EXHIBIT 10.2 TO FORM 10-Q/A




RETAIL
INSTALLMENT SALE CONTRACT – SIMPLE INTEREST FINANCE CHARGE 


	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
Dealer Number ________________

	
 

	
Contract Number ______________

	
 

	
R.O.S. Number _______________

	
 

	
Stock Number     [ILLEGIBLE]
   









	
 

	
 


	 

	
Buyer (and Co-Buyer) Name and Address
 (Including County and Zip Code)

	
Creditor - Seller (Name and Address)


	
 

	
 


	
NEW WORLD MORTGAGE INC.

	
PARADISE CHEVROLET CAD


	
41655 DATE ST

	
27360 YNEZ RD


	
MURRIETA RIVERSIDE CA 92562

	
TEMECULA CA 92591


	
 

	
 


	 
	 




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 agreements on the front and back of
this contract. You agree to pay the Creditor - Seller (sometimes “we” or “us”
in this contract) the Amount Financed and [ILLEGIBLE] Charge 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

	
Odometer

	
Vehicle
 Identification Number

	
Primary
 Use For Which Purchased


	 
	 
	 
	 
	 
	 

	
 

	
 

	
CADILLAC TRUCK

	
 

	
 

	
x personal, family or
household


	
NEW

	
2007

	
ESCALADE ESV

	
72

	
1GYFK66867R277613

	
x business or commercial


	 
	 
	 
	 
	 
	 









	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
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 down

 payment of

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
$ 

	
0.00 


	
 is 


	
 

	
0.00


	
% 

	
 

	
$ 

	
0.00


	
 (e) 

	
 

	
$ 

	
70795.20


	
 

	
 

	
$ 

	
70795.20 


	
 (e) 

	
 

	
$ 

	
70795.20 


	
 (e) 


	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
(e) means an estimate  


	
YOUR
 PAYMENT SCHEDULE WILL BE:

	
 

	
 

	
 


	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 

	
Number of Payments:

	
Amount of Payments:

	
 

	
When Payments Are Due:

	
 


	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 

	
One Payment of

	
 

	
 

	
N/A

	
 

	
 

	
 

	
N/A

	
 


	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 

	
One Payment of

	
 

	
 

	
N/A

	
 

	
 

	
 

	
N/A

	
 


	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 

	
     59          Payments

	
 

	
 

	
1179.92

	
 

	
 

	
 

	
Monthly, Beginning 11/12/2007

	
 


	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 

	
                   Payments

	
 

	
 

	
N/A

	
 

	
 

	
 

	
Monthly, Beginning 

	
 


	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 

	
One Final Payment

	
 

	
 

	
1179.92

	
 

	
 

	
 

	
DUE ON 10/12/2012

	
 


	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 

	
Late Charge. If 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
 pay off all your debt early, you may be charged a minimum finance charge.


 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 dale, minimum finance charges, and security interest. 










	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
ITEMIZATION OF
THE AMOUNT FINANCED (Seller may keep part of the amounts paid to others.)


	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
1.

	
Total Cash
 Price

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
A.

	
Cash Price
 of Motor Vehicle and Accessories

	
 

	
 

	
 

	
$


	
61885.00


	
(A) 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
1.

	
Cash Price
 Vehicle

	
$


	
60186.00


	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
2.

	
Cash Price
 Accessories

	
$


	
1699.00


	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
3.

	
Other
 (Nontaxable)

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
Describe

	
N/A

	
 

	
$


	
N/A


	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
Describe

	
N/A

	
 

	
$


	
N/A


	
 

	
 

	
 

	
 





	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
B.

	
Document Preparation Fee (not a governmental fee)

	
 

	
$


	
55.00 


	
(B) 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
C.

	
Smog
 Fee Paid to Seller

	
 

	
 

	
 

	
$


	
N/A 


	
(C)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
D.

	
(Optional)
 Theft Deterrent Device (to whom paid)

	
 

	
N/A


	
 

	
$


	
N/A 


	
(D)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
E.

	
(Optional) Theft Deterrent Device (to whom paid)

	
 

	
N/A


	
 

	
$


	
N/A 


	
(E)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
F.

	
(Optional)
 Surface Protection Product (to whom paid)

	
 

	
N/A


	
 

	
$


	
N/A 


	
(F)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
G.

	
(Optional) Surface
 Protection Product (to whom paid)

	
 

	
N/A


	
 

	
$


	
N/A


	
(G)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
H.

