R05-075
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RESOLUTION NO. R 05-015""
A RESOLUTION OF THE CITY COMMISSION OF
THE CITY OF BOYNTON BEACH, FLORIDA,
APPROVING THE AWARD OF A THREE YEAR
LEASE (BID NO. 033-2110-05/CJD) FOR SEVEN NEW
AND UNUSED VUE VEHICLES TO ~.&1l_ OF
WEST PALM BEACH, IN THE ANNUAL AMOUNT
OF $29,277.36; AUTHORIZING THE MAYOR TO
EXECUTE SAID CONTRACT; AND PROVIDING AN
EFFECTIVE DATE.
WHEREAS, On April 20, 2005, Procurement Services received and opened three
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(3) proposals for the lease of seven (7) vehicles; and
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WHEREAS, it was determined that sr_. of West Palm Beach was the lowest,
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most responsive responsible bidder who met and exceeded all specifications.
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NOW, THEREFORE, BE IT RESOL YED BY THE CITY COMMISSION
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OF THE CITY OF BOYNTON BEACH, FLORIDA, THAT:
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Section 1.
The foregoing "Whereas" clauses are hereby ratified and confirmed
20 as being true and correct and are hereby made a specific part of this Resolution upon
21 adoption.
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Section 2.
The City Commission of the City of Boynton Beach, Florida,
23 hereby approves the award of a three year lease of seven (7) S_ Vue vehicles for use in
24 the Police Department by the Citizens on Patrol (C.O.P.) group in the annual amount of
25 $29,277.36, subject to budget appropriations, and authorizes the Mayor to execute a Lease
26 Agreement between the parties with the condition that the Indemnification language be
27 revised to the satisfaction of the City Attorney, a sample copy of which is attached hereto
28 as Exhibit "A".
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Section 3.
That this Resolution shall become effective immediately.
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2 PASSED AND ADOPTED THIS fl- day of May, 2005.
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17 ATTEST:
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~
CITY OF BOYNTON BEACH, FLORIDA
L---,
7i:: c. ,_b _OA~
/' Commissioner ~
Commissioner
Swanson, Lynn
RDS-07~
From:
:ent:
To:
Subject:
David Tolces [dtolces@cityatty.com]
Tuesday, May 31, 2005 8:29 AM
Swanson, Lynn
RE: Lease of 7 Saturn Vehicles
Excellent! Welcome back. Hope your trip was tres bien
David N. Tolces
David N. Tolces, Esq.
Goren, Cherof, Doody & Ezrol, P.A.
3099 E. Commercial Boulevard, Ste. 200
Fort Lauderdale, FL 33308
Telephone: (954) 771-4500
Facsimile: (954) 771-4923
email: dtolces@cityatty.com
This e-mail and any files transmitted with it are confidential and intended solely for the
individual or entity to whom they are addressed.
If you have received this e-mail in error, please notify the sender by return e-mail.
Thank you.
-----Original Message-----
From: Swanson, Lynn [mailto:SwansonL@ci.boynton-beach.fl.us]
Sent: Tuesday, May 31, 2005 8:28 AM
'1:'0: David Tolces
,ubject: FW: Lease of 7 Saturn Vehicles
Per Mike Munro, Kurt is signing the contracts with the extra $250.00
this
morning at 10:30.
Lynn
> -----Original Message-----
> From: Tolces, David
> Sent: Friday, May 27, 2005 10:11 AM
> To: Bressner, Kurt; Munro, Michael
> Cc: Swanson, Lynn; Alibrandi, Julianne; Cherof, James
> Subject: Lease of 7 Saturn Vehicles
>
> Kurt:
>
> As we discussed, Saturn and GMAC would not agree to remove the
> indemnification language from the Lease Agreement. As a result of
further
> discussions, the Saturn dealer has proposed a slightly different
contract
> relationship that would not include the indemnification provision.
Under
> the new contract, at the end of the contract period, the City would
have
> to pay the dealer a $250.00 plus wear and tear, as well as any excess
> milage fee. The only difference between the new contract and the
l.ease is
the $250.00 fee per vehicle. This would result in a total fee of
> $1,750.00 plus wear and tear, and excess mileage at the conclusion of
the
> contract period.
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>
> It is my understanding that you do not have any objection to
proceeding in
> this manner. Therefore, unless we hear otherwise, we will move
~orward
. with this contract for the 7 Saturn vehicles as approved by the City
> Commission at the May 17, 2005 meeting. Have a great weekend.
>
> David
>
> P.S. Mike - If you have any questions, please call.
2
Tolces, David
From:
3ent:
To:
Cc:
Subject:
Tolces, David
Friday, May 27,200510:11 AM
Bressner, Kurt; Munro, Michael
Swanson, Lynn; Alibrandi, Julianne; Cherof, James
Lease of 7 Saturn Vehicles
Kurt:
As we discussed, Saturn and GMAC would not agree to remove the indemnification language from the Lease Agreement.
As a result of further discussions, the Saturn dealer has proposed a slightly different contract relationship that would not
include the indemnification provision. Under the new contract, at the end of the contract period, the City would have to pay
the dealer a $250.00 plus wear and tear, as well as any excess milage fee. The only difference between the new contract
and the lease is the $250.00 fee per vehicle. This would result in a total fee of $1 ,750.00 plus wear and tear, and excess
mileage at the conclusion of the contract period.
It is my understanding that you do not have any objection to proceeding in this manner. Therefore, unless we hear
otherwise, we will move forward with this contract for the 7 Saturn vehicles as approved by the City Commission at the
May 17, 2005 meeting. Have a great weekend.
David
P.S. Mike - If you have any questions, please call.
RETAIL INSTALMENT SALE CONTRACT
GMAC FLEXIBLE FINANCE PLAN
Dealer Number
Contract Number
~~Te-! (1r~ CB<fYn~ti~~EA1I)ft address (include county and zip code)
Ha0 E BOYNTON BEACH neVD
BOYNTON BEACH. FL 33.; ::5
Creditor (Seller name and address)
GA TURN OF j.rEST P A 1.1"'1 BEA CH
1220 NORTH t1ILITARY TRAIL
WE;::! r~;11Jl ffEi'CI:I, 17L J=~.4il1~
I'll r 'M nE""~
"Mb'rlm o'fDlttl1'?:ll registered owner rr mt:'
You, the Buyer (and Co-Buyer, if any), may buy the vehicle described below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit
under the agreements on the front and back of this contract. You agree to pay us, the Creditor, the Amount Financed and Finance Charge according to the
payment schedule shown below. We will figure the Finance Charge on a daily basis.
New or Used Year Weight (Ibs.) Make and Model Vehicle Identification No. Primary Use for Which Purchased
SATURN o personal, family, or household o agricultural
N"EW 2';)05 0 VUE nID : :GZCZ3:;1)7 S~9~ ~\ 7 Sit: Xib business 0
FEDERAL TRUTH-IN-LENDING DISCLOSURES I Insurance. You may buy the physical damage
FINANCE Amount Total of Payments Total Sale Price insurance this contract requires (see back) from
ANNUAL anyone you choose who is acceptable to us. Your
PERCENTAGE CHARGE Financed The amount you The total cost of choice of insurance providers will not affect our
RATE The dollar The amount of will have paid after your purchase on decision to sell or extend credit to you. You are not
The cost of your amount the credit provided to you have made all credit, including required to buy any other insurance to obtain credit.
credit as a yearly credit will cost you or on your payments as your downpayment Your decision to buy or not buy other insurance will
rate. you. behalf. scheduled. of $ ; ,00(['. l1i0is not be a factor in the credit approval process.
'"1.('l, lUS.SG 21,972.04 22,158. 'N) L":l,158.2rJ
,,"){)% $ $ $ $ If any insurance is checked below, policies or
Your Payment Schedule Will Be: certificates from the named insurance companies will
describe the terms and conditions.
Number Amount When Payments Oras
of Payments of Payments Are Due Follows Check the insurance you want and sign below:
35 $ 3/;8 . 54 Monthly beginning "7/ is.!2i!ll1l5
ONE 9,Q59.30 DUE ON 6/1 S/2008 Optional Credit Insurance.
o Credit Life: o Buyer o Co-Buyer o Both
Late Charge. If a payment is not received in full within 10 days after it is due, you will pay a late Term
charge of 5% of the part of the payment that is late.
Prepayment. If you payoff all your debt early, you will not have to pay a penalty. o Credit Disability (Buyer Only)
Security Interest. You are giving a security interest in the vehicle being purchased. Term
Additional Information: See this contract for more information including information about Premium: H/A
nonpayment, default, any required repayment in full before the scheduled date, and security interest. Credit Life $ Nl.f~ . .
CreditDisability $ f-i j f\
ITEMIZATION OF AMOUNT FINANCED (Insurance <;;om,pany)
"~' "
(Home Office Address)
1 Cash price (including any accessories, services,
and taxes) $ 22. 287 .l~~) Credit life insurance and credit disability insurance
2 Total downpayment = (If negative enter '0' and see line 41 below) are not required to obtain credit. Your decision to
Grass trade-in $ N/' i1. - payoff by seller $ j~ /: buy or not buy credit life insurance and credit
= net trade-in $ ~~j ~~ + cash $ N: disability insurance will not be a factor in the credit
" approval process. They will not be provided unless
+ other (describe) ~;:.'~ :.,"((f D $ , . !!jf~:J(~ "~J~$ 1. !j,..?~Q) ~ 4if-'~) you sign and agree to pay the extra cost. Credit life
3 Unpaid balance of cash price (1 minus 2) $ > I, 2iF . 1 (G) insurance pays only the amount you would owe if
you paid all your payments on time. Credit disability
4 Other charges including amounts paid to others on your behalf (Seller may insurance does not cover any increase in your
keep part of these amounts.): payment or in the number of payments.
A Cost of optional ,credit insurance paid to the insurance
company or comPilnies If the box above is checked to indicate that you
Life $ ~~/A
Disability $ '.f i · $ N" .~ want credit life insurance, please read and sign the
L"n following acknowledgements:
B Other insurance paid to the insurance company $ t-l ..' l~~
C Official fees' paid to government agencies 1. You understand that you have the option of
(de~~.~t?,e). . rm 5>0(~ assigning any other policy or policies you own or
.. <Lt~ ' ~~ may procure for the purpose of covering this credit
BATT FEE 1 t:i~ and that you do not have to purchase this credit life
.1.. ~ "';~j
l-1..1T.~..T..F L. !lie; insurance policy in order to obtain the credit.
X
! $ :: cr:; Buyer Signature Date
, .,. -4"~~
D Govern,nent license and/or registration fees X
(describe) Co-Buyer Signature Date
Your trade-in is a'
Year;
Make
Model
Total other charQes and amounts paid to others on your behalf
5 Amount financed (3 + 4)
$
$
?(~ -"-,
:;~(4)
~:''::'(5)
~. YOU unaerSlana {nal Ine creOll lIIe \,;uvelClye yuu
are purchasing may be deferred if, at the time of this
application, you are unable to engage in
employment or unable to perform normal activities
of a person of your like age and sex. (You do not
have to sign this acknowledgement if the proposed
credit life insurance policy does not contain this
restriction. )
X
Buyer Signature Date
X
Co-Buyer Signature Date
3. You understand that the benefits under this credit
life insurance policy will 0 will not 0 terminate when
you reach a certain age and you verify that your age
is accurately represented on the application or
policy.
X
Buyer Signature Date
X
Co-Buyer Signature Date
Other Insurance.
0
Type of Insurance Term
Premium $ r~ / Ii.
(Insurance Company)
(Home Office Address)
I want the insurance checked above.
X
Buyer Signature Date
X
Co-Buyer Signature Date
ANY INSURANCE REFERRED TO IN THIS
CONTRACT DOES NOT INCLUDE COVERAGE
FOR BODILY INJURY AND PROPERTY
DAMAGE CAUSED TO OTHERS.
$
$
;f'.":
E Government documentary stamp taxes
F Government taxes not included in cash price
(describe)
$
.~ > ;-,
G Government certificate of title fees
(including $ f:!,;: security interest recording fee) $
H Other charges (Seller must identify who is paid and
describe ~ur~~~e.)
to .... ...';,-,.'
to
to
for
;,";,,' f
$
$
$
$
$
$
to
to
to
Net trade- in payoff to
fOr
for
for
for
for
,;_i.' ,>
.";:
~, .
; J ~::
HOW THIS CONTRACT CAN ..BF CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to the
contract must be in r--~ting,andf~ must sign it. No oral changes are binding,
Buyer Signs X ,(1}.J..it-'! 1y.;,c";.....-.;;>-~~.- Co-Buyer Signs X
If any part of this contract is not valid, all other parts stay valid. We may delay or refrain from enforcing any of our rights under this contract without losing them.
For example, we may extend the time for making some payments without extending the time for making others.
See back for other important agreements.
Notice to the Buyer
(a) Do not sign this contract before you read it or if it contains any blank spaces.
(b) You are entitled to an exact copy of the contract you sign. Keep it to protect your legal rights.
The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right
to receive a part of the finance charge.
You agree to the terms of this contract. You confirm that before you signed this contract, we gave it to you, and you were free to take it and review it.
You confirm that ypuleceiv~~'~ completely filled-in copy when you signed it,
; _ _., J
Buyer Signs X,:-J6A")'/1).,,-;Z,r; ", .-l..;: ".-.-, Date ,'; - .-' : ; J.];i[)', Co-Buyer Signs X Date
Co-Buyers and Other Owners. A co-buyer is a person'who is responsible for paying the entire debt. 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 in the vehicle given to us in this contract.
Other owner signs here X
Date
Address
~~r,,~r;JI.:j>~ '_',.'J~; :'i?~~.T
:~Al.M
L:':'~f;.r'n
.. 'Date
, :
-(t"-::
By X
Title
Creditor Signs
Z109 FR-FL 8/2004 (For use in the State of Florida) (1 of 4) Notice: See Other Side
Copyright 2001 General Motors Acceptance Corporation, All Rights Reserved.
mL
iI~~iGH~ft..L ~ BUYER~S CCY?Y
GMAC
FI NANCIAl SERVICES
SmartBuy'.
