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Click here or scroll down to respond to this candidateCandidate's Name
Lease Company (Lessor): SNAP RTO LLCStreet Address Street Address
Salt Lake City, UT Street Address
Phone: PHONE NUMBER AVAILABLELessee: George Mason374 Dry Run RdOtway, OH 45657EMAIL AVAILABLEApplication ID: 21032500N9OH Lease Date: Property Condition: New Description of goods being rented (the Property) further explained in Exhibit A: Wheels/ TriesFORMATION OF AGREEMENT. By signing this Candidate's Name . The term Retailer means Cooper's Trucks And Accessories Llc. You have the right, but not the obligation, to acquire ownership of the Property as described herein.RENTAL OF PROPERTY; NEW CONDITION; DESCRIPTION. You are obtaining the possession of the Property from the Retailer. We own the Property unless and until you make the payments necessary to acquire ownership. You are renting the Property from us. You agree to obtain from the Retailer only new goods for personal, family or household purposes. IMPORTANT Candidate's Name WITH OPTION TO PURCHASE. YOU WILL NOT OWN THE PROPERTY UNTIL YOU HAVE PAID THE TOTAL PAYMENTS NECESSARY TO ACQUIRE OWNERSHIP AND COMPLY WITH THE OWNERSHIP TERMS. YOU ARE NOT OBLIGATED TO PAY A SUM GREATER THAN THE TOTAL PAYMENTS FOR A SINGLE LEASE TERM.Cash Price of Property. The Cash Price of the Property is $ 2,092.29, which is the amount you would have paid if you had purchased the Property from the Retailer with cash on the day of this Agreement, inclusive of any applicable sales or use tax.Total Cost of Lease; Periodic Payments; Processing Fee; Initial Payment; Cost of Rental. Unless you exercise your 100-Day Option or Early Buy-Out Option set forth below, the Total Cost of the Property under this Agreement will be $ 4,223.58. The Total Cost is based on an Initial Payment of $ 0.00 payable on the date of this Agreement (the Required Initial Payment), if any, a processing fee (which is not a payment towards the cost of your rental) of $ 39.00 (theProcessing Fee), if any, 52 additional payments of $ 80.48 (as adjusted, a Regular Payment) each, payable weekly. The Total Cost also reflects any additional cash paid today, if any. Your total initial payment due today is $ 39.00, which is the sum of the Required Initial Payment, if any, Processing Fee, if any, and any additional cash paid today. If you do not remit any applicable Processing Fee or Initial Payment at the time of lease, it is included in the Regular Payments set forth above. The Total Cost does not include late payment, nonsufficient funds, default, pickup, reinstatement, or other fees, if any, disclosed below. The cost of our lease services (Cost of Rental) is the difference between the Total Cost and Cash Price, and will be $ 2,131.29.Expected Delivery Date; First Regular Payment. The Required Initial Payment, if any, covers the rental period that begins on the date you receive the Property and ends on your first Regular Payment date. Your first Regular Payment date will be at least seven days after the later of (i) 03/26/2021 (the Expected Delivery Date), and (ii) the date on which the Property is provided or delivered to you. 100-Day Option. At any time during the first 100 from the Expected Delivery Date, the 100-Day Option applies, and you may acquire ownership of the Property by paying us the amount by which (i) the sum of the 100 Day Amount, the Processing Fee, if any, applicable sales or use taxes, and any unpaid fees we have charged, exceeds (ii) the amount of any Initial Payment and Regular Payments you have made. The 100 Day Amount is $ 2,092.29. Early Buy-Out Option. In addition to the 100-Day Option, an Early Buy-Out Option applies and you may purchase the Property by paying us the sum of (1) any past due Regular Payments, unpaid fees and sales or use taxes, (2) an amount equal to the Cash Price, minus an amount equal to fifty percent (50%) of the sum of the Initial Payment and all Regular Payments you have made.No Security Deposit Required. No security deposit is required under this Agreement. Lease Term, Subsequent Terms; Renewal. Subject to renewal as provided herein, your initial lease term expires on the first Regular Payment due date after the later of the Expected Delivery Date or the date on which the Property is provided or delivered to you. Thereafter, until (i) you obtain ownership of the Property as provided in this Agreement, (ii) you terminate this Agreement as permitted hereunder and surrender the Property in its original condition, less reasonable wear and tear, as of the end of a lease term, or (iii) we terminate this Agreement in a manner permitted hereunder, this Agreement will automatically and repeatedly renew for additional lease terms, each beginning the day following your most recent Regular Payment due date and continuing until the next Regular Payment due date. If we OH 02/2021Page 1 of 