T679144620-DP679144621 - THIS IS A CUSTOMER COMPLETED COPY OF THE SIGNED ELECTRONIC FORM HELD BY ROUTEONE LLC.

553-IA-e 8/21
RETAIL INSTALLMENT SALE CONTRACT
SIMPLE FINANCE CHARGE
Buyer Name and Address Co-Buyer Name and Address Seller-Creditor (Name and Address)
(Including County and Zip Code) (Including County and Zip Code) GL Southtown, LLC
KRISTI SUE SCHAFER ROBERT ALLEN SCHAFER JR 2412 N JEFFERSON STREET
1518 200TH ST 1518 200TH ST Indianola, IA 50125
Diagonal, IA 50845 RINGGOLD Diagonal, IA 50845 RINGGOLD

You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on
credit under the agreements in this contract. You agree to pay the Seller - Creditor (sometimes ‘‘we’’ or ‘‘us’’ in this contract) the Amount Financed
and Finance Charge in U.S. funds according to the payment schedule below. We will figure your finance charge on a daily basis. The Truth-In-
Lending Disclosures below are part of this contract.
New/Used Year Make and Model Vehicle Identification Number Primary Use For Which Purchased
Personal, family, or household unless
otherwise indicated below
Used 2018 Ram 2500 3C6UR5DJ5JG306882 䡺 business
䡺 agricultural 䡺 N/A

FEDERAL TRUTH-IN-LENDING DISCLOSURES WARRANTIES SELLER DISCLAIMS

ANNUAL FINANCE Amount Total of Total Sale Unless the Seller makes a written warranty,
PERCENTAGE CHARGE Financed Payments Price or enters into a service contract within 90
RATE The dollar The amount of The amount you The total cost of days from the date of this contract, the
The cost of amount the credit provided will have paid after your purchase on Seller makes no warranties, express or
your credit as credit will to you or you have made all credit, including
TRUE AND ACCURATE COMPLETED COPY - UCC NON-AUTHORITATIVE COPY

TRUE AND ACCURATE COMPLETED COPY - UCC NON-AUTHORITATIVE COPY

implied, on the vehicle, and there will be no
a yearly rate. cost you. on your behalf. payments as your down
scheduled. payment of implied warranties of merchantability or of
fitness for a particular purpose.
$ 20,000.00 is
This provision does not affect any warranties
6.05% $ 4,455.10 $ 27,115.70 $ 31,570.80 $ 51,570.80 covering the vehicle that the vehicle
Your Payment Schedule Will Be: (e) means an estimate manufacturer may provide.
Number of Amount of When Payments
Payments Payments Are Due Used Car Buyers Guide. The information
you see on the window form for this vehicle
is part of this contract. Information on the
60 $ 526.18 Monthly beginning 02/19/2023
window form overrides any contrary
provisions in the contract of sale.
N/A $ N/A N/A Spanish Translation: Guía para
compradores de vehículos usados. La
N/A información que ve en el formulario de la
ventanilla para este vehículo forma parte
del presente contrato. La información del
Late Charge. If payment is not received in full within 10 days after it is due, you will pay a late charge formulario de la ventanilla deja sin efecto
30 5 less toda disposición en contrario contenida en
of $ or % of the part of the payment that is late, whichever is .
el contrato de venta.
Prepayment. If you pay early, you will not have to pay a penalty.
Security Interest. You are giving a security interest in the vehicle being purchased. APPLICABLE LAW
Additional Information: See this contract for more information including information about nonpayment, Federal law and the law of the state of Iowa
default, any required repayment in full before the scheduled date and security interest. apply to this contract.

For Married Iowa Residents: You agree that we may communicate with your spouse concerning this contract and the collection of your debt.

䡺 VENDOR’S SINGLE INTEREST INSURANCE (VSI insurance): If the preceding box is checked, the Creditor requires VSI insurance for the initial term of the
contract to protect the Creditor for loss or damage to the vehicle (collision, fire, theft, concealment, skip). VSI insurance is for the Creditor’s sole protection. This
insurance does not protect your interest in the vehicle. You may choose the insurance company through which the VSI insurance is obtained. If you elect
to purchase VSI insurance through the Creditor, the cost of this insurance is $ N/A and is also shown in Item 4B of the Itemization of Amount
Financed. The coverage is for the initial term of the contract.

NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR
WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY
THE DEBTOR HEREUNDER.
The preceding NOTICE applies only to goods or services obtained primarily for personal, family, or household use. In all other
cases, Buyer will not assert against any subsequent holder or assignee of this contract any claims or defenses the Buyer (debtor)
may have against the Seller, or against the manufacturer of the vehicle or equipment obtained under this contract.

LAW 553-IA-e 8/21 v1 Page 1 of 4

T679144620-DP679144621 - THIS CUSTOMER COMPLETED COPY WAS CREATED ON 01/05/2023 10:14:24 PM GMT
 T679144620-DP679144621 - THIS IS A CUSTOMER COMPLETED COPY OF THE SIGNED ELECTRONIC FORM HELD BY ROUTEONE LLC.

ITEMIZATION OF AMOUNT FINANCED Insurance. You may buy the physical damage insurance this
2,210.70 sales tax) 46,424.70 (1) contract requires from anyone you choose who is acceptable to
1 Cash Price (including $ $ us. You may also provide the physical damage insurance through
an existing policy owned or controlled by you that is acceptable
to us. You are not required to buy any other insurance to obtain
2 Total Downpayment =
credit unless the box indicating Vendor’s Single Interest
Trade-in N/A N/A N/A Insurance is required is checked on page 1 of this contract.
(Year) (Make) (Model) If any insurance is checked below, policies or certificates
N/A from the named insurance companies will describe the terms
Gross Trade-In Allowance $ and conditions.
Less Pay Off Made By Seller to N/A $ N/A
Check the insurance you want and sign below:
Equals Net Trade In $ N/A
Optional Credit Insurance
+ Cash $ 20,000.00
+ Other N/A $ N/A 䡺 Credit Life: 䡺 Buyer 䡺 Co-Buyer 䡺 Both
+ Other N/A $ N/A 䡺 Credit Disability: 䡺 Buyer 䡺 Co-Buyer 䡺 Both
+ Other N/A $ N/A Premium:
Credit Life $ N/A
(If total downpayment is negative, enter ‘‘0’’ and see 4I below) $ 20,000.00 (2)
Credit Disability $ N/A
3 Unpaid Balance of Cash Price (1 minus 2) $ 26,424.70 (3)
Insurance Company Name
4 Other Charges Including Amounts Paid to Others on Your Behalf
N/A
(Seller may keep part of these amounts):
Home Office Address
A Cost of Optional Credit Insurance Paid to Insurance Company or Companies.
N/A
Life $ N/A
Credit life insurance and credit disability insurance are
Disability $ N/A $ N/A not required to obtain credit. Your decision to buy or not
B Vendor’s Single Interest Insurance Paid to Insurance Company N/A buy credit life insurance and credit disability insurance will
$ not be a factor in the credit approval process. They will not
C Other Optional Insurance Paid to Insurance Company or Companies $ N/A be provided unless you sign and agree to pay the extra cost.
TRUE AND ACCURATE COMPLETED COPY - UCC NON-AUTHORITATIVE COPY

