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Cuyahoga County Court of Common Pteas A True B i Indicfrnent
Count 38
Defendants
Securing Wrftings by Deceptton - la'll
§2913.43(A)
Hakeem Sultaana, Natasha Reyes
Date of Offense On or about July 26, 2012 ......................... ._ ............. . . . ... ...........The grandjurors. on their oaths, f arther find that the Defendant(s) unlativfally
did, by deception, cause Loan Max to execute any writing that disposed of or encumbereti property,or by which a pecuitiary obligation was incurred.
7'he cijjense is contrary to the forr3-r of the statute in such case nnade and providecl and against the peac:e crnd dignity o,,"the Stcrle of
Ohio.
Count 39
Defendants
Tampering Nvitli Records - F3
§2913.42(A)(1.)
Hakeelii Sultaana, Natasha Reyes
Date of Offense On or about July 26, 2012_.. _. ..._. _ ...... , ... .r ... .... ....: .....,. ,. .._. ...^. ....... ... ...... .. ...,... .,.. ..... ....... _ . ._ ,
7he grandjurors., on their oaths, fr.rrther fand that the Defenda7^t(s) unlawfi.rtly
did, knowing she llad no privilege to do so, and with purpose to defraud or knowing she wasfacilitating a fraud on 13ureau Of Motor Vehicles, fa(sify, destroy, remove, conceal, alter, deface, orntutilate any writing, computer software, data, or record, to wit; Application for Duplicate title, andthe writing, data, computer software, or record was kept by or belonged to a local, state, or federalgovernmental entity.The affense is contrary to the fbrm of the stututein such case made and providerl, ancl against the peace and dignity, ofthe State of
Ohio.
C4unt 40
Defendants
Forgery - F5§2913.31(A)(3)
1-fakeem Sultaana, Natasha Reyes
Date of Offense On or about July 26, 2012......... :. ........... ..:.. _...
The grand jur•ors, on their oaths,further find that the Defe.ndr.nt(s) unlawfully
with purpose to defraud, or knowing that she is facilitating a fraud on 13ureau Of Motor Vehicles,did utter, or possess with purpose to utte.r, any writizig, to wit: Application for Duplicate title, thatNatasha Reyes knows to have been forged.
The pffnse is contrary to the form of the statute in such case madeand prc7vidPd, and against the peace and dignity of the State crf'
r5 ^
_..)Foreperson of the Grand Jurv Prosecuting Attorney
.,...._
Page 19 of 43
^
Loas^ & ^^cu*r°ity Agreernent
€qtertCity >=urFd{rtd Q;^ia LLCt_4 VdEia Roadsreelivil'eej 5C. 2961^
'Bora';i'drvr( s):SULTAA;I+J.r,, HAKEEM
4ij:''rc5a;1641Q SCOT"'" :^A.+„e'SHAKEP. G'•H 4,4120
^ C?f L E>:•' ?^Z? 01 2
! :+nt rar_' ^'t5?.-?I?lF}z
^ft;c;i. - M1^a"^ iA^TI^f.}L?.'--V; ^1.^'..^•igt'. 7
;;trS'iKs?
V ?N 1t fiJ-'=,I Ydi.tll=lflE-
ZFs^EQUIRED BY^E
ANNUALPERCENTAGERATE-rh'c.z.4:C,t :t Sfrv.3r t^led±Fnl;a ye^Irfy= rate,
372.^10/o>
Yazi.fr paymettt ^chedu$e vvll{ but
^.iwrn?^er of payment(5}^ cur.t of
239.;-
AMOUnt f'-iriancedThE ^1r:^^s t ^ rrY^p^^T?vik"'1I f^t'J+3.1 >:F ;ir^, Y'^i.ir
.i i
Totaf of Payments.Toe amniarit you rAil i,:ive;aaA after ati payrr^t ; ^, a,• ^rrt3d^" a5SE:hFcf:;3i:d
^2-,,23y> S.2
FiR6ng eet - ^^.tBC^;
^6LUV^^yi: yG,7lt tii'+' gM")Lj ?&":?+.lJ"j:y IrIFE^tFii: !tl i110 t^tJ,£Y ^E rifiC,^ C^? .7^6 ^ 3:!:+Ir7.PrLkj?avtb't£+SSt: Tf y n± y..cc?l off tiil5'-3eaYL
Late Chct£ ge" ArFYi '?;, w-,a1fS )r1 fi1(I r7tl or tj33' st Cht. L'lG= *'.>J? CiatC s;a% i. P SL'u'jet tt3 = ia''f-:' f&.:r'r^ M C':.CP}rl QfLA.t''fY'.Y`r Js^D:^4t^ ^Ctti. ^C:lt d!ild FnSt31 [("!1 e^t 3r,7? ` . . . . . . . . . . ^ . ..
c:.>C:ii f?t, :.^E`.fillita!'i3r rPt{;,^pfj ^`*`-TJc+}±c?Eli^ ii"s `FlI>c,f:''YY 9f+i .>'^"^'r^4<t^c!JO<.Zd,' -inNd filrgd93! Lr+^?f?; €lEt'[3+sl8^F^- .. .
_-,. . . _._.. _ . .__._......^^.--,.,.---- .. : ..:...r..wgrit^r)^ a^;^.-^ ^f L'n hrrnu<< EtE a^ e^.2.i,~^.lt^',i)^s .^:R1CikiTtiL ^^fVi:'tl t{'i 5^t731 G'^.Y£•^tiy'
^`;.Uh t^^ ^^° Amo4z t paE^ on }+C=ir ^ ^ rivrt0 [l Fa t;-S ^r^ s E,"L p i^ ^^>a,v .r,.rrt?7t fr+Ci^3 fi^ .. ^
( 1.rJvri^t_...?y i.L%..lkJli Li_S^.SI^^g 5{^`. .t . C. Clt t:iza•1^}'< ^J :cf. t FG
r65 .()<i, PLUS Lv;;+rs iH c^ (,sdt'nr1 Fr =
A rr?nu:rt o ! y^r; Lnl*j
i I'ii3 ,^fifi tigfEen)9yrjt; T"i't?7t1i iSL"1r'y' r<37`FLENDER on thc date wes, io^th atovp.