9Document ID: a1285ec2-49aPHONE NUMBER AVAILABLEa20dfa5ec36Copy of Electronic Original document managed through the eCore on Demand (EOD) Service. Copy created on Mar. 26, 2021 11:42:10 AM MDT; Document Identifier: T:993139346-D:993139347. This is a copy of an original document held Certified Print copy of the document held by Snap RTO,, LLC with BMO Harris Bank N.A. as administrative agent. CopyofOriginalpermit a revision to your Regular Payment frequency, the length of any subsequent renewal lease terms will adjust accordingly.Maintenance of the Property. You are responsible for maintaining or servicing the property while it its being leased. In accordance with this Agreement, you will conduct all maintenance, repairs, upkeep and care. Warranty. If any manufacturers or sellers warranty is in force when you acquire the Property, it shall be transferred to you if allowed by the terms of the warranty.Insurance & Liability Damage Waivers. We do not require you to purchase insurance or a liability damage waiver from us, and we have not provided insurance or a liability damage waiver to you. Lost, Stolen, Damaged, or Destroyed Property. You are responsible for loss, damage in excess of normal wear and tear or destruction of the Property while it is rented. If the Property is lost, stolen, damaged or destroyed, you agree to pay us at once an amount equal to the lesser of: (1) the Propertys fair market value, as of the time it is lost, stolen, damaged or destroyed (determined by us, using an industry value guide we select, if any is available); or (2) the amount you would need to pay at such time to exercise the 100-Day Option or Early Buy-Out Option, as applicable. Reinstatement Rights. If you are in default and/or the Property is surrendered or repossessed, you may reinstate this Agreement without losing any rights or options by paying: (i) all past due charges; and (ii) if allowed by applicable law, the reasonable costs of retrieval and redelivery if the Property has been retrieved. You may exercise your reinstatement right within 180 days of your default or surrender/repossession of the Property or such longer period provided to you under applicable law.Right to Terminate. At any time, you may terminate your obligation to make future Regular Payments under this Agreement without penalty by providing us notice of termination of this Agreement and by surrendering or returning to us the Property in its original condition, less reasonable wear and tear. We may terminate this Agreement at any time if you are in default of your payment or other obligations. Upon termination by either party, you must return the Property to a reasonable place we designate. In connection with any termination, you will continue to be obligated for all Regular Payments, fees and charges that are due or past due as of the date of termination and any fees, charges and taxes imposed by governmental authorities in connection with termination. You must also pay any excessive wear and use fees as provided in this Agreement, subject to limitations of applicable law. Late Fees. We reserve the right to charge a late fee for past due payments, after allowing for any grace period, of the lesser of (i) the rate allowed by applicable law or (ii) $2.00 for weekly, biweekly, or semi-monthly payments, or $5.00 for monthly payments.Other Important Terms. See the other parts of this Agreement for additional important information on termination procedures, purchase option rights, responsibilities for loss, damage or destruction of the Property, actual or implied warranties, taxes, other charges and penalties you may incur, and other important information. You acknowledge that we provided you with a completed copy of this Agreement. You acknowledge that we made the disclosures at or before the consummation of the Agreement.All other fees which may be charged, include fees for:(1) (1) Returned Payments or Nonsufficient Funds Fee: $ 20.00(2) (2) Reinstatement Fees: None (other than pickup and redelivery charges allowed by law) NOTICE: This Candidate's Name is regulated by state law and may be enforced by the attorney general or private legal action.(3)By signing, you agree that you received a legible copy of this Agreement. You agree to the terms of this Agreement on all 7 pages, including the "Customer Authorization for Payments via ACH," the "Jury Trial Waiver and Arbitration Clause," and the other terms below.Customer Signature:Digitally signed by Mason, GeorgeFrom Browser: Mozilla/5.0 (iPhone; CPU iPhone OS 14_4_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/14.0.3 Mobile/15E148 Safari/604.1 Client IP Address: PHONE NUMBER AVAILABLEDate-time accepted: 2021-03-26T17:41:57Signed method: eSignDOCU_EMAILDOCU_SIGNThe Lease Company's authorized signature indicates the Lease Company has accepted the terms, conditions and obligations of the Agreement and that the Lease Company agrees