TRUE AND ACCURATE COMPLETED COPY - UCC NON-AUTHORITATIVE COPY

D Optional Gap Contract $ N/A If you choose this insurance, the cost is shown in Item 4A of
the Itemization of Amount Financed. Credit life insurance is
E Official Fees Paid to Government Agencies:
based on your original payment schedule. This insurance
to N/A for N/A $ N/A may not pay all you owe on this contract if you make late
to N/A for N/A N/A payments. Credit disability insurance does not cover any
$ increase in your payment or in the number of payments.
to N/A for N/A $ N/A Coverage for credit life insurance and credit disability
F Government Taxes Not Included in Cash Price $ N/A insurance ends on the original due date for the last payment
unless a different term for the insurance is shown below.
G Government License and/or Registration Fees
License Fee : $ 476.00
Registration Fee : $ 10.00 $ 486.00
H Government Certificate of Title Fees $ 25.00
I Other Charges (Seller must identify who is paid and describe purpose)
to N/A for Prior Credit or Lease Balance $ N/A
to Dealer for Documentation Fee $ 180.00 Other Optional Insurance
to N/A for N/A $ N/A
䡺 N/A N/A
to N/A for N/A $ N/A Type of Insurance Term
to N/A for N/A $ N/A
Premium $ N/A
to N/A for N/A $ N/A
N/A Insurance Company Name
to N/A for N/A $ N/A
to N/A for N/A $ N/A
Home Office Address
to N/A for N/A $ N/A
N/A
to N/A for N/A $ N/A
䡺 N/A N/A
to N/A for N/A $ N/A Type of Insurance Term
to N/A for N/A $ N/A
Premium $ N/A
to N/A for N/A $ N/A
691.00 (4) Insurance Company Name
Total Other Charges and Amounts Paid to Others on Your Behalf $ N/A
5 Amount Financed (3 + 4) $ 27,115.70 (5)
Home Office Address
N/A
OPTION: 䡺 You pay no finance charge if the Amount Financed, item 5, is paid in full on or before Other optional insurance is not required to obtain credit. Your
N/A , Year N/A . SELLER’S INITIALS N/A decision to buy or not buy other optional insurance will not
be a factor in the credit approval process. It will not be
OPTIONAL GAP CONTRACT. A gap contract (debt cancellation contract) is not required to obtain provided unless you sign and agree to pay the extra cost.
I want the optional credit insurance and other insurance
credit and will not be provided unless you sign below and agree to pay the extra charge. If you choose
checked above.
to buy a gap contract, the charge is shown in Item 4D of the Itemization of Amount Financed. See your
gap contract for details on the terms and conditions it provides. It is a part of this contract. XB N/A N/A
N/A N/A Buyer Signature Date
Term Mos.
I want to buy a gap contract.
Name of Gap Contract XB N/A N/A

Buyer Signs X A N/A Co-Buyer Signature Date

THIS INSURANCE DOES NOT INCLUDE
Returned Check Charge: You agree to pay a charge of $30 if any check you give to us is dishonored. INSURANCE ON YOUR LIABILITY FOR
BODILY INJURY OR PROPERTY
DAMAGE CAUSED TO OTHERS.
LAW 553-IA-e 8/21 v1 Page 2 of 4
T679144620-DP679144621 - THIS CUSTOMER COMPLETED COPY WAS CREATED ON 01/05/2023 10:14:24 PM GMT
 T679144620-DP679144621 - THIS IS A CUSTOMER COMPLETED COPY OF THE SIGNED ELECTRONIC FORM HELD BY ROUTEONE LLC.
OTHER IMPORTANT AGREEMENTS

1. FINANCE CHARGE AND PAYMENTS to name us on your insurance policy as an additional insured
a. How we will figure Finance Charge. We will figure the and as loss payee. If you do not have this insurance, we
Finance Charge on a daily basis at the Annual Percentage may, if we choose, buy physical damage insurance. If we
Rate on the unpaid part of the Amount Financed. decide to buy physical damage insurance, we may either
b. How we will apply payments. We may apply each payment buy insurance that covers your interest and our interest in
to the earned and unpaid part of the Finance Charge, to the the vehicle, or buy insurance that covers only our interest. If
unpaid part of the Amount Financed and to other amounts we buy either type of insurance, we will tell you which type
you owe under this contract in any order we choose as the and the charge you must pay. The charge will be the
law allows. premium for the insurance and a finance charge computed
c. How late payments or early payments change what you at the Annual Percentage Rate shown on page 1 of this
must pay. We based the Finance Charge, Total of contract. If the vehicle is lost or damaged, you agree that we
Payments, and Total Sale Price shown on page 1 of this may use any insurance settlement to reduce what you owe
contract on the assumption that you will make every or repair the vehicle.
payment on the day it is due. Your Finance Charge, Total of e. What happens to returned insurance, maintenance,
Payments, and Total Sale Price will be more if you pay late service, or other contract charges. If we get a refund of
and less if you pay early. Changes may take the form of a insurance, maintenance, service, or other contract charges,
larger or smaller final payment or, at our option, more or you agree that we may subtract the refund from what you
fewer payments of the same amount as your scheduled owe.
payment with a smaller final payment. We will send you a
notice telling you about these changes before the final 3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES
scheduled payment is due. a. You may owe late charges. You will pay a late charge on
d. You may prepay. You may prepay all or part of the unpaid each late payment as shown on page 1 of this contract.
part of the Amount Financed at any time without penalty. If Acceptance of a late payment or late charge does not
TRUE AND ACCURATE COMPLETED COPY - UCC NON-AUTHORITATIVE COPY