.2
3 ^
and ^C I^Y)i} fi ^P2£tf't?f1t ('1;^3c^1) l^a ^ dECiaif by a)kd 1?2^
Prorrtise to pay< r=^; v3:fu? teveiver;, BORR )<,Vr-R herpby,riami)ses ,c^ ^^y LENDER, n4C-Dzdti3O tntne P»yrrent S,hPdet,0^rict in 3he fc.rE>~t rsf a e;ro;'sey nder nr ;cil3fler^ tfle p^in^:^ a2 194,,* Yv^et^^^. ^>; t3t irrtert StCc^^C 13^. f 2° i^?^ snte a .f 24 F}'3 ;IC+?lr3YT1 + C3?'r +hU fih t,p :j rji O7E3{, fC?tN.reSt a tc f£'f7G Elr.r.;Ll• n^ any late ft=-5 G C`JIeF x:JaiSL'^ ^Y<C)^s^ 737 this Loan t yf^"^ tC-,nCtl $ E3F°
s+ tEpa C{ rlf: sums dG^"3a3'pki lt^u ia%; be ^i^^3C^ 1^JIi^?G:dt }7r!vi #erTla' d, 31^ki"L} or f t:^3]of Sea Ot{ 3!fid ^tlu^i bf paid by i'"'im£di'
.u'tf%'at aVai^,&r?' 7;uildS. BORR^IIr:i;:R, VYt'iha;.'J pef)n^ty, has `.hES rlgfli I,-) JSYef3:!4•y' th€' Lr.tc;3ti:q?eerrlUitt in fUli or irt part with no ^dd;#io^ z'; C!?RQ ^^t^ tResc'i ezrl. P{^F;R:^:r^ERrn3y
resc nd this da 3^ ss^or before t';e cl^s^^ ^ai kissi:e,v, on i;^:e thirr3t c)uir^^sv ^a,' fr;ltr.^vtng`l.!;a+3 rtq+f3C.`fI"1FrSt K'^'3.t t^'Xe^.,ittlyi^, blT^5Cs^iiZ,sf`-. ^nxl3s BORROWE^": 7TE £^^t:' d0V ZrJ^^$ to t i PJGER £'att r,'j it?? cr;g;rlaic:hu^k 1.hlGh LE NDER gave to to fund ? h?" 1oar7; c:" ^t:i' a 4fi 1i of f)"a4 ^1 ^y, I! the form of am:+l"f y ^ fa' d„f1.?l,-^tt d tJ;3; to °•^l'G a?:'.JL1I'St rJf t`^'f^ i."Ja,. CtC,. x? ,- ti Crs Lt £f CBFilrE^4 ^• +^^ ^ds c# 5^iu^;eC4 to C^O'r^rYO tX-R ,
letiterastcaIculatlon; Payment A.ppitcations. !rEt^^^^^ uroe'aT 3 c+w,.;^^reer)erit Ediz: be calrUlatedofn a"sirrrrjA fr?to-iris; ^AMsand staa€I ar;rr)ce oi ai;,^iiy rate i#'€l365th of it•re anmlal r atn of 24 '9'3% flT 1 lapl;ed by the unpaid baiar}ce kis each d:)p't:)a° 4rjyafEFflUiis I£; FiWEfI t? 3-&Nf3-E R. lfi+ssrt ,^'it shait f;;rnjlfi'^ tL^ GC.`Lds- affF;if(?f- stihedureR:i i+'atUrity Gf th'S L",t• t rl A,,^^"$E'fT1K`ilt CfT AYly ,^'J<`^a)at"f(;e that t"°1'1a;YSS t,ttij_%r'^id M:,?ay 7.z:a"1`S JE' c.pp3" ,'rPrstfG w?,` 3ro8t5± Ki'.,ff1 i„ENDEP z3fi
aal1Ci'el«'d bf tf>e;i accrus'i,^ai7i?i^s4, ^s;^ fi)»?'.y to ur"paid prin.eipa^
EXHIBITB "^^aur ln - °._ , .
TRUTH IN LENMI^^
FINANCECHARGE
$524.52
4, ^^,s: ^ t^rr° 1<,^: ^^ny R^^:^P er,t x:cti ^saic# itr fuli ari i^r ^r i^r^ tfa^ 1f?t' r^^;r aft^r ' t^ 5 EsFU^tc<c^ dur °ate s?^^rFi Lr^ sunie l t: ^ l:itrrnq 00 excned #t?^r,*a^t^r^f ^^^^ib . L(1^rP `>, Jtd ^1 0''0f $/1pF-iy t_tC a I^L7rref13lda;7#0 t.,oaf) CvfL^ECc^t^^tl ^_e 1E?t^ ':.r,te 1 Irl f h2krTruUnt 3"irt ^cf,d; vfricr vMl be fn °lur^e a:n t`Ie Prncapai:Arrtour;tC, fycu, i^an,.. ^^^urit^r tnta^rm^t t^ Co€3aterai. T vse^^ r^ Ct P^^^ 1^^R`S f^rltgnt3ar:s r^;)t^^r tt f:^ Loan !^y°ee np^t ai7d any ext ^nsic rf^ nrrkvn wuls ihor^ rf, Bt ?r i^`sr^^ hr^s^^y^ fa;-^rit^ t.^ LENDER aty f^tteresi in ttrw rn©tc^: tre l-'!i^#^,^^s ~rir tn abt^e (?kr^ s^^^ai^v^'^li, `)lE'), a%I r3C^^.ni$Jr)f^^ F^'$f^ c'3C79..."-Q^`,KrFi}rssta i,^'i'$S wl's.^tfJ; wFP.^31C.''5 r.^£'1 i^t^ "' ` CfS d^^ ; spt`nceeds or tefatzdst^f t9^uranua^ p• s : iu:^s re^ -f =d to + Motor
' ne frta ed 1r7e€etO, i;3^ttrtfar^g a#t tn^^rart^^Ar ^ r^nr '>i,t^ k^^ ,^^l'v'^f;i^{a3 F^Ei sta^ ^r,^^iPrt^ r^fv<r^^3 to t3^rei^ as "^^11z.?:ar^l"j.^^'^i=C^^e^^ri, aqr^^s to r^ir,^3^ur^e^ L^t^J^ i u^^,n i}s re^;^^s^ `ur^ny :'ost^. inrirrr°ad by t.^^^^:f? in i%^rf^ctsn^i:A ii^z; ^t'er4fnrdlng its ri-ght"'^ agarrst the CofiateraI at: Prr,vllad in this !oari ,wgcewnne<:t.