to this Agreement.Snap RTO LLCOH 02/2021Page 2 of 9Document ID: a1285ec2-49aPHONE NUMBER AVAILABLEa20dfa5ec36Copy of Electronic Original document managed through the eCore on Demand (EOD) Service. Copy created on Mar. 26, 2021 11:42:10 AM MDT; Document Identifier: T:993139346-D:993139347. This is a copy of an original document held Certified Print copy of the document held by Snap RTO,, LLC with BMO Harris Bank N.A. as administrative agent. CopyofOriginalBy: John Cullerton, GM: Lease-to-OwnNOTICE TO THE CONSUMER: YOU HAVE NO OWNERSHIP RIGHTS IN THE PROPERTY UNLESS AND UNTIL YOU ELECT TO BECOME THE OWNER OF THE PROPERTY AFTER MAKING THE NECESSARY PAYMENTS TO ACQUIRE OWNERSHIP, AND YOU HAVE THE LEGAL AUTHORITY TO ACCEPT TITLE TO THE PROPERTY. DO NOT SIGN THIS AGREEMENT BEFORE YOU READ ALL PAGES OF IT OR IF IT CONTAINS ANY BLANK SPACE TO BE FILLED IN. YOU ARE ENTITLED TO A COMPLETELY FILLED-IN COPY OF THIS AGREEMENT WHEN YOU SIGN IT.MAINTENANCE. You will keep the Property in good working order and repair. You will pay any operating costs. You will, at your expense, service the Property in accordance with manufacturer standards. If the Property is recalled, you will have the recall repairs or service performed. In the event the Property has mechanical problems, you agree to return the Property to us for evaluation, and, if necessary, repair. STANDARDS FOR WEAR AND USE. You may be charged for excess wear and use when you return the Property to us. The following standards apply for determining unreasonable or excess wear and use: You will not paint or letter the Property or modify any identification number of the Property. You will not add, remove or modify any accessories, equipment or parts without our prior written permission. The Property will not: Have damage, mechanical or electrical malfunction as applicable; be torn, burned, stained or shredded; have any dents, mold, or damage from water, sand, or freezing; or have inoperable parts. You must return the Property with all of its original parts. WARRANTIES. We make no express warranty on the Property, and, unless prohibited by law, the following sentences apply. YOU ARE LEASING THE PROPERTY AS IS. WE MAKE NO EXPRESS WARRANTIES ON THE PROPERTY. WE DISCLAIM ANY WARRANTIES IMPLIED BY LAW, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR ANY PARTICULAR PURPOSE. DEFAULT, REPOSSESSION, AND OTHER REMEDIES. You will be in default of this Agreement if:- You do not pay any payment or other amount under the Agreement as provided.- You give us any false or misleading information.- You lose possession of the Property by confiscation, forfeiture or other involuntary transfer regardless of whether the Property is the subject of judicial or administrative proceedings.- You die and there is no surviving customer.- The Property is lost, stolen or damaged beyond repair.- You assign the Agreement or transfer the Property.- Unless prohibited by law, you violate any Agreement term. If this Agreement is in default, we may at our election, and subject to any waiting period imposed by law, take any actions permitted by law, including without limitation one of the following actions, none of which will cure your default:-Until you purchase the Property as provided in this Agreement, or the Property is repossessed or surrendered, in each case as permitted under this Agreement, this Agreement shall continue to renew, and we may continue to charge you rent under the terms of this Agreement.-We may take any action we believe to be necessary or advisable to protect our interest in the Property.-We may peacefully repossess the Property wherever we may find it. We will give any repossession notices required by law. After repossession or surrender, we will hold the Property, subject to any right you may have under applicable law to cure the default or recover the Property.-Sums we spend taking any permitted action will be added to the amount accrued, unless prohibited by law. TAXES. You must immediately pay or reimburse us if we pay for you all government charges relating to the Property, including, but not limited to fees, taxes, fines and surcharges, whether assessed on you, us, or the Property. We may add the amount to what you owe us if you do not pay us when we make demand. If you do not pay such amounts when they are assessed (unless such results from our negligence), you must pay any penalties when due or reimburse us if we pay them.TITLE. We retain title to the Property for the term of the lease and until you acquire ownership. PAYMENTS. We have scheduled debits from your checking account, as provided below: CONSUMER AUTHORIZATION FOR PAYMENTS VIA ACH (ACH DEBITS) ACH Debits for Payment(s) and Range of Debits. You authorize us to debit funds from your bank account for the amount of the lease payments and all other amounts accrued as provided in this Agreement, in the following range of amounts $1.00 - $500.00. You authorize us to debit lesser amounts than your payment, based on your payment history. Our debits will be in such range, unless we notify you. ACH Debits for Returned Payment Fee. You authorize us to debit $ 20.00 for any returned payment fee. Notice of Variation. If a debit falls outside the specified range, we will email you notice of the amount and date on or OH 02/2021Page 3 of 9Document ID: a1285ec2-49aPHONE NUMBER AVAILABLEa20dfa5ec36Copy of Electronic Original document managed through the eCore on Demand (EOD) Service. Copy created on Mar. 26, 2021 11:42:10 AM MDT; Document Identifier: T:993139346-D:993139347. This is a copy of an original document held Certified Print copy of the document held by Snap RTO,, LLC with BMO Harris Bank N.A. as administrative agent. CopyofOriginalafter which we will debit such amount. You will get at least 10 calendar days' notice. Payment Dates. You authorize debits on or after the dates for payment provided in the Agreement, unless you otherwise direct us in writing. We will debit on or after every payment provided in this Agreement; provided, however, that we reserve the right to debit on the banking day immediately preceding your regular payment date if the payment date falls on a non-banking day (i.e., a holiday or weekend day). Corrections. You authorize us to debit and credit your account to correct errors. Effective Date. The transaction's effective date is the Agreement Date provided above. Account and Routing. You authorize the debits to this account: Number **8940 Routing Number 1193. Change in Account Information: You authorize us to debit any new account you give us information for. If any account is rejected we will debit any account we have on file. Stop Payments. You may stop payment at least three banking days before a payment. Revocation, Cancellation, Termination. This authorization applies until you revoke it. You must provide at least three days' notice to cancel. Call at (877) 557-3769 at least three days before the proposed effective date of the termination. Other Changes. Notify us at least five business days before the next billing date if your account information changes. Acknowledgments. You read this authorization in print, on a computer screen, or other visual display. You acknowledge and agree to the following: this ACH Debit Authorization is not an instrument governed by Article 3 of the Uniform Commercial Code. Print and retain a hard copy or electronic copy of this ACH Debit Authorization. NON-WAIVER. We do not waive our rights or remedies under this Agreement by failing to exercise them at any time. COMMUNICATING WITH YOU; CALL RECORDING: You authorize us (which for purposes of this Section also includes our affiliates, and our and their respective service providers, successors and assigns) to use automated telephone dialing, text messaging and e-mail systems to communicate with you at the telephone number(s) and e-mail address(es) you have provided in this Agreement or in any application for a lease with or through us and at any telephone numbers or email addresses that you subsequently provide to us with information relating to this Agreement, your other agreement(s) or account(s) held now or in the future by or through us and other important information regarding your relationship with or through us (Communications). Communications might include, for example, messages relating to scheduled or missed payments. You also agree that Communications to your phone may contain prerecorded or artificial voice messages. You understand that Communications to a telephone may be played by a machine automatically when the telephone is answered. These messages may also be recorded by your answering machine. You understand that, notwithstanding our efforts to communicate only with you, anyone with access to your telephone may be able to listen to these messages or read any text messages that we send to you. You also understand and agree that, subject to applicable law, we may monitor and/or record any of your phone conversations with any of our representatives for training, quality control, evidentiary, and any other purposes. However, we are not under any obligation to monitor, record, retain, or reproduce such recordings, unless required by applicable law. You acknowledge that, when you receive Communications from us, you might incur a charge from the company that provides you with telecommunications and/or data services. You agree that we will not be liable for any fees, inconvenience, annoyance or loss of privacy in connection with any Communications. If any telephone number you have provided to us changes, or if you cease to be the subscriber or customary user of any such telephone number, you agree to immediately give us notice of such by calling us at (877) 557-3769 so that we may update our records. You understand that this consent to receive automated