Rider
New or Used
Year
Descri
Contract Number
Identification Number
N
2005
SATURN
VUE FWD
4 DOOR SUi{
BUYER'S LAST PAYMENT OPTIONS
dated
This SmartBuySM Plan Rider ("Rider") is part of the contract relating to the credit sale of the motor vehicle described above ("Contract")
Mi\ Y 31 st, 2005
(Day) (Yr.)
CITY OF BOYIiTON BEACH
, between
SATUIU1 OF \{E[~T PAlJ1. m;ACH
(Mo.)
(Creditor),
(Co-Buyer). All references'to "this Contract" include this Rider.
Me~ning of Words. Unless this Rider says otherwise, all words used in this Rider and the rest of this Contract have the same meaning, In this
Rider, the words "you" and "your" refer to the Buyer and Co-Buyer, if any. The words "we," "us," and "our" refer to the Creditor named above
and any assignee of the Creditor.
(Buyer) and
AN INSTALMENT OF $
Last Scheduled Payment. THIS CONTRACT IS NOT PAYABLE IN INSTALMENTS OF EQUAL AMOUNTS.
9,959.30
WILL BE DUE ON
,JUNE
t~,tll..
2008
(Mo.)
You may meet your obligation to make this last scheduled payment by choosing one of the following options:
1. You may pay the last scheduled payment on its due date; or
(Day)
(Yr.)
2. You may, if you have met each of the conditions in the paragraph below entitled "Your Option to Sell":
a, sell the vehicle to the Creditor and have the Sale Price applied to the last scheduled payment; and,
b. pay the Creditor the difference between the Sale Price and the last scheduled payment.
Your Option to Sell. You have the option to sell the vehicle to the Creditor on the due date of the last scheduled payment at the Sale Price.
The Sale Price will be the amount of the last scheduled payment: (A) less a $250 disposition fee; (B) less any Excess Wear and Tear
Deduction; and, (C) less any Excess Mileage Deduction. You have this option only if each of the following conditions is met:
1. You drive the vehicle as directed to a specified place so that the Creditor may make a preliminary appraisal of the vehicle's condition;
2. You have not broken any of your agreements under the Contract, including your agreement to keep the ve~icle free from all liens and
encumbrances other than the Creditor's lien; .
3. You have paid the Creditor all amounts owing under the Contract except for the amount of the last scheduled payment;
4. You deliver the vehicle to the Creditor on the due date of the last scheduled payment (or the following business day) at a place designated
by the Creditor;
5. You pay the Creditor on the due date of the last scheduled payment the difference between the Sale Price and the last scheduled payment;
6. You have serviced the vehicle as described in the Owner's Manual and in the Maintenance Schedule folder and as the manufacturer
requests in any recall campaign; and
7. You have not altered the vehicle without obtaining the prior written permission of the Creditor.
If you exercise this option, you will sign and deliver all documents that may be needed to transfer title to the vehicle to the Creditor.
Excess Wear and Tear Deduction. The Excess Wear and Tear Deduction used to figure the Sale Price will be the amount the Creditor
estimates it would cost to make all repairs to the vehicle that are not the result of normal wear and tear, whether or not the Creditor makes the
repairs. These costs include, but are not limited to, the amount it would cost to repair or replace: (a) glass that is damaged or that you have
tinted; (b) damaged body, fenders, metal work, lights, trim or paint; (c) missing equipment that was in the vehicle when delivered and has not
been replaced with equipment of equal quality and design; (d) missing wheel covers, jack or wheel wrench; (e) missing or unsafe wheels or
tires (including spare; snow tires are not acceptable); (f) any tire with less than 1/8 inch of tread remaining at the shallowest point; (g) torn,
damaged, or stained dash, floor covers, seats, headliners, upholstery, interior work or trunkliners; (h) any mechanical damage or other condition
that causes the vehicle to operate in a noisy, rough, improper, unsafe, or unlawful manner; (i) any other damage; and, (j) any other costs
required to restore the vehicle to saleable condition.
Independent Appraisal. If you disagree with the Excess Wear and Tear Deduction, you may obtain at your own expense a professional
appraisal of the vehicle's value. The appraiser must be an independent third party acceptable to both you and the Creditor. If you choose to
obtain a profej;sional appraisal, t~e Sale Price will be the lesser of: (1) the amount of the last scheduled payment as s~own in the payment
"'hedule, m'fus th~ $2501J<spoSlt'0, fee; 0' (2) the appca<se" ,alue ot the 'eh'cle mmus the $250 d,spos,',o, lee~ J/6
Excess MII';age Deduction. The E,cess Mleage Deduction used '0 figu,e the Sale P"ce will be ..< 0 . 'pe, mile 10' each mile
he vehicle is driven over ,.~~'~) C; J D \(~J1iles.
GMAC
FI NANCIAL SERVICES
SmartBuy"M
Rider
New or Used
Year
Descri
Dealer Number
Contract Number
Identification Number
N
20'05
SATURN
VUE FWD
4 DOOR SUi{
BUYER'S LAST PAYMENT OPTIONS
dated
This SmartBuySM Plan Rider ("Rider") is part of the contract relating to the credit sale of the motor vehicle described above ("Contract")
Mi\Y 31 st, 2005
(Day) (Yr.)
CIT! OF 80Y~TON BEACH
, between
~;ATURN OF IfJWT PAU1 BEACH
(Mo.)
(Creditor),
(Co-Buyer). All references'to "this Contract" include this Rider.
(Buyer) and
Meaning o! Wo,ds. Unleso this Ridec says othe'Wise, all wocds ",ed in this Ridec and the mst of this Conteaot have the same meaning. In this
Rider, the words "you" and "your" refer to the Buyer and Co-Buyer, if any. The words "we," "us," and "our" refer to the Creditor named above
and any assignee of the Creditor.
AN INSTALMENT OF $
Last Scheduled Payment. THIS CONTRACT IS NOT PAYABLE IN INSTALMENTS OF EQUAL AMOUNTS.
9,959.30
WILL BE DUE ON
.JUNE
1 ~; tll..
2008
(Mo.)
You may meet your obligation to make this last scheduled payment by choosing one of the following options;
1. You may pay the last scheduled payment on its due date; or
(Day)
(Yr.)
2. You may, if you have met each of the conditions in the paragraph below entitled "Your Option to Sell";
a, sell the vehicle to the Creditor and have the Sale Price applied to the last scheduled payment; and,
b. pay the Creditor the difference between the Sale Price and the last scheduled payment.
Your Option to Sell. You have the option to sell the vehicle to the Creditor on the due date of the last scheduled payment at the Sale Price.
The Sale Price will be the amount of the last scheduled payment: (A) less a $250 disposition fee; (B) less any Excess Wear and Tear
Deduction; and, (C) less any Excess Mileage Deduction. You have this option only if each of the following conditions is met:
1. You drive the vehicle as directed to a specified place so that the Creditor may make a preliminary appraisal of the vehicle's condition;
2. You have not broken any of your agreements under the Contract, including your agreement to keep the ve~icle free from all liens and
encumbrances other than the Creditor's lien;
3. You have paid the Creditor all amounts owing under the Contract except for the amount of the last scheduled payment;
4, You deliver the vehicle to the Creditor on the due date of the last scheduled payment (or the following business day) at a place designated
by the Creditor;
5. You pay the Creditor on the due date of the last scheduled payment the difference between the Sale Price and the last scheduled payment;
6. You have serviced the vehicle as described in the Owner's Manual and in the Maintenance Schedule folder and as the manufacturer
requests in any recall campaign; and
7. You have not altered the vehicle without obtaining the prior written permission of the Creditor.
If you exercise this option, you will sign and deliver all documents that may be needed to transfer title to the vehicle to the Creditor,
Excess Wear and Tear Deduction. The Excess Wear and Tear Deduction used to figure the Sale Price will be the amount the Creditor
estimates it would cost to make all repairs to the vehicle that are not the result of normal wear and tear, whether or not the Creditor makes the
repairs. These costs incfude, but are not limited to, the amount it would cost to repair or replace; (a) glass that is damaged or that you have
tinted; (b) damaged body, fenders, metal work, lights, trim or paint; (c) missing equipment that was in the vehicle when delivered and has not
been replaced with equipment of equal quality and design; (d) missing wheel covers, jack or wheel wrench; (e) missing or unsafe wheels or
tices (inoluding spam; snow tims ace not aODeptable); (f) any tice with leso than 1/8 inoh 01 tmad cemaining at the shallowest point; (gl tom,
damaged, or stained dash, floor covers, seats, headliners, upholstery, interior work or trunkliners; (h) any mechanical damage or other condition
that causes the vehicle to operate in a noisy, rough, improper, unsafe, or unlawful manner; (i) any other damage; and, (j) any other costs
required to restore the vehicle to saleable condition.
Independen! App..'sal. If you disagcee with the boeso Weac and Teac Deduotion, you may obtain at youc own e'peose a peafesoiona'
appraisal of the vehicle's value. The appraiser must be an independent third party acceptable to both you and the Creditor. If you choose to
)btaln a peaf"sio'al appeai"" the Sale Pcioe will be the lessee of (II the amount 01 the last soheduled payment as shown in the payment
;chedule. miifus th~ $250 "i,position lee; DC (2 I fhe appeaised valUe ofthe vehiole minu"he $250 diSPOSition fee. ir..;
, ~~ ~
'xcess Mileage Deducflon. The E,osss Mileage Deductio" used to figu," the Sale Pcioe will be ~ U . pee mile foe each mile
. (..).) D /0
1e vehicle is driven over :'~j~') ~"~-:J1i1es.
(jj
uyer Signs
\ ~. ".'
,.J. . LF"~/r( .. /1
\J,l.{,\"~1 f /.I-..eA./~e:,~ _"_'
Co-Buyer Signs
ther owner signs
l. J..I. ( tlj" tlU "( N .L UN jjE;J\ C!1
editor Signs
By
Title
II1AC SB-TRAD-NRO (6-2004)
SATURN" OF WEST PAUi nEACH
DUPLICATE ORIGINAL. BUYER'S COpy
RETAIL INSTALMENT SALE CONTRACT
GMAC FLEXIBLE FINANCE PLAN
Dealer Number
Buyer (and _Co:Buyer) - Name and address (include county and zip code)
~: t ~I.>-: '.;<.- -~ u'r ~ ;;;
Contract Number
.l.:d~-~ ~. L.~':~ il~-.L'Ur-7 l',r;i\( L".
..--'. '"
:!.;.,- ;"
Creditor (Seller name and address)
._i.-t~);-:t.j ;.~\>. i,'JF:~' ~- ;,:,,"\-1 t:. t :-.,'""
!i0P t!iL ~_ r~_~~
GOYt,vro!\~ Bf.?J.CrJ t".f. ':. i4;:5
::"4r-::j't ~-"~~Ll'; {~i~~~~'~>:j ~.. L '<-.f
-"" '., - ":Ii <,-'. .~, -" _ "I: r ~
;> 'M&llth'oH'iIitt\'of registered owner 1,\h,.
You, the Buyer (and Co-Buyer, if any), may buy the vehicle described below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit
under the agreements on the front and back of this contract. You agree to pay us, the Creditor, the Amount Financed and Finance Charge according to the
payment schedule shown below. We will figure the Finance Charge on a daily basis.
New or Used Year Weight (Ibs.) Make and Model Vehicle Identification No. Primary Use for Which Purchased
::;r\1~URN 0 personal, family, or household o agricultural
.
N;~:W )~~0'j '{; ~;Li r~ r'~;JC > '? ;"-;- :'.-:: Dc; ,:: ~_; :'-~ ;-' ~ '""0 business 0
.-.' <, ~-' ~~~
Your trade-in is a:
Year
Make
Model
ANNUAL
PERCENTAGE
RATE
The cost of your
credit as a yearly
rate.
FEDERAL TRUTH-IN-LENDING DISCLOSURES
FINANCE Amount Total of Payments
CHARGE Financed The amount you
The dollar The amount of will have paid after
amount the credit provided to you have made all
credit will cost you or on your payments as
you. behalf. scheduled.
Total Sale Price
The total cost of
your purchase on
credit, including
your downp~~y~e~t
;f $'::. ~J~i~;/1~JS
, .l'J % $
; (::- :H.' $
. . $
. ';. ~ '.'. .."
Your Payment Schedule Will Be:
Number Amount When Payments
of Payments of Payments Are Due
j ~ $)'t i5. :~ 4 Monthly beginning I 1. :..,./ ~:) -3 ::
Oras
Follows
l)l)[
9 :)"'~t 9, ~} f
DFt ot-;
1 :; ,/:; ~j!3,'3
Late Charge. If a payment is not received in full within 10 days after it is due, you will pay a late
charge of 5% of the part of the payment that is late.
Prepayment. If you payoff all your debt early, you will not have to pay a penalty.
Security Interest. You are giving a security interest in the vehicle being purchased.
j\dditiollal . Information: See. this contract fOr more information. including information about
nonpayhient;defaulf, any required repayment in full before the scheduled date, and security interest.
ITEMIZATION OF AMOUNT FINANCED
1 Cash price (including anyacc:essories, services;
. and taxes)
2 Total downpaYrneht '" .(If negatiVe enter "0." and seeliheAI below)
Grass trade-in $ " i " _ payoff by seller $
= net trade-in $ N ;' ,L\ + cash $
+ other (describe);!,! !j-)\ $
3 Unpaid balance of cash price (1 minus 2)
4 Other charges including amounts paid to others on your behalf (Seller may
keep part of these amounts.):
A Cost of optional credit insurance paid to the insurance
company or companies
Life $ (<1._:;~
Disability $ 1'1/." $
B Other insurance paid to the insurance company $
C Officialfees paid to government agencies
(describe)
$
~.-,
.~....,: ....
~:ij/? .;
tCll)
,\!/;:).
:"-J/';:.
;:;:~ ~:l0-.- -,~~} 1,.$
!J0~_~, ~~ f2)
$ 2.:,,';; 8 /, 1.~3.)
f'f ''-,
"'.'/J(
'fiIR'f": -fr:f~
~". {,j ~,~
BATT. .~"L'X~
i ~.
fl;. \/. 1;4 '1" .;
". ;):;.