6;BO;;S^OWER'S Representations and YVarrarities, BCOPPC^'.f.ZR r-opresert, a,ts^warran#,* that ^^PRC:r'WwR has tne toenter iil;a this'Luarr AGr-s^nent, i s aiiea:5t M years of age, and urtizrV'ar;ds th,^t no c"rsditkr z ca,C6 1s off with tt',isLoaiiA AgrEe'.7}4;1t, B+.iP"ROI^'K' r^'¢2rE;-y?£'.tq;:1nv V.rT7"tc Rf.S ti3a'^ a f?fs^'.ti°it^¢''Y^^t^ifit"t,' i3C^t stG){?^n, }^?^sr3fis IfL'^F's4r f,'%'iraXid th^3 l 80 r^`^4 i ,`ER <'ir j Pz^7t c^tt£. ^ t to t£c3 r,f ns
tE SI ^FFi^'S8 T^i
^^^(^^^t^titnfor `Jehi 4.1^ ^rriii ai# 4zGk a^t;ons ^.rnd^r "t^i3 f^n.an F^q^^rnent haae^^^:n paid 3^^fu^^wr ^ t^>rr,^t ii^ rutaiot ^^u^ii^^g^ ti#t^ fij itt^
„^yf3nt of Default , `tt^e frl,#^^wt;rg ^rtst#tutw ^u^^'s ia f drfautt tir:d?r^#h>ti L^wan t1qr>~eziierit:s.'; BOf^^C^ .1t R sa?is to keep any c;;SORROWFR',3 p s~n,iso- under thisLoa^A^reefnertt, motud'ang but nottirrtiteaOne prvrrriFOto pa ;A^^af^^^ne (b) ar;yor 7rt€^rr3ra^xun q3ver to LENDER by r^OR!^:^l^E>=fts f^t"54f ^'ass ^ purs^aat^f ;
o tt^i^i^r^s'.:a,,^tsits aqr'asmE?nt +rr#th,a tnird•-purty^ CS^r (as rEefanr::ri het-ai^^ ^+;hieli to quarat;t^;e
S^:RE«^E^?'^^) ^n R^^?; ^^
:t=. Lt;f`lf3E1^'S #^(gfst^ in t^d Ev>Prst of t7efairit, iJpc±n the rne^urt^nC^; of any rvent of ^1r fa.:'k: EENOF.s^ may at iis dO O syone or rrcrrp, af thc decl^r^ t#^r^ wholeo: ftstar,din?^ ^tal^rx(:;~ rue ctrtder>?'s;s t_oas-, Agre'vnnent cfui^^ rnct ,ayab;e afonre arad prccend to vo tQst a4:tb) ioredlme Upon rts iien and Ifr.tttidatethe Coltaterai secu<ingLhis Lo^i) A'^ r'ee< ^law, inctuding ty us'.t^-g se+f ;netp rerGssrrsAi+^n, ;c y exer^.Fse L411, other rights, powers ^^c^^r^#^^ ^n^
^owers and rtvrr^ed«, t^i:^e„ by law; (tr^ re^:t^ver frc^;a)8sRf?.3Vt^R^ti cr^s#s and disbf^r^:efner^t5 inccr'ner;is3n ^^,rit.^ ansv sttEt to cok-'^^t a loarior't'iv tawf,at actMty toread:ze on iiswaaOrrty interest atter default, incrudirrg rea,snsWIe atjorrrey iees iracurYed by LENDER ias a zesvPt of then: s utt c?;° activity a nd ,'c;avt,<rh treLENDEF? f?n.++tced by f ard, artl.'ur ;ej pnc1 a!I of Li:NIDEP 'S I^ tpt^,;t in and to tiiis Loan A,grear-,os^f1.) ^i t#31rd party, thereby le'stirrg 3ti such third pafty all right;; powers and prlvileges of i^^NDER A ny de(ay byf.ENDC-t3 in exr;,ri^r<,crany or atE ^f fif^.ese rir^f^tsst^ai: not be 5 svaiver of'suc:h^i^hi:
Use of ^redtt Setvic;Orgarrint;s:n, If a por4inrr of {iie principal of thes koari is bern^ tiaid ortLO*^^Oa'^dE^^'S €^eerakfto a CreditSerb^st^ 0rganziti^.^n C'C'S^'.^), ^?ORf^O6°^F^' Oeretr^ ;:jr>~e. ^ .cr^ir,^5a[ir^r^ owed ^ n^ .x^ i;>lr; r^_tP ; ^.: ^^ ^ that sucn csraounfIS nr^; Fn+erpst t;eing pa'Ct to E.F;`dDER.b^.^; ratherrY: R ^tr^t ta .^ -^.^.,1 forserLi^es ;;^rr~^d to c^e,.veer^ s^scY^ ^si ^ies oP^atsas^e this Loan itgream;;nt_k^!r^E^OL1,f.^
ac;erY„srr.f•^ges 4t^d vnct°#s.ands tnat.a k^e paid to a CSO for arrartctir<q ti-ia loan (though reqr.;?rr~d to bf trAated as<^1 rrrsilPei dhap,'e for ti,#^ R}urrus^-s af federal law d(sClusures '3s shown above) is 1nr a sepa;ate :serr°!ce and rcit irateres for th^:purlpcses of ^htc fnw BORRt;'iWER herr-ts;r ^arrthcrrzQs LENDER to share nersa;,ai and credit r!7 ,; r,aticr> about q-r)Ff?OVV;"F?^lsft7 Cs^J.
W. Corr^rz9uf7ic.atic^n . Tf : LENDER +^sesa^u+ar^ ^tr^ te1ep^ir^,r{^: dial ing, text- "ress ^a ^^. ^ ag^'?^t S^'Sferns a^+^`,^t^^'"sr^t31 "*1a?i to ,^ravjdefs ^i.^' ^e, to its e93sfnmerS about pa;rrri^tst dUe .;i;;tyu, rnassed paymen-'s, oa.;er irnpo,rtar.°, irf r n,akion ahoui their rtc-cur3tarrucommercial rn?ssagas T^it^ ra,'ephor,; rr.essages arp- n1aveciby t; #r.act'rrne aPttom; tica€Iy when !he ; e' kenflarre is ar3svr'd-'ieL.wlietbf3f a'lsWL;'Gd by, 8OPROWER Ckrs {n7eonr gts?9: Thi.''Se I''^^°5^ ia$sf.3 1:te recorded Ly BOt^,t^^^ ^ ;n^n°^^':^'ii+?^''".'. z^5^1Rg:O^v'VEP iiU'e t^]f, L^^'`^^^t-^ ^'-^i? ,^.?T,:^
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^`rr^^'an :^ ^z ie^i ^;is ^rtc1 2Yfu EC>:P r" ^s ^^^ ^a a ny te tr^ pPtJnK^^i.tt,ib^#3r I i..MR(d''ePr GR fii^S given 10 r fle {,E+'^jDES; at fllEe t!rn^^ BORtttPivVER'S SClun was .3iCE.+!} C)l,g. : "'F? numberBORROWER 5^;bspqur;^tEy i;rca^i^Rs, ,gi7tl any' tp+s;;trt^ne ^^tlr^^r LENDER fdentiiis^ a^ t^c^n a:soi.:g at d laiti7 BORROWER'tirougfr sear>~,1-res of ublic record: BORR.}W^N;~r tuf-,ficoe gives Lr:N[3><h i^rmi^si-on to p,a'.r Pre:rer,o;ded massJrsu-s or sef3d tcx"r[messrycPe; wfth info rr,atiorr abnut SORROVtER ' S J`^vcovr.t and t;c:rnmgr;.ia° Ms:sss,ges ovr?r the ptinne t:, @he;>a numbers.BORROWER a#sr gives ti•e LENDER r^erni:sz nn 4o carntaiuniuats sus;h irifo"mzitieri to BQRr;O.',;Er•3 via e#ectronic mailf3^RROWER agrees tnat tt?e 1r^ NOFR w,7S not be ? :alj;e t6 f?OR'Pt0tf4.R l-^r artiy scr--h c.Os Te eiec@ronic cortiatur',rc,ativns, cwf°ntf some third P^,rt}' 3^ears c^r sees #hQ =rtf^,^rrnatt^r^ the LENDER cUs^rsauniF^tfis; B,^ t?^^5:^,tcf? ^ln^^rstt^rt fs that, .^^;^r4^,BORROWER rec^ Ev^s srr lh c.ails or :tecsrun,;: ct;rnrmjrP?r,at"seins; B0:RPOWER r<ray a ch^wc^e, from 1hte