	
Sales Tax
 (on taxable items in A through G)

	
 

	
 

	
 

	
$


	
4800.35 


	
(H)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
I.

	
Optional DMV Electronic
 Filing Fee

	
 

	
 

	
 

	
$


	
28.00


	
(I)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
J.

	
(Optional)
 Service Contract (to whom paid)

	
 

	
N/A


	
 

	
$


	
N/A


	
(J)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
K.

	
(Optional) Service Contract
 (to whom paid)

	
 

	
N/A.


	
 

	
$


	
N/A 


	
(K)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
L.

	
(Optional) Service Contract
 (to whom paid)

	
 

	
N/A


	
 

	
$


	
N/A 


	
(L)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
M.

	
Prior Credit or Lease
 Balance paid by Seller to

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
GMAC

	
 

	
$


	
2756.10 


	
(M)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
(see
 downpayment and trade-in calculation)

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 





	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
N.

	
(Optional) Gap Contract (to
 whom paid) 

	
PARADISE CHE 

	
 

	
$


	
795.00


	
(N) 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
O.

	
(Optional)
 Used Vehicle Contract Cancellation Option Agreement

	
 

	
 

	
 

	
$


	
N/A


	
(O) 





	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
P.

	
Other (to-whom paid)

	
N/A

	
 

	
$


	
N/A 


	
(P) 





	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
For  

	
N/A

	
 

	
 

	
    

	
 

	
 

	
     






	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
Total Cash Price (A through P)

	
 

	
 

	
 

	
$


	
70319.45


	
(1)


	
 


















STATEMENT OF INSURANCE


	
NOTICE. No person is
required as a condition of [ILLEGIBLE] the purchase of a motor vehicle to
purchase or negotiate are insurance through a particular insurance company,
agent [ILLEGIBLE] broker. You are not required to buy any other insurance [ILLEGIBLE]
obtain credit. Your decision to buy or not buy other insurance will not be a
factor in the credit approval process.





Vehicle Insurance


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
Term  

	
 

	
 

	
Premium  

	
 


	
$

	
N/A

	
 Ded. Comp.,
 Fire & 

	
 

	
 

	
Mos.

	
 

	
$

	
N/A 

	
 


	
 

	
 

	
Theft


	
$

	
N/A

	
 Ded.
 Collision

	
 

	
 

	
Mos.

	
 

	
$

	
N/A 

	
 


	
Bodily Injury

	
$

	
N/A  

	
Limits

	
 

	
 

	
Mos.

	
 

	
$

	
N/A 

	
 


	
Property
 Damage

	
$

	
N/A  

	
Limits

	
 

	
 

	
Mos.

	
 

	
$

	
N/A 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
Medical

	
 

	
N/A

	
 

	
 

	
Mos.

	
 

	
$

	
N/A 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
N/A

	
 

	
 

	
Mos.

	
 

	
$

	
N/A 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
Total Vehicle Insurance Premiums

	
 

	
 

	
$

	
N/A 

	
(a)





	
 


	
UNLESS A CHARGE IS INCLUDED IN THIS
 AGREEMENT FOR PUBLIC LIABILITY OR PROPERTY DAMAGE INSURANCE, PAYMENT FOR SUCH
 COVERAGE IS NOT PROVIDED BY THIS AGREEMENT.


	 





You may buy the physical
damage insurance this contract require (see back) from anyone you choose who is
acceptable to us. You are not required to buy any other insurance to obtain credit.


	
 

	
 


	
Buyer  

	
NEW WORLD MORTGAGE INC. 





	
 

	
 


	
Co-Buyer

	
N/A 








	
 

	
 


	
Seller

	







	
 


	 

	
If any insurance is checked
 below, policies on certificates from the named insurance companies will
 describe the terms and conditions.


	 




Application for Optional Credit Insurance


	
 

	
 

	
 

	
 


	
o Credit Life:

	
o Buyer

	
o Co-Buyer

	
o Both


	
o Credit Disability (Buyer Only)

	
 





	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
Term  

	
 

	
Exp.  

	
 

	
Premium  

	
 


	
Credit Life

	
N/A

	
Mos.

	
 

	
 

	
$

	
N/A 


	
 


	
Credit Disability

	
N/A

	
Mos.