D Government license and/or registration fees
(describe)
$
Insurance. You may buy the physical damage
insurance this contract requires (see back) from
anyone you choose who is acceptable to us. Your
choice of insurance proViders will not affect our
decision to sell or extend credit to you. You are not
required to buy any other insurance to obtain credit.
Your decision to buy or not buy other insurance will
not be a factor in the credit approval process.
If any insurance is checked below, pOliCies or
certificates from the named insurance companies will
describe the terms and conditions.
Check the insurance you want and sign below:
Optional Credit Insurance.
o Credit Life: 0 Buyer 0 Co-Buyer 0 Both
Term
o Credit Disability (Buyer Only)
Term
Premium:
Credit Life $
Credit Disability $
-'/
i1l."'~ .
(Insurance 9,orppany)
(Home OffiCE:! Address)
Greditlifeinsuranceand c;reditdisability insurance
. are'not required to obtain credit. 'Your decision .to
buy or not buy credit life insurance and. credit
disability insurance will not be a factor in the credit
approval process. They will not be provided unless
you sign and agree to pay the extra cost. Credit life
insurance pays only the amount you would owe if
yotipaia all yoUI' paymelitsoritime:Credit disability
insurance does not cover any increase in your
payrnentor il} the numberof payments.
If the bo)(above is checked to indicate that you
Want credit life insur-ance, please read and sign the
following acknowledgements:
1. You understand that you have the option of
assigning any other policy or pOliCies you own or
may procure for . the. purpose of covering this' credit
and that you do not have to purchase this credit life
insurance policy in order to obtain the credit.
X
Buyer Signature
X
Co-Buyer Signature
Date
Date
$
$
,. IVUUIIUCI.;:)Lc:lI-lU !.lIeU lilt:: LIt:Unu't: t,;UVt:Hi::tyt:t yuu
are purchasing may be deterred if, at the time of this '
application, you are unable to engage in
employment or unable to perform normal activities
of a person of your like aQe and sex. (You do not
have to sign this acknowledgement if the proposed
credit life insurance policy does not contain this
restriction,)
X
Buyer Signature Date
X
Co-Buyer Signature Date
3, You understand that the benefits under this credit
life insurance policy will 0 will not 0 terminate when
you reach a certain age and you verify that your age
is accurately represented on the application or
policy.
X
Buyer Signature Date
X
Co-Buyer Signature
Date
E Government documentary stamp taxes
F Government taxes not included in cash price
(describe)
$
G Government certificate of title fees
(including $ '/ security interest recording fee) $
H Other charges (Seller must identify who is paid and
describe purpose.)
to ;.>\, p, for ", $
~ fur $
~ fur $
to for $
~ fur $
~ fur $
Net trade- in payoff to $
Total other charQes and amounts paid to others on your behalf
5 Amount financed (3 + 4)
Other Insurance.
o
Type of 1.7surance
Term
$
$
'(4)
(5)
Premium $
(Insurance Company)
(Home Office Address)
I want the insurance checked above.
X
Buyer Signature
X
Co-Buyer Signature
Date
Date
ANY INSURANCE REFERRED TO IN THIS
CONTRACT DOES NOT INCLUDE COVERAGE
FOR BODILY INJURY AND PROPERTY
DAMAGE CAUSED TO OTHERS.
HOW THIS CONTRACT CAN BE CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to the
contract must be in ;writing and"We must sign it. No oral changes are binding.
Buyer Signs X ,J: c'';' '., ." Co-Buyer Signs X
If any part of this contract i~'~ot valid, all other parts stay valid. We may delay or refrain from enforcing any of our rights under this contract without losing them.
For example, we may extend the time for making some payments without extending the time for making others.
See back for other important agreements.
Notice to the Buyer
(a) Do not sign this contract before you read It or If It contains any blank spaces.
(b) You are entitled to an exact copy of the contract you sign. Keep it to protect your legal rights.
The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right
to receive a part of the finance cnarge.
You agree to the terms of this contract. You confirm that before you signed this contract, we gave it to you, and you were free to take it and review It.
You confirm that ypu received.a completely filled-in copy when you signed it.
Buyer Signs X ",; ii':: '" .,\ Date Co-Buyer Signs X Date
Co-Buyers and Other Own'ers - A co-buyer is a person who is responsible for paying the entire debt. 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 in the vehicle given to us in this contract.
Other owner signs here X
Creditor Signs
Date
Address
Date
By X
Title
2109 FR-FL 8/2004 (For use in the State of Florida) (1 of 4) Notice: See Other Side
Copyright 2001 General Motors Acceptance Corporation. All Rights Reserved.
DUPUCATE OR!GINAL - 8UYER'S COpy
l~~
SmartBuy'.
Rider
I=~-"~"ed]
Year
Dealer Number
DescriPtion of Property
, ,~ I :. C',
Contract Number
Identification Number
hH:} 5
:, NI'WW
\/Uf: I ~\lll
~ UUtH..! S U '\}
~(~ZC~3'~~~~~~Bj]~,l (
BUYER'S LAST PAYMENT OPTIONS
Mileage on Odometer
/'..}.) , ,
Lv t<'r\
dated
Th;s Sma,tB"y"" Plan Ride, ("Ridec') is pa,t of the conteact 'etating to the c'edit sale of the moto, vehicle desc'ibed above ("Cont'act")
:1/. { 3 J 5 r:, ,2 0 ~}5
(Mo.) {',' 'In., ,..,(Da,~Q(l""", "1".')1' Sr..L/lY,f..lj
'.' ., .J,.l .... t _J .." .l ,.1 ..."f _' lI..,ii ,. \ ..
(Creditor),
(Co-Buyer). All references to "this Contract" include this Rider.
Meaning of WO'ds. Unless this Ride, says othe'Wise, all wO'ds "sed in this Ride, and the "sl 0' Ihis Conlea" have the same meaning. In Ihis
Ride" the wo'ds "yO"" and "yO"'" ,.feno fhe B"ye, and Co-B"ye" if any. The wo'ds "we," ""S,' and "0"," ,efe, fo Ihe C,edito, named above
and any assignee of the Creditor.
, between
"ATII1W ,,if l~e;.,T PA!.N f.ii~A,..,;u
(Buyer) and
AN INSTALMENT OF $
last Scheduled Payment. THIS CONTRACT IS NOT PAYABLE IN INSTALMENTS OF EQUAL AMOUNTS,
", :-1';:1, ,,;
(Mo.)
You may meet you, obnganon 10 make Ihis tast sChed"'ed payment by choosing one of the tollowing opfions;
1. You may pay the last scheduled payment on its due date; or
WILL BE DUE ON
,!!}Ui':
f :::; t ll.
::,!.t1V>.b
(Day)
(Yr.)
2. You may, if you have mel each ofthe conditions in the paeageaph below ennlted "YO"' Option 10 Sell";
a. Selllhe vehicle to the C'edito, and have Ihe Sale P'ice appned 10 the last scheduled payment; and,
b. pay the Creditor the difference between the Sale Price and the last scheduled payment.
You, Option to SeU. YO" have Ihe oplion 10 selllhe vehicle to Ihe C,edito, on Ihe doe dale of Ihe last sChed"'ed payment at Ihe Sale P,ice.
The Sale P,ice will be Ihe amo"nl of the tasl sChed"'ed payment: (A) less a $250 disposition fee; (B) tess any Excess Wea, and Tea,
Deduction; and, (C) less any Excess Miteage Ded"ction. YO" have Ihis option onty if each of the fOllOWing conditions is met:
1. You d'ive Ihe vehide as di,ecled to a specified place so Ihalthe C'edito, may make a p,enmina", apmaisat of the vehicle's condition;
2. yO" have nol bmken any of you, ageeements unde, Ihe Cont,act, incl"ding yO", ag'eemenl to keep Ihe vehicle f'ee fmm all nens and
encumbrances other than the Creditor's lien;
3. YO" have paid the C'edito, all amo"nls owing "nde, Ihe Cont,a" excepl fo, Ihe amo"nt of the last scheduled paymenl;
4. You denve, Ihe vehicle 10 Ihe C'edito, on Ihe doe date 0' Ihe last sched"'ed paymenl (0' the following business day) al a place designaled
by the Creditor;
5. yO" pay Ihe C,edito, on Ihe due dale of Ihe last sChed"'ed payment Ihe diUe,ence belween Ihe Sale P'ice and the last scheduled payment;
6. YO" have seNiced the vehicle as deseeibed in Ihe Owne"s Man"al and in Ihe Maiolenance SChed"'e folde, and as the man"fa"",e,
requests in any recall Campaign; and
7. You have not altered the vehicle without obtaining the prior written permission of the Creditor.
f yO" exefeise Ihis OPtion, YO" will sign and denve, all doc"ments Ihat may be needed 10 leanste, tilte 10 the vehicle to the C,. dit 0'.
'xcess Wea, and Tea, Deduction. The Excess Wea, and Tea, Ded"Ction used to ngu'e the Sale P,ice will be Ihe amount fhe C,edito,
"timales it wo"'d cost 10 make all 'epai" to the vehicle Ihal a'e not Ihe ,es"U of noemal wea, and lea" whelhe, 0' nol the C.edilo, makes Ihe
epai". These cosls incl"de, b"1 a.e not nmited to, the amount it wo"'d cost 10 ,epai, 0' 'eptace; (a) glass thai is damaged 0' Ihat yO" have
nted; (b) damaged body, fende", metal wo,k, ngh", I,im 0' painl; (c) missing equipment that was in the vehicle when denve,ed and has not
een 'eplaced with equipment of eq"al q"anty and design; (d) missing wheel Cove", Jack 0' wheel w'ench; (e) missing 0' "nsafe wheets 0'
'es (incl"ding spa'e; snow ti'es a'e nol acceptable); (f) any ti'e wilh less than 1/8 inch of I'ead 'emaining atlhe shallowesl pOinl; (g) tom,
'maged, 0' stained dash, floo, cove", seats, headnne", "Photste"" inte'io, wo,k On,"nknne", (h) any mechanicat damage 0' othe, Condilion
at causes Ihe vehicte 10 opeeale in a noisy, m"gh, immope" "nsafe, 0' "nlawl"1 manne" (i) any olhe, damage; and, (i) any othe, costs
quired to restore the vehicle to saleable condition,
dependent App,aisat If yO" disag,ee with Ihe Excess Wea, and Tea, Ded"ction, you may oblain al yO"' OWn expe"e a pmfessional
'P'aisat 0' Ihe VehICle's val"e. The appeaise, must be an independent thi'd party aCCeptabte to bolh you and the C'edrto," II you choose 10
lain a pcofessional apP'aisat, the Sate Peice will be Ihe lesse, 0'; (1) the amount of Ihe last scheduled payment as shown in the paymenl
,ed"le, min"s the $250 diSPOSition fee; 0' (2) Ihe appeaised value of the vehicle minus Ihe $250 diSPosilio'l)e.<<,
cess Mileage Deduction, The cftSS Mite"lle Ded"Ction "sed to fig",e the Sale P,ice wHl be .:-;( U _ c pe, mile fo, each mrte
E~! 'x'l } ('\1 . Lied?,
vehicle is driven over ,,-,VI _\' ,_. <" miles, . .
\l~<?
.---:--+:", )
(,'
r Signs
I) ......
'r..l., . . /;'. 11-1 ~,~~~__..,.
\,,, l.<,A}\ !; r...-....
. owner signs
C i<f'f' '!to- !~UY;""\'ON n:"At~IU
Co-Buyer Signs
or Signs
:~TURU (if (n:~ST P-iLr1 Bi;;l'lC[1
By
~ SB-TRAD-NRO (6-2004)
Title
DUPLICATE ORIGINAL - BUYER'S Copy
RETAIL INSTALMENT SALE CONTRACT
GMAC FLEXIBLE FINANCE PLAN
Dealer Number
i~_~1e[ (~n? ~~0Siu~~rl~~1:nf;~I~ address (include county and zip code)
t ~'t:!;; li~ eo fN'~f~J~! !lf~/!Ch .DIl:"'
-.: ." I i")':-',:~'
Contract Number
.~ ,'. '-" .;
-;- .:: ..::'" '-~/
Creditor (Seller name and address)
;~)ATUHJ~ "PALJ~~
.AJ~,Y
.~
::~'4[,:C.
M6tJf~ d(Bir1h;b1 registered owner H it,i;.
You, the Buyer (and Co-Buyer, if any), may buy the vehicle described below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit
under the agreements on the front and back of this contract. You agree to pay us, the Creditor, the Amount Financed and Finance Charge according to the
payment schedule shown below. We will figure the Finance Charge on a daily basis.
New or Used Year Weight (Ibs.) Make and Model Vehicle Identification No. Primary Use for Which Purchased
S..:\ T(fi:fl o personal, family, or household o agricultural
.....~-,. :':'7y,1J5 - VUE ?~lr.; ',-: ":-7:13r);~, Y:b
;,j,l:- ,if .. ~It..i '. "or business 0
Your trade-in is a:
Year
Make
Model
FEDERAL TRUTH-IN-LENDING DISCLOSURES
ANNUAL FINANCE Amount Total of Payments
PERCENTAGE CHARGE Financed The amount you
RATE The dollar The amount of will have paid after
The cost of your amount the credit provided to you have made all
credit as a yearly credit will cost you or on your payments as
rate. you. behalf. scheduled.
. ~)i.i. " .. .. ~i . -; .;'... ,;,i. .':'':'1
% $ , ,'...,:J $ ...: - . $
~
--
Total Sale Price
The total cost of
your purchase on
credit, including
your downpayment
;f $ .! ~\~1:~; 8 \u~~~
--
Your Payment Schedule Will Be:
Number Amount
of Payments of Payments
::!" $ ~ "'3 - 'jf' Monthly beginning
:/i ;~, :'<'~~: ,'~:;
When Payments
Are Due
Or as
Follows
;- ~. J.~ /; ;:- :'-t)~j-J _~:.
.~~. iJ Fe () tr
t- i 1 .~~./ ~: q{~~ 8
Late Charge. If a payment is not received in full within 10 days after it is due, you will pay a late
chClrge of 5% of the part of the payment that is late.
Prepayment. If you payoff all your debt early, you will not have to pay a penalty.