company fhat'provIdesf3t,iRi^O V'1"RJ V^irRfess a'ads`or trafernst s^-ruires SORROw"VER, agr:;rs 2hat.ii,e LENDER h^5O^^ G abii,tv #^r s€r^:P BOPROArEP^ t njer~;fands that r^^R,RrWVF-R may rewoke BORRCMIER'S a^tt:^rizatfe,;t to Mcp"ive;``iese ra'i5, E-.wr.trvr?;c rna%'; or text n,wssages iar, a. y timE by a,t4Fti;7g ;,,., Lt-NO;wRFit; AUi`ODikl_ CALL OPT OUT, 84VjiS:a Raa(i0, res,rtvit3e_ SC0 296E 5th.. Genet-a4, ta) MORROV'r'^^ wi'I diepc)s t w;tf^ LIE'NUER a iiup'€catiws. NO of keys to Ikir? Motor O+er.ic'e upcrt 'exer.t"60t3 LoanAarerrment (b? ,f aif,v OeLk, ti€got'at3.'.e order o, w 'rthdra.k.rat, ;=ha^e d"a.ft, or cther S:t"gofieivt(n ?rr,s't't^rn^r t is rz;ti:;,rL.d crd'Shqf?c>rrf^ for at7y, ?Ga3or3, BORROWER arl-treeu to pay rr_NDEs=t a retorn>id check tee, ot a20.01) w!vs ar:^v atnounts Passed onby other f,r;ar,c(at instf'stei,^)?-s' ricAY^it€tfitar7c €nrt the forgr,in.9, LEt,;l[)ER sI:ail not ba undlerarly cD<:gataun to ar;y-Pf,ta check fz)r anypay ,ent, (c) BOR ROW;rf sha11 tear fhe aritire risk ct 3css t.7r damage '0 tt?e Motor Vehi^lo- w8,ife^ it is in E-3^RRO,v}JER'SPOssE-ssirrn and ag;!e,,-s to rri^^n^r.lf^r ^rt^ hotde. LENDER 17arsrless ifo;i; arsy and af', cfairrrs f(ir property darr,ages or ner,on@l `ir^lurEes arisinq froin trle rParatk^n o f t4h e t4r-^tor Ve,iicta, inciudin;bbt not t;tnitpd to, ^3; juctgf*.tent^, att^rney's fees, co^rt costsarct aa,y 6rtic.trrsu ^d) if mare tnar, ortt, E3CrtROV1ER executes #nis 3 ^4 n^^re^^^r?t, ear,+. S^^ROL^jER +,i3! i;t•^ jo;rrt1y
s3;rd severaIfyr tiabte re^ tirr, d^ uf the Assen^.;^a of this Lt^asr the i^^^tiesac^r^e tttr:t f#0P#?^3"^^;t=R siiauid not k^^^f+arg^et^ underil^is L;^^^, Aqretirnent more than the n;aheSt ratn of mtaro-st and fees fsFs`rc;t °j^'4;itiEyr may bp charg'zy by LEhtD-PP,artd fi»t shciu4d ziny aYrcurit t-a-^- paid 1 r-^ LENo f-ER in exoa^:5 of such 1egaE rate >.,ch ^xc+ s^ shaif t^ d^a,>,^wd :^ havr; beenredurt,c.rR >;;f'ha nrfn -^^paa k^aiarrve of tfre ir.^i^r^ ^,^rz}eme ;;t ^., ^ra^i^ in, artdir r ai: wrrrctr ' Etvf ^P ^^tt 11 bf2 ei3tittad ;oFSturz7;ti°fithot.t Prr:afty, +.rGon ncrtice ofovrsrcharge frcm 80f.^i:)W,1i 3; to LENDER, an^d (g) this Loa,-i :b,greyniterit c: rtstituEes tne rrr,tire# ;oatl
A^reenlfaTlt between the €;aO'es and no other i3qrLAi"neivt^ rEtt^" iCt^a C>7warfar3las CillE.' .h8i those ste!?Bd hef°i 1s,h;=t€k f,aebir ;,-, ng unless re-du ed ir),wrF€3 r,3 ar°r> s ire-d by bG' th pari't°^^
1i ^`+ss+gnrrrent E.ENDER. may assign orttansfe any or a
{^. czoverndr,g Lavrt; a n€areephiiit. Th,sicrnn AgMesrmnt st)a1; be c,,^nsirjjed t pp?iei and gaveme aby the 18,yvs of t'Fe Wtqte oft? This bAn & iar;tng myde pgrl€aEiy irz roii^ra^^ t^n €k^^ >^rc^^^^s^^€r^^ ^i=r^^^fon^ ^^^1^^ ( to ^f32i.Ei0 of tiie Ohfia Rev^^ te^4Cod^. The ut7er#rarct?aulliir of 'sr;^P ►fdity r:+, any Pr,rtta'; 0 ?€: fLoa i^r^^rn^rt rP,alf not reridt~s Lrte7-1fwc#a1« c3r in.>aisa iftorC^.'i7?atF^fln1^ ^^f^i.tsit'Ga ^T#J^f.li]^< ^
Arbftrat€onAgreemenf^
ARb'TTRATIS3N ficGREIEP$E1+97, nE,d,tub THiS AnSI7RATI(3N Bb&aRteMEN"3' CAREFULL'E+` AS T7"i1fIIf,L #11AVE ASUBSTANTZAi. IMff'ArT ON HOW E:ECiAi.. C'LARMS YOU AND LENDER HAVE AGAINST EACPB OTHER ARE RE`'OL.gfEi3.
Q€d MAi+E THE RIGFi'T' TO REJECT TiiYS ARtIITi'tAT"1ON A 'CREEMEN'C AS 83i SCkIffE1R ^ELt3;llt. Tf ycca do not a-e,jeclthts Arbitratiors d4gr®emeht arar^a Ctaflm Is arbitrated, neither you nor Lender butil have ihe right to;(1) have acourt or a jury decPde the Clarrvf; (2) engage in inf®ten at€Qr-a^at3^eriny (drscerv^t y ) t4^ the same extent as in cos^^(3) participate €n'a ciamss at-t€on, prrvage attorney gene'ra€ or otlter represenRagive actisan in court or tn srbigxts§:€onPor (4) ,9uirt *r cvrssoiidate a Ciairre with ciaifns ot`'any ratfier
pgmon. The right to appead Ys rnove if€m,iteci illar-bitra$azarithan In court nne# other rights In ^auti rr]aybe unavaifa#z)e oY [itriited'fr`i arbitiation.
Arbiar^qt"sDn Agr;=^ ;,^;?t dn"crAbe ian^ hfiw a ,.,'taim (ats; cSeft nc€i t_,elfJ4+r) ari^ ll^lr 11r1C€A7F'et?ftTe^3t Lt?t's'ri?p ^ ^ E T ^r 3^f^tE3 s tC"^^f L^3drePUa. <^Y"i^^ _Ilt"^5;.: t 1^^ il.°.. t?C^tQru^;fz^,^ %^+YiJlirh.i(f1i1 S.5 a rlnL4Fi,^.C^ t.i.^^'..j'.G;I71y
t^ls ^'=i(7 feQri: f'ir nt^f? ft^^',^fira€ per5t;rt^ t tst^a^.^ of ,av(;^g a tr ^,t in ^.otxr an fror,t" f yr mot,as it.d-d^@ 3fa^1.F^ ?FJ"?f, FC L^atl be a i;r7U'G sdi7apfar ,.+la7f ti]re,5titlre C}t3r.:utc^, ;?y sed t9"+ t1i1S {6''l7tf<.Vof3Aqte8n '.:^t9t, the terrYls^4'iE,°'?S'-'" anii '^r3ttT Rl^?rrl 4liQ I?^Crr't^^£ccbCL`L:
4Vhd^l^'r'^f iIf`?.^5"3T3tY 3 'r^171e..f SuFJ'"fdivTlt35, '^^.fflils3tcs,>^;t^
C^.'.fttt^'yyf,cgfr,Gahies sair #i s+rra^^ r^tr,^^ntes; n^gen:en£essors, zssigtZs a;ed n:zynt thor etrspiGypes, fi;ieers wad u{rectcr,. Fcrr- pt'rpD:aes f thisArbFtr;j;iai^Agreement, 4€*e^^w 'errtil; ^15u F^^aarl at7}e' CtirY^d party yrn,iz5ir•g at,-.r gaood5or sery,c.;s !r^ ronr,e ,-tian V^tfit^ ttls,s,rlgiritrt:xon,servtcanq or wojie>wt,nnof the Loart P^greQmen: (4^r e.;sy pris^r toa;l or Jaln^5We pri)vtdpd tio, 6^r;r^vl^r^ IfSucY, th1rJ pa ^^y isnorn+acf ax opFny by uor ,weY irs any betvkee:-t aarro,ver ,iod us: r=ar, i:, e porpcsc Tof €£tiNFyr',;'[r)k^on Ayxe^p_i:^esit.t4avurcis ",:xt" aru '9^a{sr meor, ear_ri arid .wu-err parrova-r Agreaneno-.a. Your Riight to fZeject: If you t+larl.* fln s, Ar Yr:tr^ti.;ri Aw>reernes:t to e€^'pi'^, yo^ ni^;^ re;e^^:t tly^ ra i,Z.+^trit£^r^ t^f^^,irr n^ri^'^'ssr^,iLf+^cu tsz.ir<: a?i aFt#T^ tw7t€^r>^ztnqs ^^
ar The datean:l yc{cunt num.i.r Ni' t pi to:,n, Agmemen*„^t ^^ n3Pt ^5r c:^re5a^s and (si7^,'^^ <Iwnbrr> l1f ea;.tl ^f y^'+ia.
