warranties for this vehicle as is - no warranty … · buyers guide important : spoken promises are...

WARRANTY

BUYERS GUIDEIMPORTANT : Spoken promises are difficult to enforce. Ask the dealer to put all promises in writing. Keep this form.

This form, required by the Federal Trade Commission, was printed by JESSE WHITE - Secretary of State.

Printed by authority of the State of Illinois. February 2006 – 100M – VSD 350.4

❐ SERVICE CONTRACT. A service contract is available at an extra charge on this vehicle. Ask fordetails as to coverage, deductible, price, and exclusions. If you buy a service contract within 90 days ofthe time of sale, state law " implied warranties" may give you additional rights.

PRE-PURCHASE INSPECTION: ASK THE DEALER IF YOU MAY HAVE THIS VEHICLE INSPECTEDBY YOUR MECHANIC EITHER ON OR OFF THE LOT.

SEE THE BACK OF THIS FORM for important additional information, including a list of some majordefects that may occur in used motor vehicles.

Vehicle Name Model Year Vin Number

Dealer Stock Number (Optional)

WARRANTIES FOR THIS VEHICLE

AS IS - NO WARRANTYYOU WILL PAY ALL COSTS FOR ANY REPAIRS. The dealer assumes no responsibility for any repairsregardless of any oral statements about the vehicle.

❐ FULL ❐ LIMITED WARRANTY. The dealer will pay ______ % of the labor and ______ % of theparts for the covered systems that fail during the warranty period. Ask the dealer for acopy of the warranty document for a full explanation of warranty coverage, exclusions,and dealer's repair obligations. Under state law, "implied warranties" may give youeven more rights.

SYSTEMS COVERED: DURATION

GMC

112394

Acadia 2008 1GKEV23708J154648

AND OR SERVICE CONTRACTAND OR SERVICE CONTRACTPLEASE CHECK WARRANTY DOCUMENTPLEASE CHECK WARRANTY DOCUMENT

DocuSign Envelope ID: 8F7F7806-22E7-4A18-9E2F-8584C443CD75

Below is a list of some major defects that may occur in used motor vehicles.

Frame & Body Brake SystemFrame-cracks, corrective welds, or rusted through Failure warning light brokenDogtracks—bent or twisted frame Pedal not firm under pressure (DOT spec.)

Not enough pedal reserve (DOT spec.)Engine Does not stop vehicle straight (DOT spec.)

Oil leakage, excluding normal seepage Hoses damagedCracked block or head Drum or rotor too thin (Mfgr. Specs)Belts missing or inoperable Lining or pad thickness less than 1/32 inchKnocks or misses related to camshaft lifters and push rods Power unit not operating or leakingAbnormal exhaust discharge Structural or mechanical parts damaged

Transmission & Drive Shaft Steering SystemImproper fluid level or leakage, excluding normal seepage Too much free play at steering wheel (DOT spec.)Cracked or damaged case which is visible Free play in linkage more than 1/4 inchAbnormal noise or vibration caused by faulty transmission Steering gear binds or jamsor drive shaft Front wheels aligned improperly (DOT specs.)Improper shifting or functioning in any gear Power unit belts cracked or slippingManual clutch slips or chatters Power unit fluid level improper

Differential Suspension SystemImproper fluid level or leakage excluding normal seepage Ball joint seals damagedCracked or damaged housing which is visible Structural parts bent or damagedAbnormal noise or viabration caused by faulty differential Stabilizer bar disconnected

Spring brokenCooling System Shock absorber mounting loose

Leakage including radiator Rubber bushings damaged or missingImproperly functioning water pump Radius rod damaged or missing

Shock absorber leaking or functioning improperlyElectrical System

Battery leakage TiresImproperly functioning alternator, generator, battery, or starter Tread depth less than 2/32 inch

Sizes mismatchedFuel System Visible damage

Visible leakageWheels

Inoperable Accessories Visible cracks, damage or repairsGauges or warning devices Mounting bolts loose or missingAir conditionerHeater & Defroster Exhaust System

Leakage

Dealer

Address

See For Complaints

IMPORTANT: The information on this form is part of any contract to buy this vehicle. Removal of this labelbefore consumer purchase (except for purpose of test-driving) is a violation of federal law (16 C.F.R. 455).

ALEX HERNANDEZ

\DSDP\SDP

Chicago Car Center Inc.

4647 S Kedzie

Chicago IL, IL 60632

ALFONSO VILLEGAS-LUJANO


BILL OF SALE

VEHICLE DESCRIPTION PURCHASER INFORMATION Year, Make Model: ____________________________ Buyer: ______________________________________ Color: _______________ CoBuyer: ____________________________________ Mileage: ________________ Street: _______________________________________ VIN: _________________________________ City,St,Zip: __________________________________ Stock #: ________________________ Home#: _________________Work: ________________ Account #: _________________________ Salesman: ____________________________________

ALEX HERNANDEZ

\DSDP

990.00

(312) 280-7900

Red

1,000.00

4647 S Kedzie

17,299.18

0.00

95.00

169.27

(312) 714-9289

150514

101.00

06/07/2016

\SDP

Jovan E. Tovar

Chicago, IL 60629

2008 GMC Acadia

3,300.18

$

14,999.00


VDC Coverage


112394112394

1GKEV23708J154648

1,424.91

14,999.00

0.00

495.00

25.00

18,299.18

Date Of Sale

SVC

0.00

3215 W 65TH PL



EVR

N/A


Assured Vehicle Protection (AVP)Used Vehicle $200 Deductible Limited Warranty Certificate

Term: 6 months/6,000 miles No claims will be paid without prior authorization.

In case of a Breakdown, contact the Servicing Agent at 773-463-6220.

RETAIN THIS CERTIFICATE FORM

WARRANTY HOLDER INFORMATION Vehicle Buyer/Warranty Holder First M.I. Last Telephone Number

Address City State Zip Code

COVERED VEHICLE Vehicle Identification Number (VIN) Make Model Model Year

Purchase Date Mileage Vehicle Purchase Price Stock Number Dealer Reference Number

DEALERSHIP Issuing Dealership Issuing Dealership Address Dealership Phone Number

WHAT TO DO IF YOU HAVE A BREAKDOWN • Use all reasonable means to protect the vehicle from further damage. This may require you to stop the vehicle, turn off the engine, and have the vehicle

towed if necessary.• If the breakdown occurs within 100 mile of the issuing dealership, contact the issuing dealership and deliver the vehicle at your expense to the issuing

dealership or to the location designated by the issuing dealership.• Before any repair is made at a repair facility other than the issuing dealership, a repair authorization number must be obtained from the Chicago Car

Center Inc, by calling (773) 463-6220, with an estimate of repairs.WARRANTY HOLDER OBLIGATIONS

• The Warranty Holder is responsible for paying a $200 deductible for each visit to the Repair Facility.• The Warranty Holder is responsible for authorizing any tear-down or diagnosis time needed to determine if the vehicle has a covered Breakdown. If it is

subsequently determined that the Breakdown is covered under the terms of this Limited Warranty, then the Servicing Agent will pay the reasonable andcustomary cost for such tear-down or diagnosis. If the failure is not a covered Breakdown, then the Warranty Holder is responsible for payment of such tear-down or diagnosis, as well as any repairs that are not covered.

CLAIMS ADMINISTRATOR OBLIGATIONSChicago Car Center has been appointed Administrator of this Limited Warranty. • Pay the Repair Facility or reimburse the Warranty Holder the reasonable and customary charges for repairs or replacement, as the Servicing Agent deems

appropriate, of the Covered Part(s) that resulted in a Breakdown if the Warranty Holder has met his/her obligations as described in this Limited Warrantyand if the Breakdown is not excluded under the exclusions section of this Limited Warranty. Replacement parts can be of like kind and quality and may include the use of new, remanufactured, or comparable parts as determined by the Servicing Agent.

Warranty Holder’s Certification: I have read and understand this Limited Warranty in its entirety. I acknowledge my understanding that it is issued by the dealership selling the vehicle for the term indicated above and is included as part of the base purchase price of the vehicle without any additional cost to me. I understand that this Limited Warranty agreement is not transferable or assignable and continues only for the number of months and miles of the term indicated, whichever occurs first as long as I own the vehicle.

Warranty Holder Signature: Date:

Dealership Representative: Date:

See back for definitions, what is covered, exclusions/what is not covered, and other contract provisions. Please call the Dealer, at 773-463-2479, if you should have any questions or encounter any problems.