Security Interest. You are giving a security interest in the vehicle being purchased.
Additional Information: See this contract for more information including information about
nonpayment, default, any required repayment in full before the scheduled date, and security interest.
ITEMIZATION OF AMOUNT FINANCED
1 Cash price (including any accessories, services,
and taxes)
2 Total downpayment = (If negative enter '0' and see line 41 below)
Gross trade-in $ ,..J" -i _ payoff by seller $
= net trade-in $ ~i ie. + cash $
+ other (describe) :-;:i; !.+,)'.' '-. $
3 Unpaid balance of cash price (1 minus 2)
4 Other charges including amounts paid to others on your behalf (Seller may
keep part of these amounts.):
A Cost of optional credit insurance paid to the insurance
company or companies
Lifu $
Disability $
B Other insurance paid to the insurance company
C Official fees paid to government agencies
(desp.09,e.~ ,,,_,.
j. ;'J\..,L:, l' l':>.,;:~,
$
,
! (1)
f\:Z ,: . <
~\,\ ./ J~
.-
:;J.j:~',
''''$
$
\ ,iN,:';:; ::;::t2)
.'. t ~ ? .~_~ ~~:' ~ J ('3)
i'4/
I"~ _, $
$
.i. _
,
E 004 1;?~'.-~i:Y~
'J _ ~j)'~_'
~..~.3
,~~. ';. ~.: .
;. ,;,;
: .,~~.~;
$
~ l' j
Insurance. You may buy the physical damage
insurance this contract requires (see back) from
anyone you choose who is acceptable to us. Your
choice of insurance providers will not affect our
decision to sell or extend credit to you. You are not
required to buy any other insurance to obtain credit.
Your decision to buy or not buy other insurance will
not be a factor in the credit approval process.
If any insurance is checked below, policies or
certificates from the named insurance companies will
describe the terms and conditions.
Check the insurance you want and sign below:
Optional Credit Insurance.
o Credit Life: 0 Buyer 0 Co-Buyer
Term
OSoth
o Credit Disability (Buyer Only)
Term
Premium:
Credit Life $
Credit Disability $
~4"' '.
.0 ,
i~ oi '!
(Insurance yompany)
(Home Office Address)
Credit life insurance and credit disability insurance
are not required to obtain credit. Your decision to
buy or not buy credit life insurance and credit
disability insurance will not be a factor in the credit
approval process. They will not be provided unless
you sign and agree to pay the extra cost. Credit life
insurance pays only the amount you would owe if
you paid all your payments on time. Credit disability
insurance does not cover any increase in your
payment or in the number of payments.
If the box above is checked to indicate that you
want credit life insurance, please read and sign the
following acknOWledgements:
1. You understand that you have the option of
assigning any other policy or pOliCies you own or
may procure for the purpose of covering this credit
and that you do not have to purchase this credit life
insurance policy in order to obtain the credit.
X
Buyer Signature
Date
(deScribe)
Total other char es and amounts aid to others on our behalf
5 Amount financed (3 + 4)
$
$ 'j., S'?:,:
~:jg :~
. ':"'(4)
;;:"(5L
Co-Buyer Signature Date
2. You understand that the credit life coverage you
are purchasing may be deferred if, at the time of this
application, you are unable to engage in
employment or unable to perform normal activities
of a person of your like age and sex. (You do not
have to sign this acknowledgement if the proposed
credit life insurance policy does not contain this
restriction. )
X
Buyer Signature Date
X
Co-Buyer Signature Date
3. You understand that the benefits under this credit
life insurance policy will 0 will not 0 terminate when
you reach a certain age and you verify that your age
is accurately represented on the application or
policy,
X
Buyer Signature Date
X
Co-Buyer Signature Date
Other Insurance.
0
Type of Insurance Term
Premium $ N;,~;
(Insurance Company)
(Home Office Address)
I want the insurance checked above.
X
Buyer Signature Date
X
Co-Buyer Signature Date
ANY INSURANCE REFERRED TO IN THIS
CONTRACT DOES NOT INCLUDE COVERAGE
FOR BODIL Y INJURY AND PROPERTY
DAMAGE CAUSED TO OTHERS.
E Government documentary stamp taxes
F Government taxes not included in cash price
(describe)
$
$
t~
G Government certificate of title fees
(including $ j,j 0' P, security interest recording fee) $
H Other charges (Seller must identify who is paid and
describe ~~~~9~e.)
to ',' ,i : ,'1',1';
to
to
to
$
lbr ,;., ,
for
for
!.]rut4:;
,,~
$
$
$
$
$
$
roj _/
t:,~ :~~f}} .
t;: ..
for
to
to
Net trade- in payoff to
for
for
''oJ _
..!
HOW THIS CONTRACT, CAN BE CHANGED, Thi, ooot,,,,, ,ontaJ" \ha onli" a,,,amam batw"o yO" aod "' ,.ta'o, to \hI, ooo'eot. Any 'haoga to \ha
contract must be in writing and we,must sign it. No oral changes are binding.
Buyer Signs X ,1." /k.::',,:;, -'~.....a<'_.., .,~,-," --_ Co-Buyer Signs X
It "'Y part 0' \hI, 00"';" I, 00' vatld, all o\h" parts "ay'OlId. Wa may da'ay oc ""ato 'mm "'o"'og aoy 0' 0", tigh~ ond" \hI, OO",eaol .;\hout to,'og \ham.
For example, we may extend the time for making some payments without extending the time for making others.
See back for other important agreements.
Notice to the Buyer
(a) Do not sign this contract before you read it or if it contains any blank spaces.
(b) You are entitled to an exact copy of the contract you sign. Keep it to protect your legal rights.
The Annual PercenlBge Rate may be negotiable with the Seller. The Seller may assign this contract and relBin its right
to receive a part of the finance charge.
Vou ag,.. to th. ......, o. .ht. ooo"eo.. Veo oooll'm that be'..a y"" ,tgo"" 'hI, 000""01. wa gaw . to yeo. eod yeo ~'e tree to take It aM 'evtew It,
You confirm that YOl;' received ~fompletely filled-in copy when you signed it.
Buyer Signs X "~ ':" ,1-- /1."" ..' . '_':" -, , _' Date" ,,' i >:i{" Co-Buyer Signs X Date
C<>-Buyers and Othe, Own"" A '~buy" I, a pecsoo who I, "'P""'ble 'm po"og \he "Ii" debt. Ao oth" 000" I, a P",on Whose oame I, 00 \he 'lie to
the vehicle but does not have to pay the debt. The other owner agrees to the security interest in the vehicle given to us in this contract.
Other owner signs here X
Creditor Signs
~ ,..,-,
~, ~t
Date
Address
" n::;: ~_~-t}
By X
Date
.:. ~ " -,
Title
SmartBuy'~
Rider
GMAC
'INANCIAL SERVICES
New or Used
Year
Descri
Contract Number
Identification Number
N
2~'i05
;3ATURN
VUE .\<'fin
.j DOOR 8m
, \ /(J~
l () ~~,~#
BUYER'S LAST PAYMENT OPTIONS
rhis SmartBuySM Plan Rider ("Rider") is part of the contract relating to the credit sale of the motor vehicle described above ("Contract")
:Jated
(Mo.)
J:tAI 31St., 2005
(Day) (Yr.)
ern or DOYNTON BKhGH
, between
~:ATURN OF' !!lEST P.i\U1 BEACH
(Buyer) and
(Creditor),
(Co-Buyer), All references to "this Contract" include this Rider.
Meaning of Words. Unless this Rider says otherwise, all words used in this Rider and the rest of this Contract have the same meaning. In this
Rider, the words "you" and "your" refer to the Buyer and Co-Buyer, if any. The words "we," "us," and "our" refer to the Creditor named above
and any assignee of the Creditor.
Last Scheduled Payment. THIS CONTRACT IS NOT PAYABLE IN INSTALMENTS OF EQUAL AMOUNTS,
AN INSTALMENT OF $
(Mo.)
You may meet your obligation to make this last scheduled payment by choosing one of the following options:
1. You may pay the last scheduled payment on its due date; or
9,959.3V)
WILL BE DUE ON
JUNE
15 ttL
(Day)
2QlQJ8
(Yr.)
2. You may, if you have met each of the conditions in the paragraph below entitled "Your Option to Sell":
a. sell the vehicle to the Creditor and have the Sale Price applied to the last scheduled payment; and,
b. pay the Creditor the difference between the Sale Price and the last scheduled payment.
Your Option to Sell. You have the option to sell the vehicle to the Creditor on the due date of. the last scheduled payment at the Sale Pnce.
The Sale Price will be the amount of the last scheduled payment: (A) less a $250 diSposition fee; (B) less any Excess Wear and Tear
Deduction; and, (C) less any Excess Mileage Deduction. You have this option only if each of the following conditions is met:
1. You drive the vehicle as directed to a specified place so that the Creditor may make a preliminary appraisal of the vehicle's condition;
2. You have not broken any of your agreements under the Contract, including your agreement t6 keep the vehicle free from all liens and
encumbrances other than the Creditor's lien;
3. You have paid the Creditor all amounts owing under the Contract except for the amount of the last scheduled payment;
4, You deliver the vehicle to the Creditor on the due date of the last scheduled payment (or the following business day) at a place designated
by the Creditor;
5. You pay the Creditor on the due date of the last scheduled payment the difference between the Sale Price and the last sched'uled payment;
5. You have serviced the vehicle as described in the Owner's Manual and in the Maintenance Schedule folder and as the manufacturer
requests in any recall campaign; and
7. You have not altered the vehicle without obtaining the prior written permission of the Creditor.
If you exercise this option, you will sign and deliver all documents that may be needed to transfer title to the vehicle to the Creditor.
Excess Wear and Tear Deduction. The Excess Wear and Tear Deduction used to figure the Sale Price will be the amount the Creditor
3stimates it would cost to make all repairs to the vehicle that are not the result of normal wear and tear, whether or not the Creditor makes the
'epairs. These costs include, but are not limited to, the amount it would cost to repair or replace: (a) glass that is damaged or that you have
inted; (b) damaged body, fenders, metal work, lights, trim or paint; (c) missing equipment that was in the vehicle when delivered and has not
)een replaced with equipment of equal quality and design; (d) missing wheel covers, jack or wheel wrench; (e) missing or unsafe wheels or
ires (including spare; snow tires are not acceptable); (f) any tire with less than 1/8 inch of tread remaining at the shallowest point; (g) torn,
jamaged, or stained dash, floor covers, seats, headliners, upholstery, interior work or trunkliners; (h) any mechanical damage or other condition
.hat causes the vehicle to operate in a noisy, rough, improper, unsafe, or unlawful manner; (i) any other damage; and, (j) any other costs
'equired to restore the vehicle to saleable condition.
:.xcess Mileage Deduction. The Excess Mileage Deduction used to figure the Sale Price will be
he vehicle is driven over .-? ( 0 4) C!
\ /()~iles.
.~..
iiI
3uyer Signs
') . ""<'-;
I.' .' ,
,..,/~ t ........jt~, / ,'""',....,
";:\(hVt (j .1/.. "tA,FJZ,_'- -...---'
Co-Buyer Signs
)ther owner signs
1,;J.11 OF BOYNTON BEACH
)reditor Signs
By
Title
3MAC SB-TRAD-NRO (6-2004)
~.;.f',TU.RN OF WEST PALM BEACH
DUPLICATE ORIGINAL - BUYER'S COpy
GMAC
FINANCIAL SERVICES
SmartBuy"M
Rider
New or Used
Year
Descri
Contract Number
Identification Number
N
2~')05
,{f,TURN
YUE FWD
'i DOOR 8m'
BUYER'S LAST PAYMENT OPTIONS
'" .,,\
J (l
'VJP-
; 'oj.
..,..-<
This SmartBuySM Plan Rider ("Rider") is part of the contract relating to the credit sale of the motor vehicle described above ("Contract")
(Mo.)
(Creditor),
(Co-Buyer). All references to "this Contract" include this Rider.
Meaning of Words. Unless this Rider says otherwise, all words used in this Rider and the rest of this Contract have the same meaning. In this
Rider, the words "you" and "your" refer to the Buyer and Co-Buyer, if any. The words "we," "us," and "our" refer to the Creditor named above
and any assignee of the Creditor,
HAY 31st" ?005
(Day) (Yr.)
CITY or nOYNTON BEACH
, between
~;ATURN OF W.EST PAU1 DEACH
dated
(Buyer) and
Last Scheduled Payment. THIS CONTRACT IS NOT PAYABLE IN INSTALMENTS OF EQUAL AMOUNTS,
AN INSTALMENT OF $
'}) 959 311)
WILL BE DUE ON
JUNE 15ttL
(Day)
2Q108
(Mo.)
You may meet your obligation to make this last scheduled payment by choosing one of the following options:
1. You may pay the last scheduled payment on its due date; or
(Yr.)
2. You may, if you have met each of the conditions in the paragraph below entitled "Your Option to Sell":
a. sell the vehicle to the Creditor and have the Sale Price applied to the last scheduled payment; and,
b. pay the Creditor the difference between the Sale Price and the last scheduled payment.
Your Option to Sell. You have the option to sell the vehicle to the Creditor on the due date of the last scheduled payment at the Sale Price.
The Sale Price will be the amount of the last scheduled payment: (A) less a $250 disposition fee; (B) less any Excess Wear and Tear
Deduction; and, (C) less any Excess Mileage Deduction. You have this option only if each of the following conditions is met:
1. You drive the vehicle as directed to a specified place so that the Creditor may make a preliminary appraisal of the vehicle's condition;
2. You have not broken any of your agreements under the Contract, including your agreement t6 keep the vehicle free from all liens and
encumbrances other than the Creditor's lien;
3. You have paid the Creditor all amounts owing under the Contract except for the amount of the last scheduled payment;
4. You deliver the vehicle to the Creditor on the due date of the last scheduled payment (or the following business day) at a place designated
by the Creditor;
5. You pay the Creditor on the due date of the last scheduled payment the difference between the Sale Price and the last scheduled payment;
3. You have serviced the vehicle as described in the Owner's Manual and in the Maintenance Schedule folder and as the manufacturer
requests in any recall campaign; and
7. You have not altered the vehicle without obtaining the prior written permission of the Creditor.
if you exercise this option, you will sign and deliver all documents that may be needed to transfer title to the vehicle to the Creditor.