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"hA rej,^, rtl r urt ce Ettu!^t nt sunt ra us at Arb1t ak9qn Ctpt Out ^^pa=104 Ra Lt3 Rwo>fE eL"tkoFY 2xit'!'eIS t>rtEp u}fet t;ve if Il i5 stg{.eC: by otl of j4u ti;d Lu5tgt)s?g'a and
I vr'eF ,^!i'Je it s.<t;'±ir, Iwe."#:y!-five t<5't,^,a^s P-fter hc- d.-ttx of tr^ taari Agr>nemr,t:, I( yra^r rejor.^ vlrqs firkraraCion A91€>e7r;pntr tG,i?i bulfi a.*r^,,({ any r}th^sprt7'1^sfi..^13 UF the (,ao(! ^`t'.I Et"?f'ii63C?t TJ'1'ti-i^' ^Stlkus of tf„P- LC)iflkqf'£;^'?'fSt'9ii, lt',^'a' 61SC.k Cat arfect ;_ ;ny pt6Uic?rsittc'fEL5S7'agrt_i'fT1k>T3t i'E_'t1'^t'C%';you AflQ uS 'Ni7t3'a S'4iii rE."."Foin Fi7 FiH r^,'t_f.ac3F1d efkC':`. ii 'y/(Gil {jont CepCt t'P'1s.^',r(,Et?'si;fiif3
A4rP.;(?teFtt, it YkGt^ tiFti effai2iv^e r'' :;fpd38 eaw 0i bs leon A{J3'e?Yfle)^• arf4,^ :'rfiisuve."seCn ^:r'4}` r°E4r3rt}jtra?1G17ar,reerr>?nt t±etween ',rou and us t'iar_ A^:'^f?1u nt^?rli^ts^bt a^yiEe^^l^.
i)- What Ctatms Are Crasrpred,z~iairY;" rTaeanfi at^y dalr:z: ;'isu+.,te a c^F:trc v^r^`I{ tsPic^u^r1 yLZ;,{ ^)-s iShat1;_=r
Pfk,57t Cj, ^^ ^S?F1t :3r ^ 1tUtY,, th ,t Gr, a 1-'i ^,<ay grjr>rs rorn or rcfat4^,s ;n the Loui7 Agr^em^,_G1;, ?ny pr;rjr Ir.+ar; 7ciar;sfr7J 7 lf.>p ti.}"a {.'^Frf.fliG k3P to tl t? Loc3 Agra m€-31i<t MI eXCYrt'I'l"rG?r.'` i^ ,^ C^l s`aC}t•lJ.r^a^^ c7sa:fi?^^.!.SC.fI'.£?,}1'4dfGC llltlf? l ri3ra1 C,r wFIrt13 r^ ^^ ^1 ',;f ri?s^u 1J/ 1.15: c°„"sj ..^Jt.hi of s!^I JcF ^^4 4.^:?u" u;;;.ttlfle c ti^iGl yF't' (., ^.s i i°G has ^'^ ^.t i3y "r ,^llyd^fr^t1:"t^5 }11
^ di'i" rld., the b{ciadeSt {iifirSlli`g-sCldsncil.tdC"lC7ival c$4tifYtS,r^O^^IYe'C^C^ ^r'ro ^5 r caf7',^^`II Y'd'^,^^,`^^r+ f Ci3frr^s ar^r.^ t ."it?ral, s4z'3t>5r€u^w^i $tidrj^hs b^fnnd ^'^ ^ ^^t,n^ 'Jf_^
5E:"3t^ of riGr^YbfGr3rSrlil ^',gre^'.r"S¢?n4,7P iriCtt 'ec d?S^`Jta' h,.9,'^?^ ^'p^i
CCN1Ct''ucr, cC:nSJ''!'.?d'o iFt '}tf.^f3tS , a;,y car;,5{It[}tifi3"1^ rtc7tUtrr t'cg'L+€3i"ICF? COff!?33C'fy C<5l7in Gr'; f?w u"nd. i3Cid
Ciafr17S j`C1J'f.°'r:yl"1e*y' :^innt5ites and if1311ti::t(v^- Cr (i2Crar;itot"tt rC(1}?f,Fto ,wevcr. 'Clairn" d»es no' ke.r+de ! 10 any JIs);utt ;r contrr?uNr>y about ursmpiaof ^his A,tdtrot;cnA rpe^rc ,t or any g;arr Otm=3f (G tTtOriy tvttki lirrlYs^r,+^>; rr,i^; r,cH4ai-t +ii>3ivc.r w i^ortfG i. _bwandfor thi s .ser,t?n,,e ; p0 ;uch Jt's{i tes Or r:r,r r .arst^s F,re for a rvurt- anc not -^_n arbxt:^t,,r tu. decide; ;i11 therxvr^^t€ng ot t+^4 ae^^ ,r,^sr or ra }^s7i^raa i^arseti:^s ^>} yyo^, or us, i:Gr ^?;^ar^p fi our rt^;'r.r to 8rtfnrc^? t:;:tr securf^ ^lP.te r..,^L ^'^ 1 irai3 s^'I ^'S.."e^i 111f) r'3nGe jriClY[ .^a+ 3C°t'Cf in frSlJrt
^ party. ^ ^'r
rorf^, using{ F . . ( : by i17L. ,.i81rt^ tJ G.31 tJ fTa t^ iR ^!f't- Jf ri^t<FQ ts!i? ..{fArG't ?6!Y'ftk^^^ r^^:^^3e.,^Fy (^l'n rl .}^1t ^
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tlo'?^+ not t.ilt^Y\,F'.Ilf :t^es t Ii^rdC^rj}:^r^es o r r^^CZ'I^tC'7r^? r^'liG'"^ of any ^ t^t'J; '.w ` N )arayf individual act.citn ; rouptsF. by y•u agaGrst s ir^ m,;,l1 rta;ri,s cout-tor vourcL at>'-, Qutva:orr cat;rl" if any.Btatitthat aC:ion is tt-ar,sF2rred, ra~rnoverf or :5)*,ealHC t:o a we Ciic-r, have t^;e r-.,ht r.., ch.r3s^:^r^G^rtacr,.c. ElecI;'nr^Arbltration; Starttng ^an Arti^^s°a€a F fi^ ^3cee^fi^rs g ^ tg^a , ;^r we Axis ,f ^.>',? ez to ar.,ii^`, r .Fp ;^. 1 a<°rG ^
C,JYJlr13 :^t? Q^^7°^i pGiC^j Ys t^j^re^1 Y63bce r^r the f71TG'tlt to s^ ^C,(w'"ltFCM til t'it `h?l tS r r' B(T,0tfOJ1':L% LC77SPLG d.r^:1^'.._tlQrl L7^^ ri^^rt^tiai:^"i^1 ^li fS; i^e ^+2^y t.r` g1`y'^t) tle '-rt'^' +:3t'.t?^tC^C' a i,.^, r'FSi3tt 1FeQCl filed ^! 6.^f?r`sl.fflj{ t he cfSi1S^SY or iYlt^'} r"^'S{^SE?Ct ^.!.2b ro Lgli. Ir^t_ ,r the iw t,Gt and it may tie W.i uy )r3p¢ f tzd tr, *i-ax! ?awsuit, Fr Lt74^3<IlCl9^'s^G'ei^Of$ riS^P^ i3-is71°d i)'ts sf;i 3^r# 4^ ^^1 l`^tC7p?^
p^-LI , w t4fC3F SC3ntr g a1"1 smR rsat( )11 P}l V 'l::? etef"t`cdurbl a1C#n?";or Inoo, qrAltatitop was GeI^d a€? p°rty 3s5erCsf"gthi C,aiTn fj. .t the partt sQs~f.lnFYt?