4647 S Kedzie

ALEX HERNANDEZ\DSDP



2008

112394


1GKEV23708J154648 Acadia


\SDP

(773) 278-1000

(312) 714-9289

3215 W 65TH PL 60629

GMC

06/07/2016

06/07/2016

06/07/2016

150514

ILChicago


DEFINITIONS • “Breakdown” means the failure of any Covered Part to perform the function for which it was designed, due solely to defects in materials or faulty work-manship of a Covered Part and which is not the result of a Breakdown or a noncovered part. Please refer to the wording under exclusions for a listing of conditions under which the failure of a Covered Part is not considered a Breakdown. • “Warranty Holder” means vehicle buyer/warranty holder as shown on the face of this Limited Warranty. • “Covered Part” means any part of the vehicle listed under the section of this Limited Warranty entitled What Is Covered and not excluded from any coverage as per the section of this Limited Warranty entitled Exclusions – What This Limited Warranty Does Not Cover. • “Repair Facility” means the issuing dealership if the failure occurs within 100 miles of the issuing dealership or, if outside the 100 mile range, any qualified automotive repair facility at which the Warranty Holder seeks to acquire service under this Limited Warranty. • “Administrator, means Chicago Car Center Company. • “Issuing Dealer” means the Dealership that sold the Covered Vehicle and issued the Limited Warranty.

WHAT IS COVERED Limited Warranty coverage applies for Breakdowns to the Covered Parts listed below and related labor, provided they are not covered by any other insurance or the manufacturer’s warranty. Taxes and fluids needed for authorized repairs are also included. Only those parts stated under “What Is Covered” are covered by this Limited Warranty. • Engine – All internally lubricated parts; engine block; cylinder head(s); harmonic balancer; intake and exhaust manifolds; mounts; oil pan; factory installed supercharger or turbo-charger; timing belt/chain and tensioner; timing chain cover; valve cover(s); water pump. • Transmission – All internal-ly lubricated parts within the transmission; cooler and cooler lines (metal); mounts; throttle valve cable; torque converter; flywheel/flex plate; transmis-sion and transfer case housing; oil pan; vacuum modulator; external and internal control units. • Drive System – All internally lubricated parts within the drive/transaxle assembly, including axles and axle bearings; constant velocity joints and boots; drive axle housings; differential cover; hub bearings; front hub locking assemblies; drive shaft and drive support; universal joints.

EXCLUSIONS—WHAT THIS LIMITED WARRANTY DOES NOT COVER • This Limited Warranty excludes the repair of Engine Valves, Piston Rings, Cylinder Head, and Engine Block to correct either low compression or oil consumption due to wear. • A Breakdown caused by foreign objects, sludge buildup, rust, corrosion, contamination of or lack of proper fuels, fluids, coolants, or lubricants, including a Breakdown caused by a failure to replace seals or gaskets in a timely manner. • Repair of any parts during a cov-ered repair that are not necessary to the completion of the covered repair or were not damaged by the failure of a Covered Part, including engineering upgrades. • A Breakdown or condition that existed prior to purchase of the vehicle. • A Breakdown due to misuse, alteration, abuse, negligence, or lack of proper maintenance or breakdowns caused by improper servicing or improper repairs. • Any cost covered by a repair’s or supplier’s guarantee, or any cost that would normally be covered by a manufacturer’s warranty. • Cost or other damages caused by the failure of a part not listed as a Covered part. • Costs or other damages caused by continued vehicle operation after the failure of a Covered Part. • Any liability, cost, or damages Warranty Holder may incur to any third parties other than the Servicing Agent’s approved repair or replacement of Covered Parts. • A Breakdown caused by freez-ing or overheating due to any cause, including resultant engine damage from overheating due to water pump failure. • A Breakdown caused by colli-sion, impact, fire, electrical fire or meltdown, theft, vandalism, flood, water, riot, civil commotion, explosion, lightning, falling missiles or objects, or any hazard insurable under standard physical damage insurance policies whether or not such insurance is in force with respect to the vehicle. • Loss of use, loss of time, loss of profits or savings, inconvenience, commercial loss, or other incidental or consequential damages or loss that results from a Breakdown. • Liability for damage to property, or for injury to or death of any person arising out of the operation, maintenance, or use of the vehicle whether or not related to a Breakdown. Any costs or other benefit for which the manufacturer has announced its responsibility through any means, including public recalls or factory service bulletins. Any part not covered by or excluded by the original vehicle manufacturer’s warranty. • A gradual reduc-tion in operating performance due to normal wear and tear, such as engine valves and guides, piston rings, transmission clutch packs, discs, and bands. • Seals and gaskets are not covered unless required in the repair of a Covered Part. • Shop supplies, storage charges, hazardous waste disposal, freight and/or delivery charges. • Vehicles that have been modified which affect the Breakdown. • Commercial use vehicles, or if used for rental, livery, deliv-ery, snowplowing, towing, as an emergency vehicle, taxi, for racing or other competition. • Incidental or consequential damage or loss caused by Breakdown of Covered Parts (or otherwise), including property damage, personal injury, inconvenience, loss of vehicle use, and commercial loss. Punitive damages are also expressly excluded. • Repairs covered by any original manufacturer’s warranty, both basic and powertrain (whether or not transferred with the vehicle). • For a Breakdown that does not occur during or is not reported to the Servicing Agent or Administrator within the term of the Limited Warranty. • The Issuing Dealer and the Administrator reserve the right to cancel this Limited Warranty and will not pay for a Breakdown if the odometer fails or for any reason does not record the actual mileage of the vehicle after the purchase date so that the actual mileage of the vehicle cannot be established. • Minor loss of fluid and seepage is considered normal and is not a covered repair.

IMPORTANT WARRANTY PROVISIONS This warranty gives you specific legal rights, and you may also have other rights, which vary from state to state. LIMITS OF LIABILITY – The total of all benefits paid or payable for each repair visit is limited to the actual cash value of the vehicle, not considering loss of value due to the breakdown of a covered part. The total of all benefits paid or payable during the term of this vehicle Limited Warranty shall not exceed the purchase price paid for the vehicle by the Limited Warranty holder. Liability for any incidental or consequential damages is specifically excluded. Such incidental or consequential damages include, but are not limited to loss of profits or income, loss of the use of the vehicle or damages to property, loss of time, inconvenience and commercial loss. Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation may not apply to you. In addition, the Issuing Dealer shall not be liable or responsible for any incidental, consequential, commercial or exemplary losses or damages resulting from (i) the breach of this Limited Warranty, (ii) any implied warranty, or (iii) failure of any part of the vehicle.

\IDPInitial ______________


Secretary of StatePower of Attorney

Secretary of State

Vehicle Services Department

501 S. Second St.

Springfield, IL 62756

www.cyberdriveillinois.com

This space for use by

Secretary of State

,

whose address is ,

does hereby make, constitute and appoint ,

whose address is ,

as the lawful attorney in fact, to sign all papers and documents required to secure Illinois title and/or registration of, or

transfer interest in, the following described vehicle:

Vehicle Make: Model Year:

Vehicle Model: Body Type:

Vehicle Identification Number (VIN):

Complete the following (if applicable):

Purchaser’s Name:

Address:

Date of Sale:

Granting to the aforesaid attorney in fact full power to do all acts as the principal might or could do if personally present;

and hereby ratifying and confirming all that said attorney in fact shall lawfully do or cause to be done by virtue of the

authority herein given for this purpose.

Such authority shall in no way reflect upon the State of Illinois, Secretary of State, or the Director of the Vehicle Services

Department.

Signed

Date Signed

Printed by authority of the State of Illinois. October 2006 — 100M — RT 5.10

Name of individual appointing power of attorney

Secretary of StatePower of Attorney

Secretary of State

Vehicle Services Department

501 S. Second St.

Springfield, IL 62756

www.cyberdriveillinois.com

This space for use by

Secretary of State

,

whose address is ,

does hereby make, constitute and appoint ,

whose address is ,

as the lawful attorney in fact, to sign all papers and documents required to secure Illinois title and/or registration of, or

transfer interest in, the following described vehicle:

Vehicle Make: Model Year:

Vehicle Model: Body Type:

Vehicle Identification Number (VIN):

Complete the following (if applicable):

Purchaser’s Name:

Address:

Date of Sale:

Granting to the aforesaid attorney in fact full power to do all acts as the principal might or could do if personally present;

and hereby ratifying and confirming all that said attorney in fact shall lawfully do or cause to be done by virtue of the

authority herein given for this purpose.

Such authority shall in no way reflect upon the State of Illinois, Secretary of State, or the Director of the Vehicle Services

Department.

Signed

Date Signed

Printed by authority of the State of Illinois. October 2006 — 100M — RT 5.10

Name of individual appointing power of attorney

06/07/2016

06/07/2016



Chicago, IL 60629

\JSSDP

Acadia

\PSSDP

1GKEV23708J154648

3215 W 65TH PL

SLT Sport Utility 4D

2008


GMC

4647 S Kedzie

JOINT BUYER:

FOR JOINT BUYER ONLY!


Chicago Finance Center Inc.