Excess Wear and Tear Deduction. The Excess Wear and Tear Deduction used to figure the Sale Price will be the amount the Creditor
3stimates it would cost to make all repairs to the vehicle that are not the result of normal wear and tear, whether or not the Creditor makes the
'epairs. These costs include, but are not limited to, the amount it would cost to repair or replace: (a) glass that is damaged or that you have
inted; (b) damaged body, fenders, metal work, lights, trim or paint; (c) missing equipment that was in the vehicle when delivered and has not
Jeen replaced with equipment of equal quality and design; (d) missing wheel covers, jack or wheel wrench; (e) missing or unsafe wheels or
ires (including spare; snow tires are not acceptable); (f) any tire with less than 1/8 inch of tread remaining at the shallowest point; (g) torn,
jamaged, or stained dash, floor covers, seats, headliners, upholstery, interior work or trunkliners; (h) any mechanical damage or other condition
hat causes the vehicle to operate in a noisy, rough, improper, unsafe, or unlawful manner; (I) any other damage; and, (j) any other costs
'equired to restore the vehicle to saleable condition.
ndependent Appraisal. If you disagree with the Excess Wear and Tear Deduction, you may obtain at your own expense a. professional
~ppraisal of the vehicle's value. The appraiser must be an independent third party acceptable to both you and the Creditor. If you choose to
Jbtain a professional appraisal, the Sale Price will be the lesser of: (1) the amount of the last scheduled payment as shown in the payment
;chedule, minus the $250 disposition fee; or (2) the appraised value of the vehicle minus the $250 disposition fee.
::xcess Mileage Deduction. The Excess Mileage Deduction used to figure the Sale Price will be \!e-) ,}., U it per mile for each mile
.-? /, l .1." " - '.'
.: Ie '.. t- '...
he vehicle is driven over
,I miles.
\,/ n-)
..~v
r,1
3uyer Signs
'j
1''/ I ./")
1 . jl~-o{ I i .#~-
",JfA.l../\.j ( /,/" .,t,...v;...e.-'- '_.~"_d"
, j,' .
Co-Buyer Signs
)ther owner signs
(:1 T1 ()ji' BOYNTON BEACH
~reditor Signs
By
Tille
3MAC SB-TRAD-NRO (6-2004)
~::l\TURN OF WEST PALM BEACH
DUPLICATE ORIGINAL - BUYER'S COpy
RETAIL INSTALMENT SALE CONTRACT
GMAC FLEXIBLE FINANCE PLAN
Dealer Number
Contract Number
CreditQr($ell~r nam;e aDd 1,id~ress)
, - '~-.~ "". :. : : . - ,- - _ i' ',.,;
-" '_. ',._. v .
B~~er (~nd90-Buyer);- ~me !il)d address (include county and zip code)
~--"
MOhth'ofbirth of registered owner"
You, the Buyer (and Co-Buyer, if any), may buy the vehicle described below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit
under the agreements on the front and back of this contract. You agree to pay us, the Creditor, the Amount Financed and Finance Charge according to the
payment schedule shown below. We will figure the Finance Charge on a daily basis.
New or Used Year Vehicle Identification No. Primary Use for Which Purchased
, 0 personal, family, or household 0 agricultural
o business 0
Your trade-in is a:
Year
Make
Model
FEDERAL TRUTH-IN-LENDlNG DISCLOSURES
ANNUAL
PERCENTAGE
RATE
The cost of your
credit as a yearly
rate.
FINANCE
CHARGE
The dollar
amount the
credit will cost
you.
Amount
Financed
The amount of
credit provided to
you or on your
behalf.
Total of Payments
The amount you
will have paid after
you have made all
payments as
scheduled.
Total Sale Price
The total cost of
your purchase on
credit, including
your do~npaYrne,nt
of$ . ;;< "',' is
$ ;.,..
% $
Your Payment Schedule Will Be:
Number Amount
of Payments of Payments
$
When Payments
Are Due
Oras
Follows
Late Charge. If a payment is not received in full within 10 days after it is due, you will pay a late
charge of 5% of the part of the payment that is late.
Prepayment. If you payoff all your debt early, you will not have to pay a penalty.
Security Interest. You are giving a security interest in the vehicle being purchased.
Additional Information:. See this contract for more informati()O including information; about
nonpayment, default, any required repayment in full before the scheduled date, and security interest.
ITEMIZATION OF AMOUNT FINANCED
1 Cash price (including any accessories, services,
and taxes)
2 Total downpayment =
Grass trade-in $
= net trade-in $
+ other (describe)
3 Unpaid balance of cash price (1 minus 2)
4 Other charges including amounts paid to others on your behalf (Seller may
keep part of these amounts,):
A Cost of optional credit insurance paid to the insurance
company or companies
Li~ $
Disability $" ,
B Other insurance paid to the insurance company
C Official fe~s paid to government agencies
(describe)
$
;(1 )
(If negative enter 'O"and see line 41 below)
- payoff by seller $
+ cash $
$
$
$
/(2)
'(3)
$
$
f -.: "_. ~ f"~
D Government license and/or registration fees
(describe)
$
Insurance. You may buy the physical damage
insurance this contract requires (see back) from
anyone you choose who is acceptable to us. Your
choice of insurance providers will not affect our
decision to sell or extend credit to you. You are not
required to buy any other insurance to obtain credit.
Your decision to buy or not buy other insurance will
not be a factor in the credit approval process.
If any insurance is checked below, policies or
certificates from the named insurance companies will
describe the terms and conditions,
Check the insurance you want and sign below:
Optional Credit Insurance.
o Credit Life: 0 Buyer 0 Co-Buyer 0 Both
Term
o Credit Disability (Buyer Only)
Term
Premium:
Credit Life $
Credit Disability $
(Insurance Company)
(Home Office Address)
Credit life insurance and credit disability insurance
are not required to obtain credit. Your decision to
buy or not buy credit life insurance and credit
disability insurance will not be a factor in the credit
approval process. They will not be provided unless
you sign and agree to pay the extra cost. Credit life
insurance pays only the amount you would owe if
you paid all your payments ori time. Credit disability
insurance does not cover any increase in your
payment or in the number of payments,
If the box above is checked to indicate that you
want credit life insurance, please read and sign the
following acknowledgements:
1, You understand that you have the option of
assigning any other policy or poliCies you own or
may procure for the purpose of covering this credit
and that you do not have to purchase this credit life
insurance policy in order to obtain the credit.
X
Buyer Signature
X
Co-Buyer Signature
Date
Date
$
$
(4)
(5)
_. ........ ....I.......I~"'"'II...., "leu L11'l:O \.oICUIL lilt; l,;VVl::ldye you
are purchasing may be deferred if, at the time of this
application, you are unable to engage in
employment or unable to perform normal activities
of a person of your like age and sex. (You do not
have to sign this acknowledgement if the proposed
credit life insurance policy does not contain this
restriction.)
X
Buyer Signature Date
X
Co-Buyer Signature Date
3. You understand that the benefits under this credit
life insurance policy will 0 will not 0 terminate when
you reach a certain age and you verify that your age
is accurately represented on the application or
policy.
X
Buyer Signature Date
X
Co-Buyer Signature Date
Other Insurance.
0
Type of Insurance Term
Premium $
(Insurance Company)
(Home Office Address)
I want the insurance checked above.
X
Buyer Signature Date
X
Co-Buyer Signature Date
ANY INSURANCE REFERRED TO IN THIS
CONTRACT DOES NOT INCLUDE COVERAGE
FOR BODilY INJURY AND PROPERTY
DAMAGE CAUSED TO OTHERS.
$
E Government documentary stamp taxes $
F Government taxes not included in cash price
(describe)
$
G Government certificate of title fees
(including $ security interest recording fee) $
H Other charges (Seller must identify who is paid and
describe purpose.)
to
to
to
to
to
to
Net trade- in payoff to
for
for
for
for
for
for
. "/ $
$
$
$
$
$
$
Total other charQes and amounts paid to others on your behalf
5 Amount financed (3 + 4)
HOW THIS CONTRACT CAN.. BE CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to the
contract. must be in \writing~ an?""1(8 must sign it. No oral changes are binding,
Buyer SIgns X'.;.i;;;' j'. ; r ;".>/."",. <.-- . .....- Co-Buyer Signs X
If any part of this contract is not valid, all other parts stay valid. We may delay or refrain from enforcing any of our rights under this contract without losing them.
For example, we may extend the time for making some payments without extending the time for making others.
See back for other important agreements.
Notice to the Buyer
(a) Do not sign this contract before you read it or if it contains any blank spaces.
(b) You are entitled to an exact copy of the contract you sign. Keep it to protect your legal rights.
The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right
to receive a part of the finance charge.
You agree to the terms of this contract. You confirm that before you signed this contract, we gave it to you, and you were free to take it and review it.
You confirm that you receivec:l a completely filled-in copy when you signed it.
'...--<. ."'
Buyer Signs X "'_u./' /7' '. " .:".-.-..."0_..... Datt;! Co-Buyer Signs X Date
Co-Buyers and Other Owners - A co-buyer is a person who is responsible for paying the entire debt. 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 in the vehicle given to us in this contract.
Other owner signs here X Date Address
Creditor Signs
By X
Date
Title
2109 FR-FL 8/2004 (For use in the State of Florida) (1 of 4) Notice: See Other Side
Copyright 2001 General Motors Acceptance Corporation. All Rights Reserved.
DlJPUCATE ORIGINAL - BUYER'S COpy
GMAC
FI NANCIAL SERVICES
SmartBuy"Y
Rider
New or Used
Year
Descri
Contract Number
Identification Number
u
200S
,)ATUHU
VUt l" i4D
'i- [\OVH S UV
5GZCZ33D15S65G693
BUYER'S LAST PAYMENT OPTIONS
This SmartBuySM Plan Rider ("Rider") is part of the contract relating to the credit sale of the motor vehicle described above ("Contract")
dated
t1AY 315t, 200~;
(Mo.)
(Creditor),
(Co-Buyer). All references t9 "this Contract" include this Rider.
(Day) (Yr.)
CITY Of BOYNTON BEACH
, between
~,I-i'1'tJ!W or \'./f;~;T PALN BEACH
(Buyer) and
Meaning of Words. Unless this Rider says otherwise, all words used in this Rider and the rest of this Contract have the same' meaning. In this
Rider, the words "you" and "your" refer to the Buyer and Co-Buyer, if any. The words "we," "us," and "our" refer to the Creditor named above
and any assignee of the Creditor. .,
Last Scheduled Payment. THIS CONTRACT IS NOT PAYABLE IN INSTALMENTS OF EQUAL AMOUNTS,
AN INSTALMENT OF $
9, 95':i. 3v)
WILL BE DUE ON
,.lUll!'; 15tl!,
(Day)
20108
(Mo.)
You may meet your obligation to make this last scheduled payment by choosing one of the following options:
1. You may pay the last scheduled payment on its due date; or
(Yr.)
2. You may, if you have met each of the conditions in the paragraph below entitled "Your Option to Sell":
a. sell the vehicle to the Creditor and have the Sale Price applied to the last scheduled payment; and,
b. pay the Creditor the difference between the Sale Price and the last scheduled payment.
Your Option to Sell. You have the option to sell the vehicle to the Creditor on the due date of the last scheduled payment at the Sale Price.
Tbe Sale Price will be the amount of the last scheduled payment: (A) less a $250 disposition fee; (B) less any Excess Wear and Tear
De'duction; and, (C) less any Excess Mileage Deduction. You have this option only if each of the following conditions is met:
1. You drive the vehicle as directed to a specified place so that the Creditor may make a preliminary appraisal of the vehicle's condition;
2. You have not broken any of your agreements under the Contract, including your agreement to keep the vehicle free from all liens and
encumbrances other than the Creditor's lien; , I
3. You have paid the Creditor all amounts owing under the Contract except for the amount of the last scheduled payment;
4. You deliver the vehicle to the Creditor on the due date of the last scheduled payment (or the following business day) at a place designated
by the Creditor;
5. You pay the Creditor on the due date of the last scheduled payment the difference between the Sale Price and the last scheduled payment;
6. You have serviced the vehicle as described in the Owner's Manual and in the Maintenance Schedule folder and as the manufacturer
requests in any recall campaign; and
7. You have not altered the vehicle without obtaining the prior written permission of the Creditor.
If you exercise this option, you will sign and deliver all documents that may be needed to transfer title to the vehicle to the Creditor.
Excess Wear and Tear Deduction. The Excess Wear and Tear Deduction used to figure the Sale Price will be the amount the Creditor
estimates it would cost to make all repairs to the vehicle that are not the result of normal wear and tear, whether or not the Creditor makes the
repairs. These costs include, but are not limited to, the amount it would cost to repair or replace: (a) glass that is damaged or that you have
tinted; (b) damaged body, fenders, metal work, lights, trim or paint; (c) missing equipment that was in the vehicle when delivered and has not
been replaced with equipment of equal quality and design; (d) missing wheel covers, jack or wheel wrench; (e) missing or unsafe wheels or
tires (including spare; snow tires are not acceptable); (f) any tire with less than 1/8 inch of tread remaining at the shallowest point; (g) torn,
damaged, or stained dash, floor covers, seats, headliners, upholstery, interior work or trunkliners; (h) any mechanical damage or other condition
that causes the vehicle to operate in a noisy, rough, improper, unsafe, or unlawful manner; (i) any other damage; and, (j) any other costs
required to restore the vehicle to saleable condition.
Independent Appraisal. If you disagree with the Excess Wear and Tear Deduction, you may obtain at your own expense a professional
appraisal of the vehicle's value. The appraiser must be an independent third party acceptable to both you and the Creditor, If you choose to
obtain a professional appraisal, the Sale Price will be the lesser of: (1) the amount of the last scheduled payment as shown in the payment
schedule, minus the $250 disposition fee; or (2) the appraised value.,Of the vehicle minus the $250 disposition fee. ' ,
Excess Mileage Deduron. T~'7"ces~ MHe~ D~: ""ed 10 h9cce Ihe Sale Pclce will be -:;lQ ~'? pec mHe foe each mHe
the vehicle is driven o'f3r ,.::1.0 CQ~~ ~.J::Pifus.