o'^i^F re^1E:f ^Fbtdi a CtiLiCi f3r an aE'^itrcl^o .,}i +^ i+ ^1't^`^'Sr5 35^i ? 1 Lfc g . rG f u^Tria^^,a or
^iv'>:IiG3 ;^ " `f?7 C; i1 ^ r vraf"tiii°`g tl?e c>^"G(ttdtli-tfi y^.,i'GCEedt eg . T ^is, c, }r31-1 assert a, ^ c':,ti•'tr 6^
we tNiCN9:-t-t ty MM9 a ttwvtrirk tU Oni';Val ?rfbft 3£?o';e MliLl't IS g^.at3tetf,by t^,e ccurY you wM he respaottlP fors.a&.'n3the arbit!raaan p°oceedir^y. 5i mtd3zl'1, ;f >vea^sRri a Ciasrragt %^-st Y^Um' G09+r%" you dsr'ti.`t a S l1f't$PP^^c i^T s"1gcsMF.t m ,±1'td we d?MCt Co aJ"i'ltrx#ttl that r::f,af7terdvG'ia rf ;•;' MiT'lC} Lt tdl^r9vrjf^i'jmilrws`rC['Y;ffrh iSgY,..,amG+ b'p ..vUt't,r'ou c+Jtii f''e recpo1 v$'i_'. r,r .r+f3c-t,.1g tbe aYi3tt,-=srlcY{
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CK^`d^^'L^i3CaMENTB'f StGNiN,°'-^ BELOW, YOU ACKt,3C3WLELGC THAT: (1) YOU HAVE READ 'i`N3S E1'dTI¥€.>F 3saRBIl°R&TIK3N AGRElEMENTCttFSiE:FU# Ll`; (2) YOU BiRX ENTERING Il3'#'6 't'HI5 Ak€£3I"fRA"t'ION RGREIf^ME1V"t VOLUNTARILY AND NOT INREU/tNCE ON ANY PR€3AAfSES OR REPR-E;^ENTAT.Id33+6S i?T ' HER THAN 7'HOSC- C'ONTAYNEI3 IN THIS A338ITR$xIt3NAGRF.EMENT; (3) YOU WTLL li3t5sE 3'FiE FtIGHT TO RLJEC7` THIS ARBITRATION Ad,^^^EMF-NT IN ACCORE384NCEW$7'H QeRRBtGRAP}3 {a} ABtul1PE; AND t 4) YOU 4AVE BEEN PlYO',fii'9FO WlTH A DUPLICATE CCjFY OF THIS€LRBYTRATkOid AGt^^EM^NT,
13oYruwer he^e^,r^ ag^^ees to repay t^is ;aar^rl^..acccs^-darfce ^vlth the terms aricf c^sr,zilt^ans con^€FtF d her8in arlcf es ta st^ ^erms
WARN(NG; The 1oars is rOt bnten€4ed to m-eet1ang-terrn fi nancial needs. The ioarrshould oniy be used to meetbmmedla^oshort rerme:'*?sh oacids. Refgnancing 4i^e l>r+an rther than pay1no the debt in fzi31 rr}-,ert due will require the, payaveont of additionaiRe7p^31},`d f";'trNUed^f E1^^ t.,,,^' tT aec?!c? serious if7z'SP.C;eai t'STids>7£p5, BLi'YowsT eL'ali:`sjiE ihlf3^fJF.f^ and bf';Iefiti of ^(^E?Cf1344Jt'',c baforfl'rrltp-6ng irs+o a JGan aqreert3fYnt. Other f6rrns of ss :srt f4zrrr
credif maE m,_,v be iess expo7s3ve xri kida afcan fPC>r7z at;oftfi^f ls^sti Lfdion Or frc-rr(a*? a^ or 6ertcfs; arredit card cay eadv-an,,,e, ai accoun; vs-:ih overdraft prs1(ectiGn, or ;3 sa'ary' advan,^e,
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i:y c"e3 fE3?.y: ,h.u,u F0, f;3is f,.itaRA4rr FnlCn^, tPia; means that F-cCCf74aP; :'AN Ee¢.'.3 FC pay a, e 51 54 fr ?i1 pIit4 ^^4P-.f3'i r r^f G;,c: vdl^^ ct^ tci!a`F'ra t"i af,{(f',f3Lz{-t to 1e?-r->; ri fi t iltv a". :?'r.N rE? T)P'lll.,i^a1 3Et tr>r ^+1r3rL+f'r2^ ^dtF vEfri^^' ^:': ^l f9q f3_1dr,,.e Gi 9,f;'5,P^4 _To avo l,''.e fl, .ta stz; idl haiE7s !-fip, t^o F'Cpvu9;" FfTo i3otf reducepr'rnc pa, i^afance.as muchas they arc- able b&czxe spplyfr,,91c;• r^efAnarico any semaintmg bal'ar:ce. A new tGan ofiRfnalion fee an,^
, iecf+t inJeztigu^;r n fee wM b^evv^?8f, ^:ach, s^ch ^aari, ^a^ther; if Borrower tlWized tk^^ser,'st.es of a'.hird a^^^Cradit ^ a f^l;,^ta]!1, G^^J`R'{^4a`e' rrii^y rati"r`r that ^:c^-r:^7as':y3:^d?25c^n?i fe^; #r*r any nE^,N i^:^s.^^i F r 3^rr ^; ;
PAC^E f, Gf=S
B1.JREAU OF MOTOR W-H1 CL.13 St ,.