\JSSDP

Acadia

\PSSDP

1GKEV23708J154648


Chicago, IL 60641

06/07/2016

4647 S KEDZIE CHICAGO IL 60632

Chicago

VILLEGAS-LUJANOALFONSO

5170

2008

60629

CHICAGO CAR CENTER

4024 W Montrose Ave

150514

GMC

3215 W 65TH PL

Passenger

Red


Employment Verification (August 2003)

EMPLOYMENT VERIFICATION

THIS SECTION TO BE COMPLETED BY MANAGEMENT TO: Date:

RE: Applicant Social Security Number___________________________________ I hereby authorize release of my employment information. Signature of Applicant Date The individual named directly above is an applicant of Chicago Car Center Incorporated that requires proof of verification of employment in order to qualify for a loan. The information provided will remain confidential to satisfaction of that stated purpose only. Your prompt response is crucial and greatly appreciated. Respectfully, Management

Return Form To:

THIS SECTION TO BE COMPLETED BY EMPLOYER Employee Name: Job Title: Presently Employed: Yes Date First Employed No Last Day Employed Current Wages/Salary: $ (circle one) hourly weekly bi-weekly semi-monthly monthly yearly other Average # of regular hours per week: Year-to-date earnings: $ through / / Overtime Rate: $ per hour Average # of overtime hours per week: Shift Differential Rate: $ per hour Average # of shift differential hours per week: Commissions, bonuses, tips, other: $ (circle one) hourly weekly bi-weekly semi-monthly monthly yearly other List any anticipated change in the employee's rate of pay within the next 12 months: ________________________________Effective date: If the employee's work is seasonal or sporadic, please indicate the layoff period(s): Additional remarks: Employer's Signature Employer's Printed Name Date _______________________________________ Employer’s Title Employer [Company] Name and Address Phone # Fax # E-mail NOTE: Section 1001 of Title 18 of the U.S. Code makes it a criminal offense to make willful false statements or misrepresentations to any Department or Agency of

the United States as to any matter within its jurisdiction.

Chicago Car Center Inc. 3538 W. Irving Park Chicago, IL 60618 P: (773) 463-3884 F: (773) 463-4362

06/07/2016

06/07/2016

ALEX HERNANDEZ

\DSDP

\SDP

342958907ALFONSO VILLEGAS-LUJANO


Odometer Disclosure Statement

Federal Law (and State Law, if applicable) requires that you state the mileage upon transfer of ownership. Failureto complete or providing a false statement may result in fines and/or imprisonment.

I, CHICAGO CAR CENTER, INC, state that the odometer now reads __________ (no tenths) miles and to the bestof my knowledge that it reflects the actual mileage of the vehicle described below, unless one of the followingstatements is checked.

I hereby certify that to the best of my knowledge the odometer reading reflects the amount of mileage inexcess of its mechanical limits.

I hereby certify that the odometer reading is NOT the actual mileage. WARNING -- ODOMETERDISCREPANCY

Make Model

Vehicle Identification Number

Body Type

Year

TRANSFEROR (Seller)

TRANSFEREE (Buyer)

Transferor's Signature Transferor's Printed Name Date of this Statement

Transferee's Signature Transferee's Printed Name

Transferee's Signature Transferee's Printed Name

1GKEV23708J154648

GMC

06/07/2016

06/07/2016

(773) 278-1000


\DSDP

Acadia

4647 S Kedzie

\CSDP


\SDP



2008

150514


. Rev

FACTS WHAT DOES DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

� Social Security number and � and � and

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to shar e personal information to run their everyday business. In the section below, we list the reasons financial companies can share their

personal information; the reasons chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does

share? Can you limit this sharing?

For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes— to offer our products and services to you

For joint marketing with other fi nancial companies

For our affiliates’ everyday business purposes— information about your transactions and experiences

For our affiliates’ everyday business purposes— information about your creditworthiness

For nonaffiliates to market to you

Questions? Call or go to 773.649.4528

Employment Information

customer's

customer's

Account Balances

No

Transaction history

No

Yes

Payment History

No

Yes

Credit Information

Chicago Finance Center Inc

No

Yes

Chicago Finance Center Inc

Yes

Yes

Chicago Finance

0.00

http://chicagofinancecenter.com/privacy-policy/

Yes

Yes

Center Inc

Yes


http://www.gpo.gov/fdsys/pkg/FR-2009-12-01/html/E9-27882.htm

Who we are

Who is providing this notice?

What we do How does protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured fi les and buildings.

How does collect my personal information?

We collect your personal information, for example, when you

or or

Why can’t I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates’ everyday business purposes—information about your creditworthiness

affiliates from using your information to market to you sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Defi nitions Affi liates Companies related by common ownership or control. They can be

financial and nonfi nancial companies.

Nonaffi liates Companies not related by common ownership or control. They can be financial and nonfi nancial companies.

Joint marketing A formal agreement between nonaffi liated financial companies that together market financial products or services to you.

Other important information

Chicago Car Center Inc Chicago Car Service Center All Star Insurance Agency


Nonaffiliates we share with can include financial service companies such as insurance agencies, automobile repair shops non-financial companies such as retailers and membership groups

Chicago Finance Center

our joint marketing partners may includes financial services, vehicle warranty services as well as vehicle and loan product offers

\JSSDP

Open a loan apply for a loan

\PSSDP

Purchasing your loan

Do Not Call Policy. This notice is the Chicago Finance Center Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. Chicago Finance Center employees receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Chicago Finance Center will be placed on the Chicago Finance Center Do Not Call list and will not be called in any future campaigns, including those of Chicago Finance Center affiliates. If you communicate with us by telephone, we may monitor or record the call. Customer name:______________________________ Co Buyer Name __________________________________ Signature: ______________________________ Co Buyer Signature: ______________________________ Date: _________________

providing indirect lending to a dealermake a payment with us

06/07/2016 06/07/2016

We also collect your personal information from others such as credit bureaus, affiliates, or other companies

visit your state website for more information




Also Known As (AKA) Form

LOAN INFORMATION___________________________________________________________________

Date Prepared: _____________________________

Stock Number: ____________________

Borrower(s): First Name: _________________ Middle: ___________________ Last: _______________________

Borrower(s): First Name: _________________ Middle: ___________________ Last: _______________________

Lender: Chicago Finance Center

NAME AFFIRMATION___________________________________________________________________

I/We, do hereby certify that I am also known by the name(s) listed below and the name(s) and are one and the same person:

_____________________________________________________________________________________ Primary Borrower Name Variation(s)

_____________________________________________________________________________________ Co-Borrower Name Variation(s)

I/We do certify the above facts are true and correct.

______________________________________ _______________________________________

Primary Borrower Signature Co-Borrower Signature

__________________________________ ___________________________________

112394

\CSDP

VILLEGAS-LUJANO


\SDP

06/07/2016

ALFONSO


Automobile and Personal Loans

___________________________________ Customer

___________________ Date

___________________________________ ___________________Customer Date ---------------------------------------------------------------------------------------------------

The Dealer (Seller) represents, to Chicago Finance Center Inc. that neither it nor any of its agents, employees, parent or subsidiary companies have:

1) Quoted the customer name above a lower cash price for the automobile than as set forth in the RetailInstallment Contract dated _______________; or

2) Charge the customer for the difference between the sale price for the automobile as set forth in the RetailInstallment Contract and the discounted amount received from Chicago Finance Center Inc.

The Dealer (seller) represents, to Chicago Finance Center Inc. that all representations made by Dealer (seller) agrees to indemnify and hold harmless Chicago Finance Center Inc. its agents, employees, parent or subsidiary companies, from and against any and all actions, liabilities, damages, losses, costs, and expenses arising out of or in connection with the negotiation and /or sale of said Automobile and execution of said Retail Installment Contract.

CHICAGO FINANCE CENTER INC. 4024 W. MONTROSE AVE. CHICAGO IL. 60641 PHONE # 773-649-4528 FAX # 773-463-4362

DISCLOSURE OF DISCOUNT AND BUYER REPRESENTATION OF CASH PRICE TO CHICAGO FINANCE CENTER INC.

Customer:________________________________________________________________________________________

Dealer (Seller): _____________________________________

Retail Installment Contract Dated: _____________________________________

Auto: _____________________________________________

VIN: _________________________________

I am considering entering into a Retail Installment Contract in connection with the purchase of an Automobile from the Seller named above. I have been given an opportunity to read the Retail Installment Contract, Completely filled in, and to ask any questions I have concerning the contract or this document.

I understand that the price of the automobile is as set forth in the Retail Installment Contract. I represent that I was not quoted a lower cash price for the automobile and that the cash price was not increased because I would be purchasing the automobile on credit. I understand the seller has the option and the right to sell and assign my Retail Installment Contract to Chicago Finance Center Inc. for a discount amount. I understand that this means that Chicago Finance Center Inc. may purchase my Retail Installment Contract from the seller for an, amount which, is less than the amount of credit, provided to me or on my behalf by the seller.

I further understand that the sale and assignment of my Retail Installment Contract at a discount price will no relieve me of any obligations under the Retail Installment Contract nor will it alter any of those obligations except as to the place where payment is to be made.

I acknowledge that I have received and read this document before signing the Retail Installment Contract an that this document was completely filled in before I signed it.