Communications is an essential provision of this Agreement. To the extent you have the right under applicable law to revoke this consent, you may do so only by contacting us at (877) 557-3769 or P.O. Box 26561, Salt Lake City, UT 84126, or at any telephone number or address we subsequently provide to you.ENTIRE AGREEMENT, NO ADDITIONAL PROMISES, WRITTEN AND SIGNED CHANGES ONLY. This Agreement, together with the other documents referred to herein, is our entire agreement. We have made no promises to you not contained in this Agreement or in such other documents. Any change to this Agreement must be written and signed by you and us.CUSTOMER MODIFIED PAYMENT DATES AND FREQUENCY. The dates for, frequency of, number of and amount of Regular Payments in this Agreement are based upon the payday information you provided with your application. You may contact our customer service department or, if available use automated means, if available, to request a change of the scheduled dates for and frequency of Regular Payments. If we accept a change in the scheduled dates for or frequency of Regular Payments, the amount of each Regular Payment will automatically be modified so that that Total Cost, and the period over which the Total Cost is paid, will remain the same as prior to the requested change. Any refences in this Agreement to the number, frequency, timing and amount of Regular Payments refers to such number, frequency, time and amount as may be modified by Snap at your request. SEVERABILITY. If a court or other dispute resolution body finds any part of this Agreement to be void or unenforceable, this Agreement is to be read as if that part were never a part of this Agreement. The rest of the Agreement will be enforceable.PROHIBITED ACTS. You will keep the Property free from any liens or claims. You will not pawn or pledge the Property. You will not move the Property outside of the address you provided to us, and as updated, unless it is to return the OH 02/2021Page 4 of 9Document ID: a1285ec2-49aPHONE NUMBER AVAILABLEa20dfa5ec36Copy of Electronic Original document managed through the eCore on Demand (EOD) Service. Copy created on Mar. 26, 2021 11:42:10 AM MDT; Document Identifier: T:993139346-D:993139347. This is a copy of an original document held Certified Print copy of the document held by Snap RTO,, LLC with BMO Harris Bank N.A. as administrative agent. CopyofOriginalProperty to us, or our designee. To the extent use of the Property requires any minimum criteria for use, including for example a permit, license, or minimum age, you will not allow any improper use of the Property. As applicable, for any boat, motorized vehicle, or otherwise applicable, you will not permit any person, including yourself, to operate the Property while such person is impaired by drugs, alcohol or from any other cause. You will not use the Property for commercial purposes.WARNING: Unless you have acquired ownership of the Property, attempting to sell, pawn, or lien the Property is a breach of this Agreement and may violate state law.ASSIGNMENT. You may not assign this Agreement or transfer the Property without our prior written permission. We may assign all of our rights under this Agreement. Any person we assign it to may reassign it. ACCORD AND SATISFACTION. Any statement accompanying your payment to the effect that your balance is paid in full will not bind us. Our deposit of any such payment will not constitute an accord and satisfaction, and we may apply the payment to your account.INSURANCE. We do not require you to purchase insurance from us and we have not provided any insurance to you. RECEIPT. Upon your request, we are required to provide you with a written receipt for each payment made. GOVERNING LAW. The law of the state in which you reside when you signed this Agreement and applicable federal law will govern the Agreement and the interpretation of it, except that the Federal Arbitration Act expressly governs the Jury Trial Waiver and Arbitration Clause. You acknowledge that you reside at the address listed above on the Agreement Date. CONSUMER REPORT. You have authorized us to obtain one or more consumer reports on you in connection with this transaction.CREDIT REPORTING. We may report information to credit bureaus or other third-parties about your account, including late or missed payments, and any positive or negative account information may be reflected in your credit report. INDEMNIFICATION. You agree to indemnify us and hold us and our assignees, agents, and insurers harmless from all damages, injuries, claims, demands, and expenses, including reasonable attorney's fees to the extent permitted by law, arising out of the condition, maintenance, use or operation of the Property, including a claim under the strict liability doctrine.NOTICES. Notices may be given personally or sent by first class mail. Notice mailed to us must be sent to the address