REPORT OF INVESTIGATION ^^^^ ^^.:
Q
-E^
ASE # ASSIGN DATE ilNVESTIGATOR2012-45-1660 09/04/2012 Michael RussoOSP 12-1.26028-1100 Aaron Fulton
7Croo er Michael IyCcCarthSIiJBJEC'll (S) OF INVESTIGAT, ION I®li.A'l^IONS
see organizational chart *** see matrlx of charges
COMPLAINANTAndrew RosenIntegrity Funding Ohio LLC770-743-6740
BACKGROUND OF COMPLAINT C."
Andrew Rosen, owner of Integrity Funding Ohio LLC a roached Administrator Jenny Peck of theCuyahoga. County Title Bureau and advised that ^ve e loan customers were obtainiizg duplicate titlew'.after presenting their original titles to the loan officers during the application process. Ms. Peck isrequesting this agencies assistance regarding this matter.
RESULTS OF THE INVESTIGATION
The investigators found that 19 suspects, while being employed by or associated with an illegalentcrprise, did knowingly participate directly or indirectlv with the offenses of theenterprise through a pattern of corrupt activity. The time frame of this activity was
F= > 06/19/2012 through 1 l:/01/2012. The investigation revealed that Hakeem Sultaana AKAKevin Hughley is the facilitator. Sultaana organized and managed the illegal enterprisebya
recruiting the individuals
providing vehicles to be used during the application processproviding tz-ansportation to Loan Max, ACE Cash. Express, title offices, and scrap facilitiesproviding false inforgna.tioaa to the individuals to be used on Loan Max and Ace Cash. Express
loan applications
during the processing of the loan, Sultaana spoke with the individuals via cell phonem instructed individuals to obtain duplicate titles after securing a loan, stating that the original title
was lost andlor destroyedfunded the purchase of the duplicate titles
provided false bill of sales to individuals to obtain temporary tags^ sold vehicles to individuals without delivering a certificate of title and /or vehicle
controlled the money
Confidential Page l ot- 18
E^t^, ,.\- D!2/t7/04
ATTESTATIONto
Ohio AppliCation for Registration
L^11tISI0?^ OFIfIN "^NCEALlNS7fTJTiQ^aS
2012 JkN 30 AM 11>0 f
FOR PURPOSES OF THIS ATTESTATK'lIY, "AI'I'1LICANT" MEAN3 THE PERSON SEEICiNG, ANDSUBSEQUENTLY OBTAINING, REGISTRATION FROM TAE D"ION.
N"amc of Applicant as listed on MU filiug: Integrity Funding Ohio, LLC
Unique Identifier of ApplicanC NMLS # 873 8 4 8
If Applicant is not an individuaI, name of person executing this attestation on behalf of Applicant
C. Dan Adams
NLIQTE: the person executfng this attestation on beltraff of the ,4pplicant must be an individual to whom the rlpplacant hasdelegated authority in the company resolution at the end of thrs fomt. If the indfvaduul executiarg the MUfaling on behalf of theApplicant di"ers from the person executang this attestation, b-eth individuals must be named in the company resolution.
Under penalties of perjuey, I, the undersigned, to the best of my knowledge, do hereby acknowledge and attest that the MUapplication submitted on behalf of the Applicant via the Nationwide Mortgage Licensing System and Registry (NMLS) andany attachments sent directly to the Division of Financial Institutions (Division) and incorporated by reference herein constitutea complete, truthfu2, and correct statement of information requested by the Division.
I understand that any false or fraudulent representation or substantial niisxepresentation may be grounds for denial of anylicense or registration application pending with the Division or revocation of any license or registration granted by theDivision, and could result in other Iegai action initiated against me, including but not 4imited to criminal prosecution.
On behalf of the Applicant, I fiuther acknowledge and confirm:
• The Applicant has made the appropriate filings with the Ohio Secretary of State (OSOS) and that the company is inGood Standing. By so indicating, I understand I may be required to submit a certificate of Good Standing from theOSOS to the Division and that the Division will confiim the Appticant's filings with the OSOS.
• The Applicant has not engaged in unregistered act.ivity id a7location prior to the issuance of a certificate for thatlocation by the Division.
• T'he Applicant has obtained surety bond coverage in the amount and in compliance with the Revised Code provisionspursuant to which the Applicant is seeking registration. Name of surety bond company: N/A
Surety bond number:
• The Applicant understands the ongoing duty to provide updated information to the Division regarding any materialchanges on the apptication.
• The ongoing duty of the Applicant to provide notice to the Division if the Applicant, any five per cent or niore owner,officer, director, or other control person has been convicted or pled guilty or uoto contendre to any fetony ormisdemeanor criminal offense in any domestic, foreign, or military court.
• The ongoing duty of the Applicant to provide notice to the Division if the Applicant, any five per cent or more owner,officer, director, or other control person is sanctioned by any govetnment agency in conjunctiou with any ffinancialmatter, including personal or business related judgcnents.
• '1'he understanding that, in obtaining a certificate of registration, the Applicant,, any five per cent or more owner,officer, director, or control person, are familiar with, understand, and are bound by the applicable provisions of theRevised Code and Ohio Administrative Code.
l21t7r04
• The undeistanding that the Revised Code and administrative rules promulgated thereunder establish statutory conductstandards, affirmative duties and prohibitions in conjunction with the conduct of business under the certificate ofregistration.
• The understanding that the Appiicant must reasona.bly supervise the loan originators or mortgage loan originators itsponsors.
• The understand.iug that the Applicant wilf be required to pay, in advance, the costs of an exaniination of books andrecords located outside Ohio if such an examination is necessary.
• The understanding that the Applicant must renew its registration annually by December 3 1' and that a late renewalmay be subject to a tate renewal fee, administrative sanctions andlor c,ancetlation of the registration by operation ofIaw.
• The records pertaining to the registered business will be maintained pursuant to the applicable Revised Codeprovisions and that the Applicant remains subject to this requiremnt after the cessation of business and the surrenderor non-renewat of the registration.
• That the Applicant may be required to repeat these attestations, in who[e or in part, on subsequent filings submitted tothe DIvtsPOn.
January 25, 2012
Date
President/SecretaryPosition with the Applicant
COMPANY RESOLUTION
To be adopted by all companies for the purpose of demonstrating that the person signing documents and forms filed with, orsubmitted to, the [,livision of Financiat Institutions, Consumer Finance Section, has the company's authority to sign on behalfof the company. NOTE: it is not necessary for sole proprietors to submit a company resolution:
Integrity Funding Ohio, LLC
Name of Company
At a meetin g of its members, partners, managers, trustees or board of directorsOf Integrity Funding O^ LLC84 Villa Road, Greenvil.le, SC 29615 onthe 25th dayofJartuary
20 12 pursuant to tawfut notice of waiver thereof, and at which meeting a quorum for the transaction of business waspresent, the following was duty adopted:
"Be it resolved, that C. L'an Adams <Name ofIndividual and Company Title> or
(Name of Individual and Company Title)
of Integrity Funding Ohio, LLC
(Name of Company)
C. Dan Adams
Printed Name
42/t1109
Be authorized and directed by the Company's members, pattaers, tnanagem, trustees or board of directors, to execute andsubmit filings and forms for, and all acts amendatory ehcreaf and supplemental thereto, the Company, to the Division ofFinancial itlstEtutkoi73:'
E>FR'TTFICATT(4N
retaryof Znte2rity Funding Ohioa^t%n ,The undersigaed her^eby ceztifies tt^at hefshe is the % SecLLC ,$ company organized and existing under the laws of the State of ra x•Q ; that the foregoing is a true
4* members, p , managers, rrustees or board of directors ofand correct copy of a resolution duly adopted at a meetingthe company held on this 25t h^y of Janua:wov a12, at 44 rseetim.g a quonum was at all times present and
acting; that the passage of said resolutioa was in all r le^a )fd, ^sotu#ion is in full force and eff'ect.