	
N/A

	
 

	
$

	
 

	
 


	
Total Credit Insurance
 Premiums

	
 

	
 

	
$

	
N/A 



	
(b)


	
Insurance Company Name

	




	
N/A





	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
Home Office Address

	



	
N/A






	
 


	
Credit
life insurance and credit disability insurance are not required to obtain
credit. Your decision to buy or not buy credit life 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
is based on your original payment schedule. This insurance may not pay all you
owe on this contract if you make late payments. Credit disability insurance does
not cover any increase in your payment or in the number of payment. Coverage
for credit life insurance and credit disability insurance ends on the original
due date for the last payment unless a different term for the insurance is
shown above.


	
  


	
You are applying for the credit insurance marked
above. Your signature below means that you agree that: (1) You are not
eligible for insurance if you have reached your 65th birthday. (2) You are eligible
for disability insurance only if you are working for wages


























	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
A.

	
Agreed Trade-In
 Value  Yr

	
2004

	
 Make

	
CADILLAC T

	
 

	
$

	
27000.00


	
 


	
 (A)

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
Model

	
ESV

	
 Odom

	
    48578

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
VIN

	
3GYFK66N94G339166

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
B.

	
Less Prior Credit or Lease
 Balance

	
 

	
$

	
29756.43


	
 


	
 (B)

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
C.

	
Net Trade-In (A less B)
 (indicate if a negative number)

	
 

	
$

	
-2756.43


	
 


	
 (C)

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
D.

	
Deferred Downpayment

	
 

	
$ 

	
N/A 


	
 


	
 (D)

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
E.

	
Manufacturer’s Rebate

	
 

	
$ 

	
N/A 


	
 


	
 (E)

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
F.

	
Other 

	
N/A

	
 

	
$ 

	
N/A 


	
 


	
 (F)

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
G.

	
Cash

	
 

	
$

	
0.33


	
 


	
 (G)

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
Total
 Downpayment (C through G)

	
 

	
 

	
 

	
 

	
   $

	
0.00


	
 


	
 (6)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
(If negative, enter zero on
 line 6 and enter the amount less than zero as a positive number on line 1M
 above)

	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
7.

	
Amount
 Financed (5 less 6)

	
 

	
 

	
 

	
   $

	
70795.20


	
 

	
 (7)


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 





	
 





	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
SELLER
ASSISTED LOAN 

	
 

	
 

	
AUTO
BROKER FEE DISCLOSURE 


	
BUYER MAY BE REQUIRED TO PLEDGE SECURITY FOR THE LOAN, AND WILL BE
OBLIGATED FOR THE INSTALLMENT PAYMENTS ON BOTH THIS RETAIL INSTALLMENT SALE
CONTRACT AND THE LOAN. 

	
 

	
 

	
 

	
If this contract reflects
the retail sale of a new motor vehicle, the sale is not subject to a fee
received by an autobroker from us unless the following box Is checked: 


	
 

	
 

	
 

	
 


	
Proceeds of Loan From,  

	
N/A  


	
 

	
 

	
 

	
o Name of
autobroker receiving fee,  


	
Amount $  

	
N/A  

	
 Finance Charge $  

	
  N/A  

	
 

	
 

	
 

	
if applicable: 


	
Total
$  

	
 

	
N/A  

	
 

	
 Payable in   

	
N/A  

	
 

	
 

	
 

	
N/A


	
installments
of $  

	
              N/A  

	
 $   

	
N/A  

	
 

	
 

	
 

	
 


	
from this Loan is shown in item 6D.  

	
 

	
 

	
 

	
 

	
 

	
 

	
 





	
 





	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
SELLER’S RIGHT TO CANCEL If Buyer and Co-Buyer sign
 here, the provision of the Seller’s Right to Cancel section on the
 [ILLEGIBLE] giving the Seller the right to cancel if Seller is unable
 to assign this contract to a financial institution will apply.

	
 


	
 

	
 

	
 

	
 


	
 

	
NEW WORLD
 MORTGAGE INC.

	
 


	
 

	
 

	
 

	
 


	
 

	
BY:

	
 

	
 


	
 

	
 

	


	
 


	
 

	
X

	
 

	
 

	
X          N/A

	
 


	
 

	
Buyer

	
 

	
 

	
Co-Buyer

	
 


	
 

	
 

	
 

	
 

	
 

	
 








	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
OPTIONAL GAP CONTRACT A gap contract (debt
 cancellation contract) is not required to obtain credit and will not be
 provided unless you sign below and agree to pay the extra charge. If you
 choose to buy a gap contract, the charge is shown in item 1N, See your gap
 contract for details on the protection it provides. It is a part of this
 contract.