06/07/2016

06/07/2016

06/07/2016

06/07/2016

2008 GMC Acadia



\JSSDP


1GKEV23708J154648

\PSSDP


1

C u s t o m e r N a m e

C u s t o m e r A d d r e s s

D e a l e r N a m e

D e a l e r A d d r e s s

A s s i g n e e N a m e

A s s i g n e e A d d r e s s

V e h i c l e ( y e a r / m a k e /

m o d e l / v i n )

G P S / S T A R T E R I N T E R R U P T D E V I C E CUSTOMER AGREEMENT AND DISCLOSURE STATEMENT

IMPORTANT: YOU SHOULD CAREFULLY REVIEW THIS ENTIRE AGREEMENT AND DISCLOSURE. THIS AGREEMENT AND DISCLOSURE DETAILS YOUR CONSENT TO HAVE A GPS/STARTER INTERRUPT DEVICE INSTALLED ON YOUR VEHICLE AND DESCRIBES THE CONSEQUENCES OF FAILING TO MAKE TIMELY PAYMENTS. THIS AGREEMENT AND DISCLOSURE, WHEN SIGNED BELOW, IS INCORPORATED INTO AND BECOMES PART OF THE MOTOR VEHICLE RETAIL INSTALLMENT CONTRACT ENTERED INTO BY CUSTOMER AND CREDITOR IDENTIFIED ABOVE.

Pursuant to the motor vehicle retail installment contract ("Contract") entered into by you and us for the purchase of the vehicle described above ("the Vehicle"), the Customer ("you" and "your") and the Dealer ("we", "us" and "our") hereby enter into this Agreement and Disclosure regarding the installation and operation of a starter interrupt device with Global Positioning Satellite (GPS) capabilities ("the Device"). By signing below, you acknowledge and agree that we may install and use the Device in the Vehicle you are financing with us.

Description of the Device

In addition to certain other functionality that may be available to you, and subject to any grace or cure periods and any notice required by applicable law, the Device permits us to prevent the Vehicle from restarting if we do not receive a full payment on or before its scheduled due date. The Device includes GPS functionality that also allows us to locate the Vehicle in the event we need to repossess the Vehicle due to your default. The GPS capabilities also permit us to locate the Vehicle if it is ever stolen and you report the theft of the Vehicle to us.

We will extend credit to you only if you agree to the installation of the Device in the Vehicle. Though the installation is a condition to our extension of credit to you, you are free to obtain a vehicle or vehicle financing from another source that does not require installation of the Device.

4 0 2 4 W . M o n t r o s e A v e , C h i c a g o , I L 6 0 6 4 1


2008 GMC Acadia

Chicago, IL 60629

1GKEV23708J154648


3215 W 65TH PL

4647 S Kedzie


Chicago Finance Center inc


2

The Device is our property and does not become an accession to the Vehicle upon installation. We own the Device and will continue to own the Device until your Contract is fully satisfied and we remove the Device from the Vehicle. You will not be charged for the Device or the costs of installing, maintaining, or removing the Device (except, to the extent not prohibited by applicable law, charges associated with repairing or replacing the Device due to your tampering, alteration, or destruction of the Device or any of its component parts). We will only remove the Device after you satisfy all of the obligations under the Contract. To have the Device removed after you satisfy all obligations under the Contract, you must contact us or the entity to whom the retail contract may have been assigned to remove the Device.

As the owner of the Device, only we or our authorized representatives are permitted to repair and perform maintenance on the Device or any of its components. You must make the Vehicle available to us or our authorized representative in the event maintenance or repair work is required.

By signing below, you agree that we may perform periodic checks of the Vehicle's location for the purpose of ensuring that the Device continues to function as intended and that it has not been tampered with, altered or destroyed.

If You Default

If we do not receive a full payment from you on or before the scheduled due date, you will be in default of your obligation under the Contract to make timely payments. We may also declare a default under the Contract if you tamper with, alter, disconnect or remove the Device, to the extent not prohibited by applicable law.

If you default, subject to any grace period, right to cure, or notice requirements you may have under applicable law, we will disable the Vehicle's starter from a remote location and track the Vehicle's location. You will be unable to restart the Vehicle until you have paid us the amount necessary to bring your payments current under the terms of the Contract or otherwise cured the default.

If after we disable the starter you fail to cure the default, we may take any action as permitted under applicable law, including THE RIGHT TO REPOSSESS THE VEHICLE. We may use the Device's GPS technology to locate the Vehicle for this purpose and any other purpose not prohibited by applicable law.

Emergency Access (the following two paragraphs apply only if box is checked)

If you experience an emergency that requires use of the Vehicle and we have disabled the Vehicle's starter, you may request and we may provide you with the ability to temporarily restart your Vehicle. We may grant or deny a request for emergency access at our discretion. If you have been given emergency access and have not cured the default such that the temporary ability to restart the Vehicle expires and the Vehicle will not start, you may request additional emergency access and we may choose to grant such access at our discretion. We will not automatically give additional emergency access after any temporary emergency access we have granted expires.


3

You may request emergency access by calling you may request emergency access between the hours of 9am and 7pm, Monday thru Friday, 9am and 3pm, Saturdays. If access is granted, the Vehicle will remain operational for hours, after which the starter will again be disabled if you have not cured your default. Our granting of emergency access shall not be deemed a waiver of our rights under the Contract.

Rights of Assignees of the Contract

We are permitted to exercise our rights, title and interest in the Contract at any time. If the Contract is assigned, the holder of the Contract will have all of our rights under the Contract, including those incorporated into the Contract by this Agreement and Disclosure.

BY SIGNING BELOW, you agree to the Device's installation and to its use until you satisfy all of the obligations under the Contract. In addition, you acknowledge that you understand how the Device works and agree that the installation and maintenance of the Device in the Vehicle is a material condition for us to finance your purchase of the Vehicle, and as such constitutes consideration for the terms of the Contract.

BY SIGNING BELOW, you voluntarily waive any right you may have to privacy in the location of the Vehicle and authorize us to use the Device's GPS capabilities to locate the Vehicle if you default. You also agree to hold harmless, defend and indemnify the Device manufacturer and service provider, us, our agents, employees, and servants, and each of them, from all claims, demands, causes of action, damages, costs, liabilities or losses, in law or equity, to property or person suffered or sustained by any other person or entity arising out of or resulting from the intended or actual use of the Device in the Vehicle, to the fullest extent permitted by applicable law.

BY SIGNING BELOW, you acknowledge that you have been warned not to sign this document before you read it. You understand that you are entitled to receive a copy of this document. By signing below, you acknowledge reading and receiving a copy of this document and agreeing to its terms.

Buyer Signature_____________________________________ Date______________________

Buyer Signature_____________________________________ Date______________________

Dealer Signature____________________________________ Date_______________________

ALEX HERNANDEZ

\DSDP


\CSDP

\SDP 06/07/2016

06/07/2016

06/07/2016

773-463-2479 - Ext. 66


TRUTH IN LENDING DISCLOSURES

Contract Provisions:

Payment Schedule:

$ $ $ $

Security:

Late Charge:

Prepayment:

CREDIT INSURANCE:

Credit Life:

Credit Disability:

PROPERTY INSURANCE:

ITEMIZATION OF AMOUNT FINANCED

"You" and "your" mean each Buyer above,and guarantor, jointly and individually.

"We" and "us" mean the Seller above,its successors and assigns.

BuyerSeller

No.

Date

You can see the terms of this Contract for any additional information about nonpayment, default, anyrequired repayment before the scheduled date, and prepayment refunds and penalties.

Your payment schedule will be

Number of Payments Amount of Payments When Payments Are Due

The cost of your creditas a yearly rate.

The dollar amount thecredit will cost you.

The amount of creditprovided to you oron your behalf.

The amount you will havepaid when you have madeall scheduled payments.

The total cost of yourpurchase on credit, including

your down payment of

$

You are giving a security interest in the Motor Vehicle purchased.

If all or any portion of a payment is not paid within 10 days of its due date, you will be charged a late charge of 5%

of the payment due on installments in excess of $200.00 or $10.00 on installments of $200.00 or less.

If you pay off this Contract early, you may will not have to pay a Minimum Finance Charge.

If you pay off this Contract early, you will not be entitled to a refund of part of the Additional Finance Charge.

Credit life, credit disability (accident andhealth), and any other insurance coverage quoted below, are notrequired to obtain credit and we will not provide them unless yousign and agree to pay the additional premium. If you want suchinsurance, we will obtain it for you (if you qualify for coverage).We are quoting below ONLY the coverages you have chosen topurchase.

This premium is calculated as follows:

$ Deductible, Collision Cov.

$ Deductible, Comprehensive

Fire-Theft and Combined Additional Cov.

Insured

Single Joint Prem. $ Term

Insured

Single Joint Prem. $ Term

Your signature below means you want (only) the insurancecoverage(s) quoted above. If none are quoted, you have declinedany coverages we offered.