By
C . Dan Adams
Printed Name
- Signature)
Date January
SUPPLEMENTAL REPORT OF INVESTIGATION
INTEGRITY FUNDING/LOAN MA.X
On 08/21/13, 1 spoke to Andrew Rosin of Loan Max regarding their procedure for attaching alien to a customer's title. Rosin stated that after the application process is completed by a
customer, the pertinent information is forwarded electronically to Integi.-ity Funding for approval.
Once Integrity approves the loan, Integrity forwards the information electronically to a third
party vender, Decision Dynamics Inc. (DDI), who is approved by the BMV. DDI then forwardsthe following information electronically to the BMV in Columbus;
• Loan customer's naine
• Vehicle Identification Number (VIN) * Year * Make * Model * Mileage
• Title number that was on the title that was presented by customer
• Control Number that is associated with the title• Loan notation request
At that time, the BMV forwards the information electronically to the title bureau of the
customer's county of residence. The county title bureau personnel then checks that the title is
active and the name corresponds with the active title. A lien is attached electronically.
CUSTOMER DECISION DYNAMICSINC. THIRD PARTY
VENDORCOMPLETES
APPLICATION
LOAN MAX
BROKER
FORIVARDS
CUSTOMER'S
APPLICATION
ELECTRONICALLY
TO LENDER
INTEGRITY
FUNDING INC.
LENDER
APPROVES OR
I)ISAPPROVES
APPLICATION
FORWARDS
CUSTOMER'S
APPLICATION
ELECTRONICALLYTO VENDOR
FORWARDS APPLICATION &LIEN NOTATION
ELECTRONICALLY TO BMV
BMV COLUMBUS
FORWARDS LIEN NOTATION
REQUEST ELECTRONICALLY
TO TILE BUREAU
TITLE. BUREAU
COUl'VTY OF RESIDENCE
REVIEWS LIEN NOTATION AND
ATTACHES LIEN TO ACTIVE TITLE
CUSTOMER
14IEMO TITLE
THE SULTAANA ENTERPRISE
VVI FN€SS LIST
------ ----- --^ri^1^I7AI IO'^ TITLE WITNESS- -----r3UREA,U OF STATE MICIIAEI, RUSSO
M:OI'OR VEHICLES INVI 3'ST[GATOR 12000 SNOW ROADINVESTIGATIONS PARMA, OHIO 44130
------------- BUREAU OP` STATE AAR-ON Ft7LTON -
MOTOR VEI-IICLES INVESTIGATOR 12000 SNOW ROADINVESTIGATIONS PARMA, OHIO 44130
,^----- - ---------- ------------ -- -OHIO STATE TROOPER Iv1ICHAEi. MCCARTHEY
HIGHWAY PA'I'ROL 12323 BROADWAY AVI;.* INVESTIGA`I'IONS GARI'IF,LI3 I-ITS, OH444125_ - ,
CUYAH:OGA `1'ITLE ADMINISTKA.I'IVE JENNY PECKRURI;AU ASSIS"I'ANT 1261 SUPERIOR AVE.
CLEVELAND, OHIO 44114
LOAN MAX
ll
S
REIiIARKS
V^
ACE CASI-IEXPRESS
MCMAHAN S,WRE CKIN G
CORPORATE . ..R{aSE1°;: AND,REWOPERATIONS 84 VILLAROADsSPECIALIS"I' GREENVILLI"', SOtTTH
CAROLINA 29615
;^RF^S^.NT L ^- 180 WASI GTC►^-ALLEY
ENTATIVE
REPRESENTA"I'IVE
I3EDMNJ 07)21
123 )1 GREENWAY DRIVESUITE 600
IRVING, TX 75038
3380 WE.ST 65 STREETCI..EVELAND, OH 44102
AGOS"I'I, AMY L3201 W 48TH ST
CLEVELAND, OI-I 44102
VICTIM
VICTIM WALLACE, JAMES3052 E80TII
CLEVELAND, OII 44103
vv` 4 a) -e
BUREAU O>; MOTOR VEHICLES * DIS"i'RICT II xNVESTIGATiONS PAGE l OF 3
7 v ! ^
;..;^
ORGANIZATION
WI"INESS PALCISCO, SUSAN3807 CECILIA AVE
CLEVELAND, 01144109
WITNESS SHAHADEII, MAItiALADDRESS: 4610 WICHITA
AVE CLEVELAND, 01-I 44144
TITLE '"rITNESSWITNE;SS BURRISS, TII?FANY A
510I GiIY AVECLEVELAND, OII 4412'7
WITNESS REYES, NATASHAI 3941 W23RDST
CLEVEI:,AND, OH 44109
----- ------------ --WI'I'NESS BARFIELD, ANGELA M1842 W 54TH ST'
CLEVELAND, OH 44102
WI'I`NESS SCAGGS, :FAMI-I~; L2663 WEST 41 ST
CLEVELAND, OH 44113
- ----- ------------WITNESS SMITH, LINDSAY C
4326 W 130TI-I STCLEVELAND, OH 44135
WI'I'NI SS ^^I AIVRF, ERICA J4604 WINT'ER LN
BROOKLYN, OH 44144
WITS RAMSEY, D:ANILL L3524 W 54TH ST
CLEVELAND, OH 44102
--i- - ------------- --WITNESS LENZ, STEPIIANIE A
2 305 PRAME AVECLEVELAND, OH 44109
WITNESS ELLS.WtJRTH, MICI-IELLE MADDRESS: 442 W MAIN RD
CC)NNI sAUT, OH 44030
WITNESS HLMPI-IREY. AVIS16221 THROCKLEY AVECLEVELAND, OH 44128
RE'VIARKS
BUREAU OF MOTOR VEHICLES * DIS"I'RIC"I' 11 INVESTIGA"TIONS PACiE 2 oF 3
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STATE OF OHIO, CUYAHOGA COUNTY FISCAL OFFICE
i, WADE STEEN, FISCAL OFFICER, WITHIN AND FOR THE COUNTY OF CUYAHOGA, STATE OF OH3O, DO HEREBY CERTIFY THAT THEFOREGOING IS A TRUE AND CORRECT COPY TAKEN FRQM THE PHYSICAL RECORDS OR AUTC?MATEL3 TITLE PROCESSING SYSTEMTITLE RECORDS IN THIS OFFICE, WHERE THE RECORDS ARE BY LAW REQUIRED TO BE i<EPT.IN TESTIMONY WHEREOF, I HEREUNTO SUBSCRIBE MY NAME AND AFFIX THE SEAL OF SAID COUNTY
THIS DATE OFJUN 2 5 2013
WADE STEENFISC ^.-QFFICERCUY HOGA COUNTY
^^(p(//,
DEPUTY CLERK
E :,
STATE OF 01110CU'YA1iOGA C®TINI'Y
WA1DE STEENCY.F,ILK OFCOURTs
YS1.Ali 11NdSdVIiE
1809705673
110255280
Issue Date08/09/2012
Property ID5J6IZE3H3 SAI,027245
Type
sw
08/09/2012 13:42:39