	
 


	
 

	
Term

	
60

	
 Mos 

	
CNA
 NATIONAL WARR

	
 


	
 

	
 

	
 

	
 

	
Name
 of Gap Contract

	
 


	
 

	
You want to buy a gap
 contract.

	
 


	
 

	
 

	
 


	
 

	
 

	
NEW WORLD
 MORTGAGE INC.

	
 


	
 

	
 

	
 


	
 

	
 

	
BY:

	
 

	
 


	
 

	
Buyer

	
 X  

	


	
 


	
 

	
 

	
 

	
 

	
 

	
 






	
 






	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
OPTIONAL SERVICE CONTRACT(S) You want to
 purchase the service contract(s) written with the following company(ies) for
 the term(s) shown below for the charge(s) shown in item 1J, 1K, and/or 1L
 above.

	
 


	
 

	
 

	
 


	
 

	
1J Company 

	
N/A

	
 


	
 

	
Term

	
N/A

	
 

	
 Mos. or 

	
N/A

	
 Miles

	
 


	
 

	
1K Company 

	
N/A

	
 


	
 

	
Term

	
N/A

	
 

	
 Mos. or 

	
N/A

	
 Miles

	
 


	
 

	
1L Company 

	
N/A

	
 


	
 

	
Term

	
N/A

	
 

	
 Mos. or 

	
N/A

	
 Miles

	
 


	
 

	
Buyer X

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 





	
 






	
 

	
 

	
 

	
 


	
 

	
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 both you and we must sign
 it. No oral changes are binding.

	
 


	
 

	
 

	
 

	
 


	
 

	
Buyer Signs X

	
NEW WORLD
 MORTGAGE INC.

	
 


	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
BY: 

	
 

	
 


	
 

	
Co-Buyer Signs X

	


	
 


	
 

	
 

	
 

	
 











	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
OPTION: o  You pay no finance charge if the
 Amount Financed, item 7, is paid in full on or before 

	
N/A

	
 Year 

	
 

	
 SELLER’S INITIALS

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 








	
 

	
 

	
 


	
 

	
          THE
MINIMUM PUBLIC LIABILITY INSURANCE LIMITS PROVIDED IN LAW MUST BE MET BY
EVERY PERSON WHO PURCHASES A VEHICLE. IF YOU ARE UNSURE WHETHER OR NOT YOUR
CURRENT INSURANCE POLICY WILL COVER YOUR NEWLY ACQUIRED VEHICLE IN THE EVENT
OF AN ACCIDENT, YOU SHOULD CONTACT YOUR INSURANCE AGENT.

	
 


	
 

	
          WARNING:

	
 


	
 

	
          YOUR
 PRESENT POLICY MAY NOT COVER COLLISION DAMAGE OR MAY NOT PROVIDE FOR FULL
 REPLACEMENT COSTS FOR THE VEHICLE BEING PURCHASED. IF YOU DO NOT HAVE FULL
 COVERAGE, SUPPLEMENTAL COVERAGE FOR COLLISION DAMAGE MAY BE AVAILABLE TO YOU
 THROUGH YOUR INSURANCE AGENT OR THROUGH THE SELLING DEALER. HOWEVER, UNLESS OTHERWISE
 SPECIFIED, THE COVERAGE YOU OBTAIN THROUGH THE DEALER PROTECTS ONLY THE
 DEALER, USUALLY UP TO THE AMOUNT OF THE UNPAID BALANCE REMAINING AFTER THE
 VEHICLE HAS BEEN REPOSSESSED AND SOLD.

	
 


	
 

	
          FOR
 ADVICE ON FULL COVERAGE THAT WILL PROTECT YOU IN THE EVENT OF LOSS OR DAMAGE
 TO YOUR VEHICLE, YOU SHOULD CONTACT YOUR INSURANCE AGENT. [ILLEGIBLE] HE/SHE
 UNDERSTANDS THESE PUBLIC LIABILITY TERMS AND CONDITIONS.

	
 







	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 


	
 

	
 

	

NEW WORLD
 MORTGAGE INC.


	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
BY: 

	
 

	
 

	
 

	
 

	
 


	
 

	
S/S X

	
 

	


	
 

	
X

	
N/A 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 






	
 

	
 

	
 


	
 

	
Representations of Buyer: Seller has relied on the
 truth and accuracy of the information
 provided by you in connection with the Trade-In Vehicle. You represent that
 you have given a true payoff amount on the vehicle traded in. If the payoff amount
 is more than the amount shown above in item 6B as “Prior Credit or Lease
 Balance,” you must pay [ILLEGIBLE] If the payoff amount is less than the amount shown above in item 6B as “Prior Credit or
 Lease Balance,” Seller will refund the difference
 to you.