$

$

$

$

Buyer Date Buyer Date

Buyer Date Buyer Date

You must insure the Propertysecuring this Contract. You may purchase or provide theinsurance through any insurance company reasonably acceptableto us. The collision coverage deductible may not exceed

. If you get insurance from or through us

you will pay $ for

of coverage.

$

$

$

*We may retain or receive a portion of this amount.

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

Vehicle Price (incl. sales tax of $ )

Service Contract, Paid to: *

Manufacturer's Rebate

Cash Down Payment

Deferred Down Payment

a. Total Cash/Rebate Down

b. Trade-In Allowance

c. Less: Amount owing

Paid to:

d. Net Trade-In (b. minus c.)

e. Net Cash/Trade-In (a. plus d.)

Paid to Public Officials - Filing Fees

Insurance Premiums*

Amount to Finance line e. (if e. is negative)

Additional Finance Charge(s), Paid to Seller

Documentary Fee Paid To Seller

To:

To:

To:

To:

To:

To:

To:

To:

To:

To:

To:

$

$

$

$

$

(e.; disclose as $0 if negative)

Less:

RETAIL INSTALLMENT

CONTRACT AND SECURITY

AGREEMENT

ANNUALPERCENTAGE

RATE

FINANCECHARGE

Liability insurance coverage for bodily injury andproperty damage caused to others is not included inthis Contract unless checked and indicated.

AMOUNT FINANCED TOTAL OF PAYMENTS TOTAL SALE PRICE

%

l ll

llll

l l

l l

-*

Retail Installment Contract-IllinoisBankers SystemsWolters Kluwer Financial Services 1995, 2007 Page 1 of 4Initials:

RSSIMVLFAZIL 10/16/2007

$

Cash Price

Down Payment

Unpaid Balance of Cash Price

Total Other Charges/Amounts Pd. to Others

Prepaid Finance Charges

Amount Financed

0.00

104

95.00TITLE FEES

101.00

N/A

0.00

20.00

\CIDP

25.00EVRN/A

500.00

30.17

06/07/2016

112394

1,424.91

25,302.17

500.00


GAP INSURANCE

0.00

1,000.00

1 Odd Final Pmt of


26,302.171,000.00

8,002.99

\IDP

1,000.00

N/A

AVP

X

1,380.27

MISC

3215 W 65TH PL

0.00

0.000.000.000.000.00

0.00

0.00

0.00

0.00

0.00

06/23/2020243.00

Bi-Weekly

0.00

17,299.18

17,299.18

LICENSE/REGISTRATION FEE

Bi-Weekly

VSI

16,423.91

Beginning


0.00

169.27

15,918.91

1,000.00

495.00

Due on or Before

Chicago, IL 60629

N/A

16,918.91

NANA

NANA

NA

NA NANA NA

NANA

NANANANANA

NA

NA

06/28/2016

4647 S Kedzie

990.00


-*

SALE:

SECURITY:

PROMISE TO PAY AND PAYMENT TERMS:

DOCUMENTARY FEE:

ADDITIONAL FINANCE CHARGE:

MINIMUM FINANCE CHARGE:

SINGLE-INTEREST INSURANCE:

DOWN PAYMENT:

SERVICE CONTRACT:

PREPAYMENT:

GENERAL TERMS:

OWNERSHIP AND DUTIES TOWARD PROPERTY:

DEFAULT:

You agree to purchase from us, on a time basis, subject tothe terms and conditions of this contract and security agreement(Contract), the Motor Vehicle (Vehicle) and services describedbelow. The Vehicle is sold in its present condition, together withthe usual accessories and attachments.

Description of Trade-In

Description of Vehicle Purchased

To secure your payment and performance under theterms of this Contract, you give us a security interest in theVehicle, all accessions, attachments, accessories, and equipmentplaced in or on the Vehicle, together called Property, and proceedsof the Property. Our interest will not extend to consumer goodsunless you acquire rights to them within 10 days after we enterinto this Contract, or they are installed in or affixed to the Vehicle.We may insert the identifying number or marks of the Propertyand the due date of the first installment if the Property isdelivered after you sign this Contract. You also assign to us andgive us a security interest in proceeds and premium refunds ofany insurance and service contracts purchased with this Contract.

You promise to

pay us the principal amount of $ , plus

finance charges accruing on the unpaid balance at the rate of

% per year from today's date until maturity.

Finance charges accrue on a day basis. After

maturity, or after you default and we demand payment, we will

earn finance charges on the unpaid balance at % peryear. You agree to pay this Contract according to the paymentschedule and late charge provisions shown in the TRUTH INLENDING DISCLOSURES. You also agree to pay any additionalamounts according to the terms and conditions of this Contract.

You agree to pay a documentary fee

of $ . DOCUMENTARY FEE. A DOCUMENTARY

Year

Make

Model

Other:

VIN

Lic. No./Year

New Used

You agree to make deferred payments as part of the cashdown payment as reflected in your Payment Schedule.

You agree to pay an

additional, nonrefundable finance charge of $

that will be paid in cash. added to the Cash Price. paid

proportionally with each payment.

You agree to pay a

minimum finance charge of $ if you pay this

will pay $ for of

coverage.

You will defend our interests in the Property against claimsmade by anyone else. You will do whatever is necessary tokeep our claim to the Property ahead of the claim of anyoneelse.The security interest you are giving us in the Propertycomes ahead of the claim of any other of your general orsecured creditors. You agree to sign any additionaldocuments or provide us with any additional information wemay require to keep our claim to the Property ahead of theclaim of anyone else. You will not do anything to change ourinterest in the Property.You will keep the Property in your possession in goodcondition and repair. You will use the Property for itsintended and lawful purposes. Unless otherwise agreed inwriting, the Property will be located at your address listedon page 1 of this Contract.You will not attempt to sell the Property (unless it isproperly identified inventory) or otherwise transfer anyrights in the Property to anyone else, without our priorwritten consent.You will pay all taxes and assessments on the Property asthey become due.You will notify us of any loss or damage to the Property.You will provide us reasonable access to the Property forthe purpose of inspection. Our entry and inspection must beaccomplished lawfully, and without breaching the peace.You will allow us to retain a copy of the keys to theProperty.

You fail to perform any obligation that you have undertakenin this Contract.

You must purchase

single-interest insurance as part of this sale transaction. You may

purchase the coverage from a company of your choice, reasonably

acceptable to us. If you buy the coverage from or through us, you

You also agree to pay, or apply to the CashPrice, on or before today's date, any cash, rebate and net trade-invalue described in the ITEMIZATION OF AMOUNT FINANCED.

REQUIRED BY LAW, BUT MAY BE CHARGED TO BUYERS FORHANDLING DOCUMENTS AND PERFORMING SERVICESRELATED TO CLOSING OF A SALE. THE BASE DOCUMENTARYFEE BEGINNING JANUARY 1, 2008, WAS $150. THE MAXIMUMAMOUNT THAT MAY BE CHARGED FOR A DOCUMENTARY FEEIS THE BASE DOCUMENTARY FEE OF $150 WHICH SHALL BESUBJECT TO AN ANNUAL RATE ADJUSTMENT EQUAL TO THEPERCENTAGE OF CHANGE IN THE BUREAU OF LABORSTATISTICS CONSUMER PRICE INDEX. THIS NOTICE ISREQUIRED BY LAW.With your purchase of the Vehicle,

you agree to purchase a Service Contract to cover

This Service Contract will be in effect for

.

.

Contract in full before we have earned that much in financecharges.

FEE IS NOT AN OFFICIAL FEE. A DOCUMENTARY FEE IS NOT

You may prepay this Contract in full or in part atany time. Any partial prepayment will not entitle you to default inthe future.

A refund of any prepaid, unearned insurance premiums may beobtained from us or from the insurance company named in yourpolicy or certificate of insurance.

You have been given the opportunity topurchase the Vehicle and described services for the Cash Price orthe Total Sale Price. The Total Sale Price is the total price of theVehicle and any services if you buy them over time. You agreedto purchase the items over time. The Total Sale Price shown inthe TRUTH IN LENDING DISCLOSURES assumes that allpayments will be made as scheduled. The actual amount you willpay may be more or less depending on your payment record.

We do not intend to charge or collect, and you do not agree topay, any finance charge or fee, that is more than the maximumamount permitted for this sale by state or federal law. If you paya finance charge or fee that is contrary to this provision, we will,instead, apply it first to reduce the principal balance, and whenthe principal has been paid in full, refund it to you.

You understand and agree that we (or our affiliate) will earncommissions or fees on any insurance products, and may earnsuch fees on other services that you buy through us or ouraffiliate.

If any section or provision of this Contract is not enforceable,the other terms will remain part of this Contract.

By givingus a security interest in the Property, you represent and agree tothe following:

A.

B.

C.

D.

E.

F.