,
~~
Buyer Signs
')
~&.~
Co-Buyer Signs
Other owner signs
:Tl'Y ,)t' BCnl'l'Orl BE.'\;;~H
Creditor Signs
M BEACU
~ATURN 0~ WEST PAL
By
Title
GMAC SB-TRAD-NRO (6-2004)
DUPLICATE ORIGINAL - BUYER'S COpy
RETAIL INSTALMENT SALE CONTRACT
GMAC FLEXIBLE FINANCE PLAN
Dealer Number
Contract Number
,~.!:Iy~r (and Co-,~~,x~!l-,Na:m.!.c:~~ address (include county and zip code)
1,.;1Tf \)1" BUINiO'1': l~lUl,-b
g'0 E BOYNTON BeH I;LJD 130,;;3 lIZ
R{}Y~lT05'! BEA:~rr ~ FL 2 ,~ ,2:.
Creditor (Seller name and address)
SATUPF OF WED! PALM
i22v~ i~\J.R't'~I l1IIIT~_P_Y
1~ r:~~~r 'r t t~f!jEl~ rIj . ;.--r
lIEAG(
1'r1AIt
3,'3409
lM'bh'tl; J6;~~;df registered owner
You, the Buyer (and Co-Buyer, if any), may buy the vehicle described below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit
under the agreements on the front and back of this contract. You agree to pay us, the Creditor, the Amount Financed and Finance Charge according to the
payment schedule shown below, We will figure the Finance Charge on a daily basis.
New or Used Year Weight (Ibs.) Make and Model Vehicle Identification No. Primary Use for Which Purchased
SAIUfiN o personal, family, or household o agricultural
NE1,-i 21D05 Qi VUE FWD GZCZ33D1SSS56534 Xib business 0
Your trade-in is a:
Year
Make
FEDERAL TRUTH-iN-LENDING DISCLOSURES
ANNUAL
PERCENTAGE
RATE
The cost of your
credit as a yearly
rate.
Amount
Financed
The amount of
credit provided to
you or on your
behalf.
Total of Payments
The amount you
will have paid after
you have made all
payments as
scheduled.
FINANCE
CHARGE
The dollar
amount the
credit will cost
you.
185.56 $
21~9}2.(A $
22 ~ 158. 2~~
.:56% $
Your Payment Schedule Will Be:
Number Amount
of Payments of Payments
35 $ 348. S4 Monthly beginning
ONE 9,959.3w DUE ON
When Payments
Are Due
1/1.5/2005
6/1S/200B
Model
Total Sale Price
The total cost of
your purchase on
credit, including
your down payment
of $ 'i, it'"~~ . 0Qiis
$ 23~15b.2(,.1
Or as
Follows
Late Charge. If a payment is not received in full within 10 days after it is due, you will pay a late
charge of 5% of the part of the payment that is late,
Prepayment. If you payoff all your debt early, you will not have to pay a penalty.
Security Interest. You are giving a security interest in the vehicle being purchased.
Additional Information: See this contract for more information including information about
nonpayment, default, any required repayment In full before the scheduled date, and security interest.
ITEMIZATION OF AMOUNT FINANCED
1 Cash price (including any accessories, services,
and taxes) ,$
2 Total down payment = (If negative enter '0' and see line 41 below)
Grass trade-in $ N i..\ - payoff by seller $ t'i / 1\
= net trade-in $ ;'1/,; +cash $ N / A
+ other (describe) GM HOT U $,~ , ,t\lJ~j, 't)($
3 Unpaid balance of cash price (1 minus 2) $
4 Other charges including amounts paid to others on your behalf (Seller may
keep part of these amounts.):
A Cost of optional credit insurance paid to the insurance
company or companies
Life $ NU,
Disability $ 1>1/ A $ N/ ,\
B Other insurance paid to the insurance company $ 1'-1 ! j
C Official fees paid to government agencies
(describe)
TIF~ FEli 5.00
BATT :FE1~
1.S@
1.1~V.,.~~ T_~7-~
~~00
$
D Government license and/or registration fees
(describe)
22. n7-_H~)
; . Q)!.i)0 , f!j(,1.)
n,?87.1(B)
.... ~d
Insurance. You may buy the,.ph1Sical damage
insurance this contract requires Jsee back) from
anyone you choose who is acceptable to us. Your
choice of insurance providers will not affect our
decision to sell or extend credit to you. You are not
required to buy any other insurange to obtain credit.
Your decision to buy or not buy other insurance will
not be a factor in the credit approval process.
If any insurance is c:j:yeZ~d. below, policies or
certificates from the named insurance companies will
describe the terms and conditions,
Check the insurance you want and sign below:
Optional Credit Insurance.
o Credit Life: 0 Buyer D Co-Buyer D Both
Term
o Credit Disability (Buyer Only)
Term
Premium:
Credit Life $
Credit Disability $
') ,-' IJ
~' (li'rSurance 9.,pp}fany)
!ilIA
Nf [,
Nu\.
(Home Office Address)
Credit life insurance and credit'disability insurance
are not required to obtain credit. Your decision. to
buy or not buy credit life insurance and credit
disability insurance will not be a factor in the credit
approval process, They will not be provided unless
you sign and agree to pay the extra cost. Credit life
insurance pays only the amount you would owe if
you paid all your payments on time. Credit disability
insurance does not cover any increase in your
payment or in the number of payments.
If the box above is checked to indicate that you
want credit life insurance, please read and sign the
following acknowledgements:
1. You understand that you have the option of
assigning any other policy or policies you own or
may procure for the purpose of covering this credit
and that you do not have to purchase this credit life
insurance policy in order to obtain the credit.
X
BUyer Signature
Date
X
Co-Buyer Signature Date
2. You understand that the credit life coverage you
::IrA nllrr.h::l~inn m::lv hA rlAfArrArl if ::II IhA limp nf Ihi~
$
D Government license and/or registration fees
(describe)
iI!~
$
E Government documentary stamp taxes $
F Government taxes not included in cash price
(describe)
':.~
$
G Government certificate of title fees
(including $ oN / A security interest recording fee) $
H Other charges (Seller must identify who is paid and
describe purpose.)
to i::;,RJ Ul.<.N
;_; f
to
to
to
to
to
Net trade- in payoff to
f6r
for
for
for
for
for
i~iGS " ./
<.j b } (Dt.5~5 $-'. t ~
Gii!(i) r"t
$
$
$
$
$
$
~'.o .~
<\. ~ j -,
Nt' .(
,< :.';
i'>1.; .'!
1~~ ; f,.
;',:,. ."
Total other charges and amounts paid to others on your behalf
5 Amount financed (3 + 4)
$
$
U:<: . cf4 )
r) 7;<. \:O'{5)
Buyer Signature Date
X
Co-Buyer Signature Date
2. You understand that the credit life coverage you
are purchasing may be deferred if, at the time of this
application, you are unable to engage in
employment or unable to perform normal activities
of a person of your like age and sex. (You do not
have to sign this acknowledgement if the proposed
credit life insurance policy does not contain this
restriction. )
X
Buyer Signature Date
X
Co-Buyer Signature Date
3. You understand that the benefits under this credit
life insurance policy will 0 will not 0 terminate when
you reach a certain age and you verify that your age
is accurately represented on the application or
policy.
X
Buyer Signature Date
X
Co-Buyer Signature Date
Other Insurance.
0
Type of Insurance Term
Premium $ tJ <' i~
(Insurance Company)
(Home Office Address)
I want the insurance checked above.
X
Buyer Signature Date
X
Co-Buyer Signature Date
ANY INSURANCE REFERRED TO IN THIS
CONTRACT DOES NOT INCLUDE COVERAGE
FOR BODILY INJURY AND PROPERTY
DAMAGE CAUSED TO OTHERS.
HOW THIS CONTRACT CAN BE CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to the
contract must be in writiqgimd we f7'1tlst sign it. No oral changes are binding.
B S. X '" .... -~ CBS' X
uyer Igns ../f' ,< t:: . , r to; c.J..!.. ,,} ..6.;<.- ,r;__=,.., 0- uyer Igns
-..... .; ,
If any part of this contract is not ~1ilid, all other parts stay valid. We may delay or refrain from enforcing any of our rights under this contract without losing them.
For example, we may extend the time for making some payments without extending the time for making others.
See back for other important agreements.
Notice to the Buyer
(a) Do not sign this contract before you read it or if it contains any blank spaces.
(b) You are entitled to an exact copy of the contract you sign. Keep it to protect your legal rights.
The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right
to receive a part of the finance charge.
You agree to the terms of this contract. You confirm that before you signed this contract, we gave it to you, and you were free to take it and review it.
You confirm that you received a completely filled-in copy when you signed it.
.
Buyer Signs X " '.;' ",.0: ,',' 'r.'" . r- ,Bate ;'':'):' Co-Buyer Signs X Date
Co-Buyers and Other owners"- A co-buyer is a person who is responsible for paying the entire debt. 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 in the vehicle given to us in this contract.
Other owner signs here X
Date
Address
r~i;'~C~.
'." , Date
Creditor Signs
f" ':i. . r r ~.~~'_ t~
By X
Title
't -.t,"
GMAC
FINANCIAL SERVICES
SmartBuy'"
Rider
3 j- II
Dealer Number
Contract Number
Identification Number
New or Used
Year
Descri
,) I"" ;0'
:,: "-',' !' ~'l ~
l ()
BUYER'S LAST PAYMENT OPTIONS
... > <"~,~......-",....
This SmartBuySM Plan Rider ("Rider") is part of the contract relating to the credit sale of the motor vehicle described above ("Contract")
tlAY 31St., 20f/J'j SATURN OF \f'iST PALM BEACH
, between
(Day) (Yr.)
CnY Of BOYNTON BEACH
dated
(Mo.)
(Creditor),
(Co-Buyer). All references to "this Contract" include this Rider.
Meaning of Words. Unless this Rider says otherwise, all words used in this Rider and the rest of this Contract have the same meaning. In this
Rider, the words "you" and "your" refer to the Buyer and Co-Buyer, if any. The words "we," "us," and "our" refer to the Creditor named above
and any assignee of the Creditor.
(Buyer) and
Last Scheduled Payment. THIS CONTRACT IS NOT PAYABLE IN INSTALMENTS OF EQUAL AMOUNTS,
AN INSTALMENT OF $
9'j959.3€h
WILL BE DUE ON
,JUNE
15t.Jl)
c~q;ftlg
(Mo.)
You may meet your obligation to make this last scheduled payment by choosing one of the following options:
1. You may pay the last scheduled payment on its due date; or
(Day)
(Yr.)
2. You may, if you have met each of the conditions in the paragraph below entitled "Your Option to Sell";
a. sell the vehicle to the Creditor and have the Sale Price applied to the last scheduled payment; and,
b. pay the Creditor the difference between the Sale Price and the last scheduled payment.
Your Option to Sell. You have the option to sell the vehicle to the Creditor on the due date of the last scheduled payment at the Sale Price.
The S~le Price will be the amount of the last scheduled paymen!: (A). less a $~50 disposition f~.W~..;d..~SS a~y Excess .Wear and Tear
Deduction; and, (C) less any Excess Mileage Deduction. You have this option only If each of the foIl6W''19:,l';(1!;J,ernOns IS met:
1. You drive the vehicle as directed to a specified place so that the Creditor may make a preliminary ap~rClisal of the vehicle's condition;
2. You have not broken any of your agreements under the Contract, including your agreement to keep the vehicle free from all liens and
encumbrances other than the Creditor's lien;
3. You have paid the Creditor all amounts owing under the Contract except for the amount of the la~Jt~C:;,;?:c!~led payment;
4. You deliver the vehicle to the Creditor on the due date of the last scheduled payment (or the following business day) at a place designated
by the Creditor;
5. You pay the Creditor on the due date of the last scheduled payment the difference between the Sale Price and the last scheduled payment;
6. You have serviced the vehicle as described in the Owner's Manual and in the Maintenance Schedule folder and as the manufacturer
requests in any recall campaign; and
7. You have not altered the vehicle without obtaining the prior written permission of the Creditor.
If you exercise this option, you will sign and deliver all documents that may be needed to transfer title to the vehicle to the Creditor.
Excess Wear and Tear Deduction. The Excess Wear and Tear Deduction used to figure the Sale Price will be the amount the Creditor
estimates it would cost to make all repairs to the vehicl~ that are not the result of normal wear and tear, whether or not the Creditor makes the
repairs. These costs include, but are not limited to, the amount it would cost to repair or replace: (a) glass that is damaged or that you have
tinted; (b) damaged body, fenders, metal work, lights, trim or paint; (c) missing equipment that was in the vehicle when delivered and has not
been replaced with equipment of equal quality and design; (d) missing wheel covers, jack or wheel wrench; (e) missing or unsafe wheels or
tires (including spare; snow tires are not acceptable); (f) any tire with less than 1/8 inch of tread remaining at the shallowest point; (g) torn,
damaged, or stained dash, floor covers, seats, headliners, upholstery, interior work or trunkliners; (h) any mechanical damage or other condition
that causes the vehicle to operate in a noisy, rough, improper, unsafe, or unlawful manner; (i) any other damage; and, (j) any other costs
required to restore the vehicle to saleable condition.
Independent Appraisal. If you disagree with the Excess Wear and Tear Deduction, you may obtain at your own expense a professional
appraisal of the vehicle's value. The appraiser must be an independent third party acceptable to both you and the CJeditor. If you choose to
obtain a professional appraisal, the Sale Price will be the lesser of: (1) the amount of the last scheduled payment as shown in the payment
schedule, minus the $250 disposition fee; or (2) the appraised value of the vehicle minus the $250 disposition fee.
Excess Mileage Deduction. The Excess Mileage Deduction used to figure the Sale Price will be
the vehicle is driven over --:; ( "~~ CJ / miles.