TRUE AND ACCURATE COMPLETED COPY - UCC NON-AUTHORITATIVE COPY

you do so, you must pay the earned and unpaid part of the excuse your late payment or mean that you may keep
Finance Charge and all other amounts due up to the date of making late payments.
your payment. If you pay late, we may also take the steps described below.
e. Your right to refinance a balloon payment. A balloon b. You may have to pay all you owe at once. If you break
payment is a scheduled payment that is more than twice as your promises (default), we may demand that you pay all
large as the average of your earlier scheduled payments. If you owe at once after we give you any notice and
you are buying the vehicle primarily for personal, family, or opportunity to cure the law requires. Default means:
household use, you have the right to refinance the balloon • You pay any payment more than 10 days late or not at
payment when due without penalty. The terms of the all; or
refinancing will be no less favorable to you than the terms of • You start a proceeding in bankruptcy or one is started
this contract. This provision does not apply if we adjusted against you or your property, you give false, incomplete,
your payment schedule to your seasonal or irregular income. or misleading information during credit application, or
you break any agreements in this contract, except that if
2. YOUR OTHER PROMISES TO US you bought the vehicle primarily for personal, family or
a. If the vehicle is damaged, destroyed, or missing. You household purposes, we will only treat these events as
agree to pay us all you owe under this contract even if the defaults if they materially impair the condition or value of
vehicle is damaged, destroyed, or missing. the vehicle, our right in the vehicle, or the prospect that
b. Using the vehicle. You agree not to remove the vehicle you will pay.
from the U.S. or Canada, or to sell, rent, lease, or transfer The amount you will owe will be the unpaid part of the
any interest in the vehicle or this contract without our written Amount Financed plus the earned and unpaid part of the
permission. You agree not to expose the vehicle to misuse, Finance Charge, any late charges, and any amounts due
seizure, confiscation, or involuntary transfer. If we pay any because you defaulted.
repair bills, storage bills, taxes, fines, or charges on the c. You may have to pay collection costs. Unless you are an
vehicle, you agree to repay the amount when we ask for it. individual or a partnership of individuals, if we hire an
c. Security Interest. attorney to collect what you owe, you will pay the attorney’s
You give us a security interest in: reasonable fee and court costs as the law allows.
• The vehicle and all parts or goods put on it; d. We may take the vehicle from you. If you default, we may
• All money or goods received (proceeds) for the vehicle; take (repossess) the vehicle from you after we give you any
• All insurance, maintenance, service, or other contracts notice and opportunity to cure the law requires, if we do so
we finance for you; and peacefully and the law allows it. If your vehicle has an
• All proceeds from insurance, maintenance, service, or electronic tracking device (such as GPS), you agree that we
other contracts we finance for you. This includes any may use the device to find the vehicle after we give you any
refunds of premiums or charges from the contracts. notice and opportunity to cure the law requires. If we take
This secures payment of all you owe on this contract. It also the vehicle, any accessories, equipment, and replacement
secures your other agreements in this contract. You will parts will stay with the vehicle. If any personal items are in
make sure the title shows our security interest (lien) in the the vehicle, we may store them for you. If you do not ask for
vehicle. You will not allow any other security interest to be these items back, we may dispose of them as the law allows.
placed on the title without our written permission. e. How you can get the vehicle back if we take it. If we
d. Insurance you must have on the vehicle. repossess the vehicle, you may pay to get it back (redeem).
You agree to have physical damage insurance covering loss We will tell you how much to pay to redeem. Your right to
of or damage to the vehicle for the term of this contract. The redeem ends when we sell the vehicle.
insurance must cover our interest in the vehicle. You agree