You will be in default on this Contract if any one ofthe following occurs (except as prohibited by law):

A.l

l l

l

l

l l l

l

l

l



20.00

\CIDP

112394

N/A

2008

365

GMC

20.00

SEE SERVICE CONTRACT

\IDP

X

X

X

1GKEV23708J154648

17,299.18

✘

169.27

Acadia

NA

NA

NA

NA

NA


-*



You must pay this Contract even if someone else has alsosigned it.We may release any co-buyer or guarantor and you will stillbe obligated to pay this Contract.We may release any security and you will still be obligatedto pay this Contract.If we give up any of our rights, it will not affect your duty topay this Contract.If we extend new credit or renew this Contract, it will notaffect your duty to pay this Contract.

insurance. The premiums may be added to your total outstandingbalance or obligation. The premiums may be more than thepremiums for insurance you may be able to obtain on your own.

Each person who signs thisContract agrees to pay this Contract according to its terms. Thismeans the following:

A.

B.

C.

D.

E.

arranty information is provided to youseparately.

B.

If you default, you agree to pay our costs for collectingamounts owing, including, without limitation, court costs andreasonable attorneys' fees as permitted by a court of law, that weincur to collect or enforce this Contract, and fees forrepossession, repair, storage and sale of the Property securing thisContract.

If an event of default occurs as to any one of you, we mayexercise our remedies against any or all of you.

If you are in default on this Contract, subject to anyright to cure that you may exercise, we have all of the remediesprovided by law and this Contract:

A.

B.

C.

D.

E.

By choosing any one or more of these remedies, we do notwaive our right to later use another remedy. By deciding not touse any remedy, we do not give up our right to consider the eventa default if it happens again.

You agree that if any notice is required to be given to you of anintended sale or transfer of the Property, notice is reasonable ifmailed to your last known address, as reflected in our records, atleast 10 days before the date of the intended sale or transfer (orsuch other period of time as is required by law).

You agree that, subject to your right to recover such property,we may take possession of personal property left in or on theProperty securing this Contract and taken into possession asprovided above.

You agree to buy property insurance on theProperty protecting against loss and physical damage and subjectto a maximum deductible amount indicated in the PROPERTYINSURANCE section, or as we will otherwise require. You willname us as loss payee on any such policy. In the event of loss ordamage to the Property, we may require additional security orassurances of payment before we allow insurance proceeds to beused to repair or replace the Property. You agree that if theinsurance proceeds do not cover the amounts you still owe us,you will pay the difference. You may purchase or provide theinsurance through any insurance company reasonably acceptableto us. You will keep the insurance in full force and effect until thisContract is paid in full.

Unlessyou provide us with evidence of the insurance coverage requiredby your agreement with us, we may purchase insurance at yourexpense to protect our interests in your collateral. This insurancemay, but need not, protect your interests. The coverage that wepurchase may not pay any claim that you make or any claim thatis made against you in connection with the collateral. You maylater cancel any insurance purchased by us, but only afterproviding us with evidence that you have obtained insurance asrequired by our agreement. If we purchase insurance for thecollateral, you will be responsible for the premiums for thatinsurance, including interest and any other charges we mayimpose in connection with the placement of the insurance, untilthe effective date of the cancellation or expiration of the

We, in good faith, believe that you cannot, or will not, payor perform the obligations you have agreed to in thisContract.

We may require you to immediately pay us, subject to anyrefund required by law, the remaining unpaid balance of theamount financed, finance charges and all other agreedcharges.We may pay taxes, assessments, or other liens or makerepairs to the Property if you have not done so. We are notrequired to do so. Any amount we pay will be added to theamount you owe us and will be due immediately. Thisamount will earn finance charges from the date paid at thepost-maturity rate described in the PROMISE TO PAY ANDPAYMENT TERMS section until paid in full.We may require you to make the Property available to us ata place we designate that is reasonably convenient to youand us.We may immediately take possession of the Property bylegal process or self-help, but in doing so we may notbreach the peace or unlawfully enter onto your premises.We may then sell the Property and apply what we receiveas provided by law to our reasonable expenses and thentoward your obligations.Except when prohibited by law, we may sue you foradditional amounts if the proceeds of a sale do not pay all ofthe amounts you owe us.

At your or our election, anyclaim or dispute in contract, tort, statute or otherwise betweenyou and us or our employees, agents, successors or assigns thatarises out of or relates to your credit application, this Contract orany resulting transaction or relationship, including those with thirdparties who do not sign this Contract, is to be decided by neutral,binding arbitration. The interpretation and scope of this arbitrationagreement, including the arbitrability of a claim or dispute, it isalso to be decided by neutral, binding arbitration.If you or we choose to arbitrate our claim or dispute, you and weagree that no trial by jury or other judicial proceeding take place.In addition, you agree not to participate as a class representativeor class member on any class claim that you may have againstus, including class arbitration. You and we also agree that anyclaim or dispute is to be heard and decided by one arbitrator only,only on an individual basis, and not as a class action.For the arbitration, you or we may choose one of the followingarbitration organizations with its applicable rules: the AmericanArbitration Association, 335 Madison Ave., Floor 10, New York,NY 10017-4605 (www.adr.org), the National Arbitration Forum,Box 50191, Minneapolis, MN 55405-0191(www.arb-forum.com), or JAMS, 235 Peachtree St., NE, 600North Tower, Atlanta, GA 30303 (www.jamsadr.com). You canget a copy of the rules of these arbitration organizations bycontacting the respective organization directly or by visiting theirrespective website.The arbitration hearing will be carried out in the federal districtwhere you reside, unless you and we agree otherwise. Ifarbitration begins, we would advance your filing, administration,service or case management fee, and your arbitrator or hearingfee all up to a total maximum of $1,500. Unless the arbitratorawards them to a party, each party is responsible for the fees ofits attorney(s), experts, witnesses, and any other fees and costsof arbitration, including any amount we have advanced.The arbitrator will be a lawyer or a former judge. In making anaward, the arbitrator shall follow governing substantive law. Thearbitrator has the authority to order specific performance,monetary damages, and punitive damages or to provide any relief

OBLIGATIONS INDEPENDENT:

WARRANTY:

WAIVER:

REMEDIES:

INSURANCE:

COLLATERAL PROTECTION INSURANCE NOTICE:

LEASE EAD AREFULLY! OTICE OF RBITRATION

ARBITRATION AGREEMENT:

W

To the extent permitted by law, you agree to give upyour rights to require us to do certain things. We are not requiredto: (1) demand payment of amounts due; (2) give notice thatamounts due have not been paid, or have not been paid in theappropriate amount, time or manner; or, (3) give notice that weintend to make, or are making, this Contract immediately due,subject to the limitations described in the REMEDIES section.

If you agree to Arbitration you are giving up your right to go tocourt for claims and disputes arising from this Contract.

You or we may choose to have any dispute between usdecided by arbitration, and not by a court or by jury trial.If a dispute is arbitrated, you give up your right to join in as aclass representative or class member on any class claim youmay have against us, including any right to class arbitration.In arbitration, discovery and rights to appeal are generally morelimited than in a judicial proceeding, and other rights that youand we would have in court may not be available.

P R C N A

}

}

}

\CIDP

112394

\IDP


-*



NOTICE TO THE BUYER

(1) Do not sign this agreement before you read it or ifit contains any blank spaces. (2) You are entitled to anexact copy of the agreement you sign. (3) Under thelaw you have the right, among others, to pay inadvance the full amount due and to obtain under cer-tain conditions a partial refund of the finance charge.

The Annual Percentage Rate may be negotiable withthe Seller. The Seller may assign this Contract andretain its right to receive a part of the FinanceCharge.

BY SIGNING BELOW BUYER AGREES TO THETERMS ON PAGES 1, 2, 3 AND 4 OF THISCONTRACT AND ACKNOWLEDGES RECEIPT OF ACOPY OF THIS CONTRACT.

RETAIL INSTALLMENT CONTRACT

IF YOU ARE BUYING A USED VEHICLE, THEINFORMATION YOU SEE ON THE WINDOW FORMFOR THIS VEHICLE IS PART OF THIS CONTRACT.INFORMATION ON THE WINDOW FORM OVERRIDESANY CONTRARY PROVISIONS IN THE CONTRACTOF SALE.

NOTICE: ANY HOLDER OF THIS CONSUMER CREDITCONTRACT IS SUBJECT TO ALL CLAIMS ANDDEFENSES WHICH THE DEBTOR COULD ASSERTAGAINST THE SELLER OF GOODS OR SERVICESOBTAINED PURSUANT HERETO OR WITH THEPROCEEDS HEREOF. RECOVERY HEREUNDER BYTHE DEBTOR SHALL NOT EXCEED AMOUNTS PAIDBY THE DEBTOR HEREUNDER.

You acknowledge receipt of a completed copy ofthis Contract.