\ .,,:,""1......._,
. I r
""'~ /
-.{" ()
,f/; per mile for each mile
-"~~'-)
I ,."!""-~"_
Y'\-._J
v'
Buyer Signs
.I /'
I / , /
/' -ttJI1 -, .-
"-tLv. " ,r"'\,J:t.~-.J~ ....-...._
Co-Buyer Signs
Other owner signs
;::rf'{ vI? nOYinori' BEACH
Creditor Signs
By
Title
GMAC SB-TRAD-NRO (~.._.;,2AQQ~1.... \T 0_'"
'fUR1-, "lfECT PALM Bli:ACH
DUPLICATE ORIGINAL - BUYER'S copy
RETAIL INSTALMENT SALE CONTRACT
GMAC FLEXIBLE FINANCE PLAN
_3..5'/0
Dealer Number
Contract Number
Buyer (and Co-Buyer) - Name and address (include county and zip code)
.. .' - . - '. , - . -
Creditor (Seller name and address)
", ,("1; "",< _." J'
Month of birth of registered owner
You, the Buyer (and Co-Buyer, if any), may buy the vehicle described below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit
under the agreements on the front and back of this contract. You agree to pay us, the Creditor, the Amount Financed and Finance Charge according to the
payment schedule shown below. We will figure the Finance Charge on a daily basis.
New or Used Year Make and Model Vehicle Identification No.
Primary Use for Which Purchased
o personal, family, or household 0 agricultural
o business 0
:'-f
,;. ..:
Your trade-in is a:
Year
Make
Model
FEDERAL TRUTH-IN-LENDING DISCLOSURES Insurance. You may buy the physical damage
ANNUAL FINANCE Amount Total of Payments Total Sale Price insurance this contract requires (see back) from
anyone you choose who is acceptable to us. Your
PERCENTAGE CHARGE Financed The amount you The total cost of choice of insurance providers will not affect our
RATE The dollar The amount of will have paid after your purchase on decision to sell or extend credit to you. You are not
The cost of your amount the credit provided to you have made all credit, including required to buy any other insurance to obtain credit.
credit as a yearly credit will cost you or on your payments as your downpayment Your decision to buy or not buy other insurance will
rate. you. behalf. scheduled. of$ j~. :'>" is not be a factor in the credit approval process.
" ; . : - . .. :' :-.
% $ $ $ $ If any insurance is checked below, policies or
Your Payment Schedule Will Be: certificates from the named insurance companies will
describe the terms and conditions.
Number Amount When Payments Or as
of Payments of Payments Are Due Follows Check the insurance you want and sign below:
-': $ ., ':" Monthly beginning
. .. ._~. , - Optional Credit Insurance.
- .: <- -:;T.. ':.
'-At;..; . - -:.
o Credit Life: o Buyer o Co-Buyer o Both
Late Charge. If a payment is not received in full within 10 days after it is due, you will pay a late Term
charge of 5% of the part of the payment that is late.
Prepayment. If you payoff all your debt early, you will not have to pay a penalty. o Credit Disability (Buyer Only)
Security Interest. You are giving a security interest in the vehicle being purchased. Term
Additional Information: See this contract for more information including information about Premium:
nonpayment, default, any required repayment in full before the scheduled date, and security interest. Credit Life $
Credit Disability $
;
ITEMIZATION OF AMOUNT FINANCED (Insurance Company)
(Home Office Address)
1 Cash price (including any accessories, services,
and taxes) $ _.~ . .,,(1 ) Credit life insurance and credit disability insurance
2 Total downpayment = (If negative enter '0' and see line 41 below) are not required to obtain credit. Your decision to
Grass trade-in $ , , - payoff by seller $ buy or not buy credit life insurance and credit
= net trade-in $ + cash $ disability insurance will not be a factor in the credit
approval process, They will not be provided unless
+ other (describe), , $ . ' '...' $ .)(2) you sign and agree to pay the extra cost. Credit life
3 Unpaid balance of cash price (1 minus 2) $ . , (3) insurance pays only the amount you would owe if
you paid all your payments 6ntime. Credit disability
4 Other charges including amounts paid to others on your behalf (Seller may insurance does not cover any increase in your
keep part of these amounts.): payment or in the number of payments,
A Cost of optional credit insurance paid to the insurance
company or companies If the box above is checked
Life $ to indicate that you
Disability $ " $ ., want credit life insurance, please read and sign the
following acknowledgements:
B Other insurance paid to the insurance company $ :
C Official fees paid to government agencies 1. You understand that you have the option of
(describe) assigning any other policy or policies you own or
may procure for the purpose of covering this credit
and that you do not have to purchase this credit life
insurance policy in order to obtain the credit.
.
X
$ Buyer Signature Date
D ~~~~~~~?nt license and/or registration fees X
r.n_~II\/Pr ~inn::tlh irA nota
Total other charges and amounts paid to others on your behalf
5 Amount financed (3 + 4)
$
$
';/ (4)
(5)
1. You understand that you have the option of
assigning any other policy or policies you own or
may procure for the purpose of covering this credit
and that you do not have to purchase this credit life
insurance policy in order to obtain the credit.
X
Buyer Signature Date
X
Co-Buyer Signature Date
2. You understand that the credit life coverage you
are purchasing may be deferred if, at the time of this
application, you are unable to engage in
employment or unable to perform normal activities
of a person of your like age and sex, (You do not
have to sign this acknowledgement if the proposed
credit life insurance policy does not contain this
restriction. )
X
Buyer Signature Date
X
Co-Buyer Signature Date
3. You understand that the benefits under this credit
life insurance policy will 0 will noto terminate when
you reach a certain age and you verify that your age
is accurately represented on the application or
policy.
X
Buyer Signature Date
X
Co-Buyer Signature Date
Other Insurance.
0
Type of Insurance Term
Premium $ " :',
(Insurance Company)
(Home Office Address)
I want the insurance checked above.
X
Buyer Signature Date
X
Co-Buyer Signature Date
ANY INSURANCE REFERRED TO IN THIS
CONTRACT DOES NOT INCLUDE COVERAGE
FOR BODILY INJURY AND PROPERTY
DAMAGE CAUSED TO OTHERS.
C Official fees paid to government agencies
(describe)
$
D Government license and/or registration fees
(describe)
$
E Government documentary stamp taxes $
F Government taxes not included in cash price
(describe)
$
G Government certificate of title fees
(including $ security interest recording fee) $
H Other charges (Seller must identify who is paid and
describe p~rpose.)
to
to
to
to
to
to
Net trade- in payoff to
. '.for':'
for
for
for
for
for
$
$
$
$
$
$
$
HOW THIS CONTRACT CAN BE CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to the
contract must be in writing am:lwe must sign it. No oral changes are binding.
Buyer Signs X '> ':. ;";" -/ ,;~: Co-Buyer Signs X
If any part of this contract is not valid, all other parts stay valid. We may delay or refrain from enforcing any of our rights under this contract without losing them,
For example, we may extend the time for making some payments without extending the time for making others.
See back for other important agreements.
Notice to the Buyer
(a) Do not sign this contract before you read it or if it contains any blank spaces.
(b) You are entitled to an exact copy of the contract you sign. Keep it to protect your legal rights.
The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right
to receive a part of the finance charge.
You agree to the terms of this contract. You confirm that before you signed this contract, we gave it to you, and you were free to take it and review it.
You confirm that you ~eceived a completely filled-in copy when you signed it.
Buyer Signs X , , , Date Co-Buyer Signs X Date
Co-Buyers and Other Owners - A co-buyer is a person who is responsible for paying the entire debt. 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 in the vehicle given to us in this contract.
Other owner signs here X Date Address
Creditor Signs
Date
By X
Title
RETAIL INSTALMENT SALE CONTRACT
GMAC FLEXIBLE FINANCE PLAN
Dealer Number
Contract Number
Creditor (Seller name and Ciddress)
B~y'er (~ndCo~Buyer) - N,ame and address (include county and zip code)
'.'.". " l'
'/t.;r:' _ ~< ;:_;-- ;;,
iMdrith'otfJirt~:of registered owner
You, the Buyer (and Co-Buyer, if any), may buy the vehicle described below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit
under the agreements on the front and back of this contract. You agree to pay us, the Creditor, the Amount Financed and Finance Charge according to the
payment schedule shown below. We will figure the Finance Charge on a daily basis.
New or Used Year Weight (Ibs.) Make and Model Vehicle Identification No.
t:..;,....
li.-" ,,_,
Your trade-in is a:
Year
Make
Model
FEDERAL TRUTH-IN-LENDING DISCLOSURES
ANNUAL
PERCENTAGE
RATE
The cost of your
credit as a yearly
rate.
FINANCE
CHARGE
The dollar
amount the
credit will cost
you,
Amount
Financed
The amount of
credit provided to
you or on your
behalf.
Total of Payments
The amount you
will have paid after
you have made all
payments as
scheduled.
Total Sale Price
The total cost of
your purchase on
credit, including
your dow~paym~nt
of $ is
$
Your Payment Schedule Will Be:
Number Amount
of Payments of Payments
$
"""-'"
, 'J':'"
Or as
Follows
Late Charge. If a payment is not received in full within 10 days after it is due, you will pay a late
charge of 5% of the part of the payment that is late.
Prepayment. If you payoff all your debt early, you will not have to pay a penalty.
Security Interest. You are giving a security interest in the vehicle being purchased.
Additional Information: See this contract for more information including. information. about
nonpayment, default, any required repayment in full before the scheduled date, and security interest.
ITEMIZATION OF AMOUNT FINANCED
1. Cash price (including any accessories, services,
and taxes) $
2 Total downpayment = (If negative enter "0' (j,nd see line 4lbelow)
Grass trade-in $ - payoff by seller $
= net trade-in $ + cash $
+ other (describe) $
3 Unpaid balance of cash price (1 minus 2)
4 Other charges including amounts paid to others on your behalf (Seller may
keep part of these amounts.):
A Cost of optional credit insurance paid to the insurance
company or companies
L~ $
Disability $ $
B Other insurance paid to the insurance company $
C Official fees paid to government agencies
(describe)
'(1 )
(2)
.1,(3)
$
D Government license and/or registration fees
(describe)
Primary Use for Which Purchased
o personal, family, or household 0 agricultural
.; 0 business 0
Insurance. You may buy the physical damage
insurance this contract requires (see back) from
anyone you choose who is acceptable to us. Your
choice of insurance providers will not affect our
decision to sell or extend credit to you. You are not
required to buy any other insurance to obtain credit.
Your decision to buy or not buy other insurance will
not be a factor in the credit approval process.
If any insurance is checked below, policies or
certificates from the named insurance companies will
describe the terms and conditions.
Check the insurance you want and sign below:
Optional Credit Insurance.
o Credit Life: 0 Buyer 0 Co-Buyer 0 Both
Term
o Credit Disability (Buyer Only)
Term
Premium:
Credit Life $
Credit DisabiHty $ " . ,
(Insurance COmpany)
(Home Office Address )
Credit life insurance and credit disability insurance
are not required to obtain credit. Your decision to
buy or not buy credit life insurance and credit
disability insurance will not be a factor in the credit
approval process, They will not be provided unless
you sign and agree to pay the extra cost. Credit life
insurance pays only the amount you would owe if
you paid atry6ur payments on lime. Credit disability
insurance does not cover any increase in your
payment or in the number of payments.
If the box above is checked to indicate that you
want credit life insurance, please read and sign the
following acknowledgements:
1. You understand that you have the option of
assigning any other policy or policies you own or
may procure for the purpose of covering this credit
and that you do not have to purchase this credit life
insurance policy in order to obtain the credit.
X
Buyer Signature
X
Co-Buyer Signature
Date
Date
Total other charges and amounts paid to others on your behalf
5 Amount financed (3 + 4)
$
$
(4)
, (5)
L. I UU UlIUl;lI::ili:HIU llli:tl U)l;l Grt:lUII lITe coverage you
are purchasing may be deferred if, at the time of this
application, you are unable to engage in
employment or unable to perform normal activities
of a person of your like age and sex. (You do not
have to sign this acknowledgement if the proposed
credit life insurance policy does not contain this
restriction. )
X
Buyer Signature Date
X
Co-Buyer Signature Date
3. You understand that the benefits under this credit
life insurance policy will 0 will noto terminate when
you reach a certain age and you verify that your age
is accurately represented on the application or
policy.
X
Buyer Signature Date
X
Co-Buyer Signature Date
Other Insurance.
0
Type of Insurance Term
Premium $
(Insurance Company)
(Home Office Address)
I want the insurance checked above,
X
Buyer Signature Date
X
Co-Buyer Signature Date
ANY INSURANCE REFERRED TO IN THIS
CONTRACT DOES NOT INCLUDE COVERAGE
FOR BODlL Y INJURY AND PROPERTY
DAMAGE CAUSED TO OTHERS.
$
E Government documentary stamp taxes $
F Government taxes not included in cash price
(describe)
$
G Government certificate of title fees
(including $ security interest recording fee) $
H Other charges (Seller must identify who is paid and
describe purpose.)
to
to
to
to
to
to
Net trade- in payoff to
for
for
for
for
for
for
$
$
$
$
$
$
$
HOW THIS CONTR.ACT CAN ~E CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to the
contract must be in writing and we must sign it. No oral changes are binding.
Buyer Signs X .,) !.Ie):, . 1.-, :(":,--"- Co-Buyer Signs X
If any part of this contract is not valid, all other parts stay valid. We may delay or refrain from enforcing any of our rights under this contract without losing them.
For example, we may extend the time for making some payments without extending the time for making others.
See back for other important agreements.
Notice to the Buyer
(a) Do not sign this contract before you read it or if it contains any blank spaces.
(b) You are entitled to an exact copy of the contract you sign. Keep it to protect your legal rights.
The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right
to receive a part of the finance charge.
You agree to the terms of this contract. You confirm that before you signed this contract, we gave it to you, and you were free to take it and review it.
You confirm that you re(:eived a completely filled-in copy when you signed it.
~. ~
",---,,"
Buyer Signs X ", " ". .." .' 7 ..'. -.,... . Date Co-Buyer Signs X Date
Co-Buyers and Other Owners - A co-buyer is a person who is responsible for paying the entire debt. 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 in the vehicle given to us in this contract
Other owner signs here X
Creditor Signs
Date
Address
Date
By X
Title
Z109 FR-FL 8/2004 (For use in the State of Florida) (1 of 4) Notice: See Other Side
COPyright 2001 General Motors Acceptance Corporation. All Rights Reserved.
