE TO THE BUYER.1. Do not sign this agreement before you read it or if it contains any blank spaces. 2. You are entitled to an exact copy ofthe agreement you sign. 3. Under the law you have the right, among others, to pay in advance the full amount due and toobtain under certain conditions a partial refund of the finance charge.This contract consists of 6 pages. Be sure to initial all pages as indicated.THIS CONTRACT CONTAINS AN ARBITRATION CLAUSE ON PAGE 6.Signed, sealed and delivered by the Buyer, who hereby acknowledges receipt of a completed copy of this contractand agrees to its terms.RETAIL INSTALLMENT CONTRACTBuyer Signs X Date Co-Buyer Signs X DateBuyers, Co-Buyers, Other Owners and Guarantors - A buyer is a person who is primarily responsible for paying the entire debt. A co-buyer is a person whoreceives the vehicle, is listed as an owner on the Certificate of Title, or is a parent or spouse of the buyer. A co-buyer is primarily responsible for paying the entiredebt. An “other owner” is a person whose name is on the title to the vehicle but does not have to pay the debt. The other owner agrees to the security interest inthe vehicle given to us in this contract. A guarantor is a person who may be responsible for paying the entire debt if we cannot collect the amount owed from you.Other owner signs here X Date AddressGuarantor signs here X Date AddressI hereby guarantee the collection of the above described amount upon failure of the seller named herein to collect said amount from the buyer named herein.Seller Signs X Date Printed Name TitleInitials / / Page 5 of 6BuyerFZ-IL-RIC-SIA03/22Co-BuyerSellerSimple Interest Retail Installment Contract 2022 Frazer Computing, LLC

ARBITRATION AGREEMENTThis Arbitration Agreement (“Agreement”) significantly affects your rights in any dispute with us. Please readthis Agreement carefully before you sign it. This Agreement is governed b

agreement between you and us relating to the sale and financing of the motor vehicle. Any change to this contract must be in writing and we must sign it. . and the Finance Charge (see below) as outlined in the schedule of payments below and as described in this contract. . FZ-IL-RIC-SIA 03/22 Simple Interest Retail Installment Contract .