NOTICE OF POSSIBLE REFUND OF CREDIT LIFE ORDISABILITY INSURANCE PREMIUM.(1) IF YOU HAVE PURCHASED EITHER CREDIT LIFEOR CREDIT DISABILITY INSURANCE, OR BOTH, TOGUARANTEE PAYMENTS BEING MADE IN CASE OFYOUR DEATH OR DISABILITY, ON YOUR VEHICLEPURCHASED UNDER AN INSTALLMENT SALESCONTRACT, YOU MAY BE ENTITLED TO A PARTIALREFUND OF YOUR PREMIUM IF YOU PAY OFF YOURINSTALLMENT LOAN EARLY.(2) IN CASE OF EARLY COMPLETE PAYMENT OFYOUR LOAN, YOU SHOULD CONTACT THE SELLEROF YOUR CREDIT LIFE OR CREDIT DISABILITYINSURANCE TO SEE IF A REFUND IS DUE. IF YOURVEHICLE DEALER FINANCED YOUR LOAN, THESELLER OF YOUR CREDIT LIFE OR CREDITDISABILITY INSURANCE IS YOUR VEHICLE DEALER.CO-BUYER:

ASSIGNMENT:

THIRD PARTY AGREEMENT

A Co-Buyer is a person who agrees to be primarilyresponsible for paying the entire debt and who (1) actuallyreceives the Vehicle or (2) is a parent or spouse of the Buyer, or(3) will be listed as an owner on the Vehicle's title. By signingbelow, (1) you confirm that you will actually receive possessionof the Vehicle or will use it, or that you are a parent or spouse ofthe Buyer, or that you will be listed as an owner on the Vehicle'stitle; (2) you agree to be primarily obligated under this Contract;and (3) you consent to the Seller having a security interest in theVehicle.

Seller: By

Signature Date

Signature Date

Signature Date

Signature Date

Buyer:

This Contract and Security Agreement is

assigned to ,

the Assignee, phone . This assignment is

made under the terms of a separate agreement made between the

Seller and Assignee.

By signing below you agree to give us a security interest inthe Property described in the SALE section. You also agree tothe terms of this Contract, including the WAIVER sectionabove, except that you will not be liable for the payments itrequires. Your interest in the Property may be used to satisfythe Buyer's obligation. You agree that we may renew, extend,change this Contract, or release any party or property withoutreleasing you from this Contract. We may take these stepswithout notice or demand upon you.

Signature Date

allowed by applicable law. Other than the grounds for reviewunder the Federal Arbitration Act, the arbitration award is finaland binding on all parties. Any court having jurisdiction mayenforce the arbitrator's award.You and we retain rights to self-help remedies and to seekremedies in small claims court for claims or disputes within thatcourt's jurisdiction, unless those claims or disputes aretransferred, removed, or appealed to a different court. You andwe retain rights to take measures that do not involve a court orarbitration. These measures include, but are not limited to, settingoff against a deposit account, repossessing property, andforeclosing on property. You or we may obtain a temporary courtorder necessary to prevent harm until the arbitration is completed.By exercising any retained rights or by taking measures that donot involve a court or arbitration, neither you nor we waive theright to arbitrate any claim or dispute.The Federal Arbitration Act (9 U.S.C. § 1 et. seq.) governs thisarbitration agreement and not any state law concerningarbitration, including state law arbitration rules and procedures.This arbitration agreement survives any termination, payoff ortransfer of this Contract. Except for the waivers of class actionrights, if any part of this arbitration agreement is found to beunenforceable, the remainder is enforceable.

By signing this Contract you and we understand and agree to bebound by its terms, and expressly waive our rights to trial by juryand judicial process, and review, except as allowed by law.

Caution: It is important that you read this arbitration agreementthoroughly before you sign this Contract. By signing it, you areaccepting that you have read and understand this arbitrationagreement, and have received a copy of it. If you do notunderstand something in this arbitration agreement, do not signthis Contract; instead ask your lawyer.

ALEX HERNANDEZ\DSDP

\CIDP

06/07/2016

06/07/2016

112394

\CSDP

Chicago Finance Center Inc.

\SDP

\IDP

THIS INSTRUMENT, THE RIGHTS AND OBLIGATIONS EVIDENCED HEREBY AND ALL ACCOUNTS ARISING THEREFROM ARE SUBJECT TO THE FIRST PRIORITY LIEN OF THE PRIVATEBANK AND TRUST COMPANY, AS ADMINISTRATIVE AGENT AND LENDER (“BANK”) AND SECURES THE OBLIGATIONS OWED BY CHICAGO FINANCE CENTER TO THE BANK AND OTHER LENDERS.


(773) 649-4528


RIC101609

City State Date of Execution

To Seller (Assignee)

WAGE ASSIGNMENT

of any said installments, then all unpaid installments shall, at the Assignee’s option, become immediately due and payable without notice or demand.

As security for the above-described debt each of the undersigned hereby assigns, transfers and sets over to the above-named assignee, wages, salary, commissions, bonuses subsequently earned or to become due from his present employer for a period of three (3) years from the date hereof and from any future employer within a period of two (2) years from the date of execution hereof. Any undersigned Debtor may revoke his assignment of wages at will by written notification to the holder. This assignment shall remain effective as to all of the undersigned Debtor(s) not electing to revoke their assignment.

The amount that may be collected by assignee hereon shall not exceed the lesser of (1) 15% of the gross amount paid assignor for that week, or (2) the amount by which disposable earnings for a week exceed 45 times the Federal Minimum Hourly Wage prescribed by Section 206 (a) (1) of Title 29, U.S.C, or the minimum hourly wage prescribed by Section 4 of the Minimum Wage Law, whichever is greater, in effect at the time the amounts are payable; and shall be collected until the total amount due under this assignment is paid or until expiration of employees payroll period ending immediately prior to 84 days after service of the demand hereon, whichever first occurs. This Wage Assignment shall be valid for a period of three years from date hereof.

The term “disposable earnings” means that part of the earnings remaining after deduction of any amounts required by law to be withheld.

The assignor(s) hereby authorize, empower and direct his/their said employers(s) to pay to assignee any and all moneys due or to become due assignee(s) hereon, authorize assignee to receipt for the same and release and discharge employer from all liability to assignor(s) on account of moneys paid in accordance herewith. No copy hereof shall be served on employer(s) except in conformity with applicable law.

Each assignor acknowledges receipt of an exact copy of this wage assignment.

WAGE ASSIGNMENT

Amount of money loaned (Amount Financed) $ ; Rate of Interest (Annual Percentage Rate):

Equal payments in the amount of $ are due beginning . Upon default in the payment

Present Employer Social Security Number Assignor / Wage-earner



20.00

ALEX HERNANDEZ

\DSDP


\JSSDP


\PSSDP

Chicago IL

06/28/2016

06/07/2016


243.00

IL

17,299.18

FOR VALUE RECEIVED, Undersigned does

hereby sell, assign, transfer, and set over to

_________________________________________________________

Its successors or assigns, all right, title, and interest in and to the within Wage

Assignment and warrants that said Wage Assignment

was completely filled in, signed by the wage earner and an exact copy

thereof delivered to each signer thereof

_______________________________________________________________

SELLER

By:____________________________________________________________

_______________________________________________________________

TITLE


RIDER

This Rider is attached to and made a part of the Retail Installment Contract, hereinafter referred to as “Contract,” Dated ___________________, by and between _________________________________, (seller) and____________________________________________________________ (purchaser) on automobile _________________________________(VIN).

Buyer(s) simultaneously with the execution of contract, furnished to Seller a credit application (the “Application”). In the Application, Buyer(s) represent and warrant that the Application contains Buyers’ entire credit history and the information

contained therein is true and accurate.

Buyer(s) agree, as an inducement to Seller to make immediate delivery of the automobile described in the Contract prior to Seller being able to verify the truth and accuracy of the information contained on the Application, including without

limitation, the representation as to amount due for payoff on any trade-in, and in consideration of Seller making immediate delivery of the automobile, that if any information furnished by Buyer(s) is found to be false or inaccurate, Seller may, at its option , cancel the Contract. Furthermore, if the Buyer represents to Seller a payoff figure which is incorrect, and Seller later confirms the correct figure, Buyer(s) agrees to pay said shortfall, if any, to Seller, within 48

hours of notification by Seller. If the correct figure required a refund to the Buyer, same shall be made to Buyer by Seller within 48 hours of the confirmation of the same.

Buyer(s) further agrees that, even though Buyers’ credit information, is found to be true and accurate, if Seller(s), for any reason, is unable to sell, transfer, or otherwise negotiate the Contract to a financing source or organization engaged in the

business of financing such contracts, then Seller(s) may, at his option, cancel the Contract.

Buyer(s), hereby represent that title to trade is free and clear of any and all liens or encumbrances, except as noted. Buyer(s) also represents that the title to trade is not branded in any fashion, such as “salvage,” “rebuilt,” “flood damaged,” “repossession,” or like. Furthermore, Buyer(s) agree to return to Seller to sign state title transfer documents for said trade-

in within 3 days of notification from dealer. Buyer may, at their option sign a limited power of attorney allowing the dealer to act as his agent regarding transfer of said title for the trade in order to avoid having to return to the dealership to

transfer the title on said trade-in.