shown in this Agreement, or as we otherwise direct from time to time. Notices to us are deemed given when they are personally given or actually received at our address. Notices are deemed given to you when they are personally given or when placed in the mail, addressed to you at your address then shown on our records, even though you might not actually receive our mailed notice. You agree that 30 days' notice is reasonable, unless state law requires a longer period, in which case you agree that the state-required period is reasonable. You authorize us to send notices to your email address unless prohibited by law.JURY TRIAL WAIVER AND ARBITRATION CLAUSE. By signing, you agree to this Jury Trial Waiver and Arbitration Clause (Clause).Background and ScopeWhat is arbitration? An alternative tocourt.In arbitration, a neutral third party ("Arbiter") resolves Disputes in a hearing ("hearing"). You, related third parties, and we, waive the right to go to court. Such "parties" forgo jury trials. Is it different from courtand jury trials?Yes. The hearing is private and less formal than court. Arbiters may limit pre-hearing fact finding, called"discovery." The decision is final. Courts rarely overturn Arbiters. Who does the Clausecover?You, Us, andOthers.This Clause governs the parties, their heirs, successors, assigns, affiliates, employees, officers and directors, and Retailer or other third parties related to any Dispute. Which Disputes arecovered?All Disputes. In this Clause, the word "Disputes" has the broadest possible meaning. This Clause governs all"Disputes" involving the parties. This includes all claims arising from or related to your application and Agreements with us or the relationships resulting therefrom. This includes claims related to information you previously gave us. It includes all past agreements. It includes, as may be applicable, any additional periods, extensions, renewals, and plans. It includes claims related to damaged property, buyout, reinstatement, loss, damage, warranty, maintenance, collection, possession, privacy, and customer information. "Disputes" includes, but is not limited to, initial claims, counterclaims, cross-claims and third-party claims, and claims based on any constitution, statute, regulation, ordinance, common law rule (including rules relating to contracts, torts, negligence, fraud or other intentional wrongs) and equity. It includes claims that seek individual relief of any type, including damages and/or injunctive, declaratory or other equitable relief. It includes claims related to the validity in general of this Agreement. However, it does not include disputes about the validity, coverage or scope of this Clause or any part of this Clause. All such disputes are for a court and not an Arbiter to decide. But a Dispute about this Agreement as a whole is for an Arbiter, not a court, to decide.Are you and we waivingrights?Yes. For Disputes that you or we elect to arbitrate under this Clause, you and we waive (give up) our rights to:1. Have juries resolve Disputes.2. Have courts, other than small-claims courts, resolve Disputes. 3. Serve as a private attorney general or in a representative capacity in court or in arbitration. OH 02/2021Page 5 of 9Document ID: a1285ec2-49aPHONE NUMBER AVAILABLEa20dfa5ec36Copy of Electronic Original document managed through the eCore on Demand (EOD) Service. Copy created on Mar. 26, 2021 11:42:10 AM MDT; Document Identifier: T:993139346-D:993139347. This is a copy of an original document held Certified Print copy of the document held by Snap RTO,, LLC with BMO Harris Bank N.A. as administrative agent. CopyofOriginal4. Join a Dispute that you, we or other covered parties have with a dispute that others have. 5. Bring or be a class member in a class action in court or in a class arbitration. (The waivers in subparts (3)-(5) above are called the Class Action and Multi-Party Waivers). Can you or anotherconsumer start a classarbitrationNo. The Arbiter is not allowed to handle any Dispute on a class or representative basis. All Disputes that are arbitrated must be decided in an individual arbitration. You may not pursue any type of collective action or class action against us in arbitration.What law applies? The FederalArbitration Act("FAA").This transaction involves interstate commerce. Thus, the FAA governs. The Arbiter must apply substantive law consistent with the FAA. The Arbiter must honor statutes of limitation and privilege rights. The Arbiter is authorized to award all individual remedies permitted by applicable substantive law, including, without limitation, compensatory, statutory and punitive damages (subject to constitutional limits that would apply in court), declaratory, injunctive and other equitable relief (but only in favor of the party seeking relief and only to the extent necessary to provide relief warranted by that partys individual claim), and |