DUPUC,UE ORIGiNAL - BUYER'S COpy
GMAC
FINANCIAL SERVICES
SmartBuy"M
Rider
New ar Used
Year
Descri
I i31.H,
Contract Number
Identificatian Number
'~ ..~, q. c:;
<.~ l,,:rj l,~
, f ~ j t.~:
Sf'l ('I) ;:ITl S':~ 6 5'16 4j
Milea e an Odameter
f /"--
(C) · Jr-~J
BUYER'S LAST PAYMENT OPTIONS
This SmartBuySM Plan Rider ("Rider") is pa'rt af the cantract relat[ng to. the credit sale af the matar vehicle described abave ("Cantract")
dated
~L~Y jl:~tr 2~05
, between
SNfURU Of WEST PktH BEACH
(Mo.)
(Creditar),
(Co.-Buyer). All references to "this Cantract" include this Rider.
(Day)
(Yr.)
6eA;~li
(Buyer) and
Cl;-'Y ;)l~' BC1Yl-rJ'l)N
Meaning of Words. Unless this Rider says atherwise, all words used in this Rider and the rest of this Cantract have the same meaning. In this
Rider, the wards "yau" and "yaur" refer to. the Buyer and Co.-Buyer, if any. The wards "we," "us," and "aur" refer to. the Creditar named abave
and any assignee of the Creditar.
Last Scheduled Payment. THIS CONTRACT IS NOT PAYABLE IN INSTALMENTS OF EQUAL AMOUNTS,
AN INSTALMENT OF $
'3: 9~)~.~. j0
WILL BE DUE ON
JUi:{r~ l~jti:.. ~:~)0<3
(Mo.)
Yau may meet yaur abligatian to. make this last scheduled payment by chaasing one of the fallowing options:
1. Yau may pay the last scheduled payment an its due date; ar
2, Yau may, if you have met each of the canditions in the paragraph belaw entitled "Yaur Optian to Sell":
a. sell the vehicle to the Creditar and have the Sale Price applied to the last scheduled payment; and,
b. pay the Creditar the difference between the Sale Price and the last scheduled payment.
(Day)
(Yr.)
Your Option to Sell. Yau have the option to sell the 'vehicle to the Creditor on the due date of the last scheduled payment at the Sale Price.
The Sale Price will be the amount af the last scheduled payment: (A) less a $250 dispasitian fee; (B) less any Excess Wear and Tear
Deductian; and, (C) less any Excess Mileage Deductian. Yau have this aptian anly if each af the fallawing conditians is met:
1. Yau drive the vehicle as directed to. a specified place sa that the Creditar may make a preliminary appraisal af the vehicle's canditian;
2. Yau have nat braken any af yaur agreements under the Cantract, including yaur agreement to. keep the vehicle free fram all liens and
encumbrances other than the Creditar's lien;
3. Yau have paid the Creditar all amaunts awing under the Cantract except far the amaunt af the last scheduled payment;
4. You deliver the vehicle to. the Creditor on the due date of the last scheduled payment (or the fallowing business day) at a place designated
by the Creditar;
5. Yau pay the Creditar an the due date af the last scheduled payment the difference between the Sale Price and the last scheduled payment;
6. You have serviced the vehicle as described in the Owner's Manual and in the Maintenance Schedule folder and as the manufacturer
requests in any recall campaign; and
7. You have not altered the vehicle withaut abtaining the prior written permission of the Creditar,
If yau exercise this aption, yau will sign and deliver all dacuments that may be needed to transfer title to the vehicle to. the Creditar.
Excess Wear and Tear Deduction. The Excess Wear and Tear Deductian used to. figure the Sale Price will be the amaunt the Creditar
estimates it wawl'd cast to. make all repairs to. the vehicle that are nat the result of narmal wear and tear, whether ar nat the Creditar makes the
repairs. These costs include, but are not limited to., the amaunt it wauld cast to. repair ar replace: (a) glass that is damaged or that yau have
tinted; (b) damaged bady, fenders, metal wark, lights, trim ar paint; (c) missing equipment that was in the vehicle when delivered and tfas nat
been replaced with equipment af equal quality and design; (d) missing wheel cavers, jack ar wheel wrench; (e) missing ar unsafe wheels ar
tires (including spare; S(lOW tires are not acceptable); (f) any tire ,with less than 1/8 inch of tread remaining at the shallowest paint; (g) torn,
damaged, ar stained dash, floar cavers, sea.ts, headliners, uphalstery, interiar wark ar trunkliners; (h) any mechanicaf damage'ar atl'ter canaition
that causes the venicle to. aperate in a naisy, rough, impraper, unsafe, ar unlawful manner; (i) any ather damage; and, (j) any ather casts
required to. restore'the vehicle to. saleable candition,
Independent Appraisal. If yau disagree with the Excess Wear and Tear Deductian, yau may abtain at yaur awn expense a professianal
appraisal af the vehicle's value. The appraiser must be an independent third party acceptable to bath yau and the Creditar. If yau chaase to.
abtain a prafessianal appraisal, the Sale Price will be the lesser af: (1) the amaunt af the last scheduled payment as shawn in the payment
schedule, minus the $250 dispasitian fee; ar (2) the appraised value af the vehicle minus the $250 dispasitioQ !~e.
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Excess Mileage Deduction. The Excess ~ileage Deduction used to. figure the Sale Price will be
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the vehicle IS dnven over -- >;-',/ 1,K-) I .' miles
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Co-Buyer Signs
Other owner signs
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Creditor Signs By
Title
GMAC SB-TRAD-NRO (6-2g9:\hHW IT l,!C:T P il,LM nf:!\(;i!
DUPLICATE ORIGINAL - BUYER'S COPY
MAY-26-2005 11 :59AM
FROM-SATURN
OTHER IMPORTANT AGREEMENTS
1. FINANCE CHARGE AND PA VNENTS
8. How we will figure Finance Charge. The Finance Charge is figured
on a daily basis at the Annual Percentage Rate on tha unpaid part of
the Amount Financecl.
b. How we will apply payments. We will apply each payment first to the
earned and unpaid pan: ot the Finance Charge. and then to the unpaid
part of the Amount Financed.
c. How tale payments or early payments change INhat you must pay.
We based the Finance Charge, TOIaI of PaymentS, and Total Sale
PrlO$ shown on the front on the assumption that you will malle every
payment on the day it is due. "four Finance Charge, Total at Payments,
and Total Sale Price will be more if you pay late and less if you pay
early. Changes may taj(e the form at a larger or smaller final payment
or, at our opllon, more or fewer payments of the same amount as your
scheduled payment with a smaller final payment, We will send you a
notice telling you about these changes before the final scheduled
paymem is dUe.
2. YOUR OTHER PROMISES TO US
II. If the vehicle Is damaged, desU'oyed, or missing. You agree to pay
us all you owe under this contract even if the vehicle is damaged,
deStroyed. or missing.
,slng the vehicle. You agree not to remove the vehicle from me U.s. '
or Canada. or to sell, rent, lease, or transfer any interest in the vehicle
or this contract without our written permission. You agree nor 10 expose
the vehicle to misuse, seizure, confiscation, or involuntary transfer. If .
w~ pay any repair bills, storaga bills. tal"~S, fines, or charges on the
vehicle. you agree to repay the amount when we ask for it.
e. Security interesL You gille us a security interest in:
1. The vehicle and all parts or goods installed in it;
2. All money or goods received (proceeds) .for the vehicle; .
3. All Insurance, maintenance, service, or other conll'adS we finance
for you; and
4. All proceedS from Insurance, maintenance. service, or other
contral:CS we finance fOr you. This includeS any refunds of
premiums or charges from me contracts.
This secure!: payment of all you owe on this contract. It also secures
your other agreements in this contract. You will make sure the title
shows our security Interost (Iienl in the vehicle.
d. Insurance you ml,lat have on the vehiCle. You agree 10 have pl1ysical
damage insura.nce covering loss or da.mage to the vehicle for the term
of this contraCt. The insurance must cover our interest in the vehicle. If
you do not have this insurance, we may, it we decide. bUY physical
damage Insurance. If we decide to buy physical damage Insurance, we
may either buy Insurance thaI covers yOl.lr interest and our interest In
the vehicle, or buy insurance lhat covers only our interest. If we buy
either type of insurance, we will tell you which type and ~e charge you
must pay. The charge ""m be the premium for the insurance and a
finance cnarge a~ the highest rate the law permits.
It the vehicle Is lost or damaged, you agree that we may use any
insurance settlemenllO reduce what you owe or repair the vehicle.
e. Whar happens ra returned Insurance, maintenance, service, or
other c-:mtract charges. If we gel a refund of insurance, maintenance,
service, or other contract charges, you agree that we may subtract the
refund from what you owe.
3. YOU MAY PREPAY
",.", ...:>\, "">""" "II ,.,r "",rt ,,' th.. Ilnn~iri nRn nf thf! Amount Financed at
5616978128
T-144 P.D01/DDl
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b. You inay have to pay all you owe at ooee. If you preak your
promises (d~tault), we may demand that you pay all you owe on this
co,'l'tract at once. Default means:
1. You do not pay any payment on time;
2. You start a proceeding in bankruptcy or. one 1$ started against you
or your property; or ,
3, You break any agreements in this contract.
The amount you will owe will be the unpaid part of. the Amount
Financed plus the earned and unpaid pan of the Finance Charge. any
late chargos. and any amounts due because you defaulted,
c. YOLl may have to pay collection eoalS. II we hire an attorney to
collect whar )'OU owe, you will pay the attorney's fee and court costs, as
the law allowS.
d. We may talte the vehicle from you. If you defaJ.lIr, we may take
(reposses$) the vehiCle from yOlJ if we do 50 peacefully and the law
allows it. II your vehicle has an elecuonic tracking device, you agree
Ihat we may use the dlJvice to lind the vehicle. If we take the vehiCle,
any accessories, equipment. and replacement parts will stay with the
vehicle. II any personBl items are In the vehicle, we may store them for
you at your ellpenae. If you do not ask for these Items back, we may
dispose of them as the law allows.
e. How you can get the vehl~le back If we take It. If we repossess the
vehicle, yOl.l may pay to get it back (redeem), We ..,11I tell you how much
TO pay to redEjem. YOUr right to redeem ends when we selllhe vehicle.
f. We will sell the vel'llcle If you do nOI get It back. If you do not
redeem, we will sell the vehicle. We will send you a written notice of
sale before selling the \lehide.
We will apply the money from the sale, less allowed ellpenses, to tho
afnount you owe. Allowed expen&es are el(penses we pay as a direct
reSun of lal(ing the vehicle, holding it, preparing it for sale, and selling it.
Attomey feeS and coul'f CO$ts the law permits are also allowed
expenses. If any money is left (surplUS). we will pay il 10 you. If money
from the sale is nOI enough to pay the amount you owe, you must pay
the rest 10 us. If you.do not pay this amount "'Ihen we ask, we may
charge you interest at the highest lawful rate until you pay.
g. What we may do about opllonlll InsurllnGe, maintenance, service,
or other contracts. This contract may contain charge5 lor optional
Insurance, maimenance. service, or other contracts. If we repossess
!he venicle, we may claim benefits under these contraclS and canc;el
them to oblain refunds of unearned charges to reduce what you owe or
repair the vehicle. If the vehicle is a total loss because it Is confiscated,
damaged. or stolen, we may claim benefits under these contracts and
cancel them to obtain refunds of unearnlld charges to reduce whar yOI.l
owe.
h. Dishonored Check Charge. If you try to pay any portion of an amount
you owe with a check that is dishonored, we may make a separate
demand that you pay a service charge. The charge will be $25 If the
ctlecl< amount is SSO or less; $30 if lhe check is over $50 but not more
than $300; $40 if the check amount is over $300.
5. W...ARANTIES SELLER D1SCLAI"'S
Unless the Seller makes a wrlnen warr.nry, or enlers Into a service
conlJ'acr wlmln 90 days from. die date 01 mh. conrraCI, rhe Seller
maQ8 no warranties, cllpres~ or Implied. an the vehlcJ.. Bnd there
will be no hnpll~cI warrantlcts of merchantability or of IIlnllss for a
panlcular purpose.
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any lime without penallY. If you do so, you must pay Ihe earned and
unpaid part of I~ Finance ChargE! and all othr 'nounts due up to the
date of your payment.
This provision does nol affect any -.varranties covering the vehiele that the
vehicle manufacture. 'iY prcvide.
4. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES
II. Yeu may owe late chargee: You ""ill pay' a late charge on eac:h laIB
'ayment as shown on the front. Ac:c:epranoe of a late payment Or late
..:harge doeS nOt ellcuse your late payment or mean thai you may keep
making late payments. If YCIJ pay late, we may alsc taj(e the steps
desc;rlbed bellOW.
6. Used ellr Buyers Guide. The In'armatlon yo,", Me IOn the window 'arm
'or this vehicle ill pan of this contract. .Informatlon on the wlnclow
form overrides any contrary provisions In the contract of slllle.
Spal1lsh Tranalallon:
Guia para compradol'ea de vehfc:ulOll u.ados. La In'ormaclon que ve
en 81 formula ria de 18 ventanllla para e8t8 vehiculo forma pane del
preaenbl contraw. .....lnfarmacl6n del formullllio de la ventanllla deja
81n efecta toda dlspoalclon en co"".rlo con1enldll IIn .1 eontrato de
\tenia.
7. APPUCABLE LAW .. -.,. ..-.-.-."
Federal law and Florida law apply to this oont/'act.
NonCE: ANY HOLDER OF. THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
THE DEBTOR COULD ASSERT AGAINST THE SELLER OF' GOODS OR SERVICES 08TAINED PURSUANT
HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED
AMOUNTS PAID BY THE DEBTOR HEREUNDER.
The preceding NOTICE applies only to goods or services obtained primarily for personal, family, or household use. In all
other cases, BlIVer will not assert agaInst any subsequent holder or assignee of this eontracl any. claims or defenses
the Buyer (debtor) may have against the Seller, or against the ma'nufactur:er of the vehicle or equipment ob",ined under
this contract. .