In the event that the Contract is cancelled under the terms of the Rider, Buyer(s) shall forthwith return the automobile to the Seller, and the Seller shall return to the Buyer(s) all of Buyer’s deposits. If Buyer(s) fails to return the said vehicle

within 24 hours of notification of the cancellation then Seller may exercise any of its rights under the Contract for purchase, including, but not limited to, repossession of said vehicle, filing suit for breach of contract or conversion, and

may seek to recover all costs of collection and reasonable attorney fees pursuant to the contract. Seller may also exercise any of its rights under the law to retrieve said collateral and recover any out of pocket expenses.

I/WE APPROVE AND ACCEPT THE ABOVE TERMS AND ACKNOWLEDGE RECEIPT OF THIS RIDER.

DATE ______________________________________

______________________________________

BUYER DATE

______________________________

_______________________________

BUYER MANAGER

DATE

ALEX HERNANDEZ



\DSDP

\CSDP

\SDP

1GKEV23708J154648

Chicago Car Center Inc.06/07/2016

06/07/2016

06/07/2016 06/07/2016


INSTRUCTIONS TO PRINTERSFORM W-9, PAGE 1 of 4MARGINS: TOP 13mm (1⁄ 2 "), CENTER SIDES. PRINTS: HEAD to HEADPAPER: WHITE WRITING, SUB. 20. INK: BLACKFLAT SIZE: 216mm (81⁄ 2 ") 3 279mm (11")PERFORATE: (NONE)

Give form to therequester. Do notsend to the IRS.

Form W-9 Request for TaxpayerIdentification Number and Certification

(Rev. October 2007) Department of the TreasuryInternal Revenue Service Name (as shown on your income tax return)

List account number(s) here (optional)

Address (number, street, and apt. or suite no.)

City, state, and ZIP code

Pri

nt o

r ty

pe

See

Sp

ecifi

c In

stru

ctio

ns o

n p

age

2.

Taxpayer Identification Number (TIN)

Enter your TIN in the appropriate box. The TIN provided must match the name given on Line 1 to avoidbackup withholding. For individuals, this is your social security number (SSN). However, for a residentalien, sole proprietor, or disregarded entity, see the Part I instructions on page 3. For other entities, it isyour employer identification number (EIN). If you do not have a number, see How to get a TIN on page 3.

Social security number

or

Requester’s name and address (optional)

Employer identification number Note. If the account is in more than one name, see the chart on page 4 for guidelines on whosenumber to enter. Certification

1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the InternalRevenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS hasnotified me that I am no longer subject to backup withholding, and

2.

Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backupwithholding because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply.For mortgage interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirementarrangement (IRA), and generally, payments other than interest and dividends, you are not required to sign the Certification, but you mustprovide your correct TIN. See the instructions on page 4. SignHere

Signature ofU.S. person ©

Date ©

General Instructions

Form W-9 (Rev. 10-2007)

Part I

Part II

Business name, if different from above

Cat. No. 10231X

Check appropriate box:

Under penalties of perjury, I certify that:

13 I.R.S. SPECIFICATIONS TO BE REMOVED BEFORE PRINTING

DO NOT PRINT — DO NOT PRINT — DO NOT PRINT — DO NOT PRINT

TLS, have youtransmitted all R text files for this cycle update?

Date

Action

Revised proofsrequested

Date

Signature

O.K. to print

Use Form W-9 only if you are a U.S. person (including aresident alien), to provide your correct TIN to the personrequesting it (the requester) and, when applicable, to: 1. Certify that the TIN you are giving is correct (or you arewaiting for a number to be issued), 2. Certify that you are not subject to backup withholding, or

3. Claim exemption from backup withholding if you are a U.S.exempt payee. If applicable, you are also certifying that as aU.S. person, your allocable share of any partnership income froma U.S. trade or business is not subject to the withholding tax onforeign partners’ share of effectively connected income.

3. I am a U.S. citizen or other U.S. person (defined below).

A person who is required to file an information return with theIRS must obtain your correct taxpayer identification number (TIN)to report, for example, income paid to you, real estatetransactions, mortgage interest you paid, acquisition orabandonment of secured property, cancellation of debt, orcontributions you made to an IRA.

Individual/Sole proprietor

Corporation

Partnership

Other (see instructions) ©

Note. If a requester gives you a form other than Form W-9 torequest your TIN, you must use the requester’s form if it issubstantially similar to this Form W-9.

● An individual who is a U.S. citizen or U.S. resident alien, ● A partnership, corporation, company, or association created or

organized in the United States or under the laws of the UnitedStates, ● An estate (other than a foreign estate), or

Definition of a U.S. person. For federal tax purposes, you areconsidered a U.S. person if you are:

Special rules for partnerships. Partnerships that conduct atrade or business in the United States are generally required topay a withholding tax on any foreign partners’ share of incomefrom such business. Further, in certain cases where a Form W-9has not been received, a partnership is required to presume thata partner is a foreign person, and pay the withholding tax.Therefore, if you are a U.S. person that is a partner in apartnership conducting a trade or business in the United States,provide Form W-9 to the partnership to establish your U.S.status and avoid withholding on your share of partnershipincome. The person who gives Form W-9 to the partnership forpurposes of establishing its U.S. status and avoiding withholdingon its allocable share of net income from the partnershipconducting a trade or business in the United States is in thefollowing cases: ● The U.S. owner of a disregarded entity and not the entity,

Section references are to the Internal Revenue Code unlessotherwise noted.

● A domestic trust (as defined in Regulations section301.7701-7).

Limited liability company. Enter the tax classification (D=disregarded entity, C=corporation, P=partnership) ©

Exempt payee

Purpose of Form

112394

Chicago, IL 60629

\PSSDP 06/07/2016

3 4 2 9 5 8 9 0 7



3215 W 65TH PL



Declaración de Transacciones en idioma el Idioma Español

Fecha: ________________

Nombre del Comprador: ________________________________

Nombre del Co-Comprador_______________________________

Número de Cuenta: ______________________

Las transacciones y negociaciones de compra y venta fueron conducidas en el idioma español, el cual es mi idioma

nativo. Voluntariamente elijo al Representante de Ventas como mi intérprete durante la negociación. Las obligaciones

del contrato de compra-venta o cualquier otro acuerdo por escrito me fueron explicadas en mi idioma nativo. Entiendo

el contrato de compra-venta y cualquier otro acuerdo por escrito.

Firma del Comprador __________________________ Firma del Co-Comprador: ___________________________

Representante de Chicago Car Center (Interprete) Nombre y Firma

________________________________________________ X_________________________________________________ \DSDPALEX HERNANDEZ

\CSDP\SDP

06/07/2016


112394


Certificate Of CompletionEnvelope Id: 8F7F780622E74A189E2F8584C443CD75 Status: Completed

Subject: Signature Request: 112394:154648

Source Envelope:

Document Pages: 24 Signatures: 26 Envelope Originator:

Certificate Pages: 1 Initials: 5 Kedzie Rep

AutoNav: Enabled

EnvelopeId Stamping: Enabled

Time Zone: (UTC-06:00) Central Time (US & Canada)

4024 W Montrose Ave

Chicago, IL 60641

[email protected]

IP Address: 52.6.72.117

Record TrackingStatus: Original

6/7/2016 6:26:31 PM

Holder: Kedzie Rep

[email protected]

Location: DocuSign

Signer Events Signature Timestamp

In Person Signer Events Signature TimestampIn Person Signing Host: Kedzie Rep [email protected]

In Person Signer: ALFONSO VILLEGAS-LUJANO

Security Level: In PersonUsing IP Address: 98.206.146.71

Signed using mobile

Sent: 6/7/2016 6:26:33 PM

Viewed: 6/7/2016 6:38:33 PM

Signed: 6/7/2016 6:41:25 PM

Electronic Record and Signature Disclosure: Not Offered via DocuSign ID:

In Person Signing Host: Kedzie Rep [email protected]

In Person Signer: Dealer Representative

Security Level: In PersonUsing IP Address: 98.206.146.71

Signed using mobile

Sent: 6/7/2016 6:41:27 PM

Viewed: 6/7/2016 6:41:56 PM

Signed: 6/7/2016 6:42:59 PM

Electronic Record and Signature Disclosure: Not Offered via DocuSign ID:

Editor Delivery Events Status Timestamp

Agent Delivery Events Status Timestamp

Intermediary Delivery Events Status Timestamp

Certified Delivery Events Status Timestamp

Carbon Copy Events Status Timestamp

Notary Events Timestamp

Envelope Summary Events Status TimestampsEnvelope Sent Hashed/Encrypted 6/7/2016 6:41:27 PM

Certified Delivered Security Checked 6/7/2016 6:41:56 PM

Signing Complete Security Checked 6/7/2016 6:42:59 PM

Completed Security Checked 6/7/2016 6:42:59 PM

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