LAW 553-IA-e 8/21 v1 Page 3 of 4

T679144620-DP679144621 - THIS CUSTOMER COMPLETED COPY WAS CREATED ON 01/05/2023 10:14:24 PM GMT
 T679144620-DP679144621 - THIS IS A CUSTOMER COMPLETED COPY OF THE SIGNED ELECTRONIC FORM HELD BY ROUTEONE LLC.
f. We will sell the vehicle if you do not get it back. If you do
not redeem, we will sell the vehicle. We will send you a 4. SERVICING AND COLLECTION CONTACTS
written notice of sale before selling the vehicle. You agree that we may try to contact you in writing, by e-mail, or
We will apply the money from the sale, less allowed using prerecorded/artificial voice messages, text messages, and
expenses, to the amount you owe. Allowed expenses are automatic telephone dialing systems, as the law allows. You also
expenses we pay as a direct result of taking the vehicle, agree that we may try to contact you in these and other ways at
holding it, preparing it for sale, and selling it. Attorney fees any address or telephone number you provide us, even if the
and court costs the law permits are also allowed expenses. telephone number is a cell phone number or the contact results
If any money is left (surplus), we will pay it to you unless the in a charge to you.
law requires us to pay it to someone else. If money from the
sale is not enough to pay the amount you owe, you must pay Electronic Contracting and Signature Acknowledgment. You
the rest to us unless the law provides otherwise. If you do agree that (i) this contract is an electronic contract executed by you
not pay this amount when we ask, we may charge you using your electronic signature, (ii) your electronic signature signifies
interest at a rate not exceeding the highest lawful rate until your intent to enter into this contract and that this contract be legally
you pay. valid and enforceable in accordance with its terms to the same extent
g. What we may do about optional insurance, mainte- as if you had executed this contract using your written signature and
nance, service, or other contracts. This contract may (iii) the authoritative copy of this contract ("Authoritative Copy") shall
contain charges for optional insurance, maintenance, be that electronic copy that resides in a document management
service, or other contracts. If we demand that you pay all you system designated by us for the storage of authoritative copies of
owe at once or we repossess the vehicle, you agree that we electronic records, which shall be deemed held by us in the ordinary
may claim benefits under these contracts and cancel them course of business. Notwithstanding the foregoing, if the Authoritative
to obtain refunds of unearned charges to reduce what you Copy is converted by printing a paper copy which is marked by us as
owe or repair the vehicle. If the vehicle is a total loss the original (the "Paper Contract"), then you acknowledge and agree
because it is confiscated, damaged, or stolen, we may claim that (1) your signing of this contract with your electronic signature also
benefits under these contracts and cancel them to obtain constitutes issuance and delivery of such Paper Contract, (2) your
refunds of unearned charges to reduce what you owe. electronic signature associated with this contract, when affixed to the
Paper Contract, constitutes your legally valid and binding signature on
TRUE AND ACCURATE COMPLETED COPY - UCC NON-AUTHORITATIVE COPY

TRUE AND ACCURATE COMPLETED COPY - UCC NON-AUTHORITATIVE COPY

the Paper Contract and (3) subsequent to such conversion, your
obligations will be evidenced by the Paper Contract alone.

NO COOLING OFF PERIOD

State law does not provide for a ‘‘cooling off’’ or cancellation period for this sale. After you sign this contract,
you may only cancel it if the seller agrees or for legal cause. You cannot cancel this contract simply because
you change your mind. This notice does not apply to home solicitation sales.

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.
HOW THIS CONTRACT CAN BE CHANGED. IMPORTANT: READ BEFORE SIGNING. THE TERMS OF THIS AGREEMENT SHOULD BE READ CAREFULLY
BECAUSE ONLY THOSE TERMS IN WRITING ARE ENFORCEABLE. NO OTHER TERMS OR ORAL PROMISES NOT CONTAINED IN THIS WRITTEN
AGREEMENT MAY BE LEGALLY ENFORCED. YOU MAY CHANGE THE TERMS OF THIS AGREEMENT ONLY BY ANOTHER WRITTEN AGREEMENT.
Buyer Signs X C Co-Buyer Signs X C

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 the rest of this contract for other important agreements. Do not sign this contract on a Sunday.

NOTICE TO THE CONSUMER: (1) Do not sign this paper before you read it. (2) You are entitled to a copy of this paper.
(3) You may prepay the unpaid balance at any time without penalty and may be entitled to receive a refund of unearned
charges in accordance with law.

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 D Date 01/05/2023 Co-Buyer Signs X D Date 01/05/2023

Buyer Printed Name KRISTI SUE SCHAFER Co-Buyer Printed Name ROBERT ALLEN SCHAFER JR
If the "business" use box is checked in "Primary Use for Which Purchased": Print Name N/A Title N/A
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 N/A Address N/A
Seller signs GL Southtown, LLC Date 01/05/2023 By X D Title Finance Manager

FORM NO. 553-IA-e (REV. 8/21)

©2021 The Reynolds and Reynolds Company
THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO CONTENT OR
FITNESS FOR PURPOSE OF THIS FORM. CONSULT YOUR OWN LEGAL COUNSEL. LAW 553-IA-e 8/21 v1 Page 4 of 4
T679144620-DP679144621 - THIS CUSTOMER COMPLETED COPY WAS CREATED ON 01/05/2023 10:14:24 PM GMT