	
 






	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 


	
 

	
 

	

NEW WORLD
 MORTGAGE INC.


	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
BY: 

	
 

	
 

	
 

	
 

	
 


	
 

	
Buyer X

	
 

	


	
 

	
Co-Buyer X  

	
N/A 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 







	
 

	
 

	
 


	
 

	
Notice
to buyer: (1) Do not sign this agreement before you read it or if it contains
any blank spaces to be filled in. (2) You are entitled to a completely filled
in copy of this agreement. (3) You can prepay the full amount due under this
agreement at any time. (4) If you default in the performance of your
obligations under this agreement, the vehicle may be repossessed and you may
be subject to suit and liability for the unpaid indebtedness evidenced by
this agreement. 

	
 


	
 

	
 

	
 


	
 

	
If you have a complaint concerning this sale, you
 should try to resolve it with the seller.

	
 


	
 

	
Complaints concerning
 unfair or deceptive practices or methods by the seller may be referred to the
 city attorney, the district attorney, or an investigator for the Department
 of Motor Vehicles, or any combination thereof.

	
 


	
 

	
After this contract is
 signed the seller may not change the financing or payment terms unless you
 agree in writing to the change. You do not have to agree to any change, and
 it is an unfair or deceptive practice for the seller to make a unilateral
 change.

	
 






	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 


	
 

	
 

	

NEW WORLD
 MORTGAGE INC.


	
 

	
 

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
 

	
BY: 

	
 

	
 

	
 

	
 

	
 


	
 

	
Buyer Signature X

	
 

	


	
 

	
Co-Buyer Signature X

	
N/A 

	
 


	 

	 

	 

	 

	 

	 

	 

	 






	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
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.

	
 


	
 

	
THERE IS NO COOLING-OFF
PERIOD UNLESS YOU OBTAIN A CONTRACT CANCELLATION OPTION 

	
 

	
 

	
 

	
 


	
 

	
California
law does not provide for a “cooling-off” or other cancellation period for
vehicle sales. Therefore, you cannot later cancel this contract simply
because you change your mind, decide the vehicle costs too much, or wish you
had acquired a different vehicle. After you sign below, you may only cancel
this contract with the agreement of the seller or for legal cause, such as
fraud. However, California law does require a seller to offer a 2-day
contract cancellation option on used vehicles with a purchase price of less
than $40,000, subject to certain statutory conditions. This contact
cancellation option requirement does not apply to the sale of a recreational
vehicle, a motorcycle, or an off-highway motor vehicle subject to
identification under California law. See the vehicle contract cancellation
option agreement for details. 


	
 

	
 

	
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
ACKNOW­LEDGE THAT YOU HAVE READ BOTH SIDES OF THIS CONTRACT, INCLUDING THE
ARBITRATION CLAUSE ON THE REVERSE SIDE, BEFORE SIGNING BELOW. YOU CONFIRM
THAT YOU RECEIVED A COMPLETELY FILLED-IN COPY WHEN YOU SIGNED IT. 

	
 


	
 
	
 
	
 

	
 

	
 

	
 


	
 






	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 


	
  


	
  

	
NEW WORLD MORTGAGE INC.

	
  

	
  

	
  

	
  


	
  


	
  

	
BY: 

	
  

	
  

	
  

	
  

	
  

	
  

	
  

	
  


	
   Buyer Signature X

	
 

	


	
 Date 

	
10/12/07

	
Co-Buyer
 Signature X

	
N/A 

	
 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 Signature X

	
 

	
  Address

	
 

	
 


	
 

	
 

	
 

	
 

	
 

	
 


	
 

	
GUARANTY: To induce us to sell the
 vehicle to Buyer,
 each person who signs as a Guarantor individually guarantees the payment of
 this contract. If Buyer fails to pay any money owing on this
 contract, each Guarantor must pay it when asked. Each Guarantor will be liable for the total amount owing
 even if other persons also sign as Guarantor, and even if Buyer has a
 complete defence to Guarantor’s demand for reimbursement. Each Guarantor
 agrees to be liable even if we do one or more of the following: (1) give the
 Buyer more time to pay one or
 more