RETAIL INSTALLMENT CONTRACT

RETAIL INSTALLMENT SALE AGREEMENT / RETAIL INSTALLMENT

OBLIGATION / SECURITY AGREEMENT
SUBJECT TO STATE REGULATION

SELLER (CREDITOR): Verizon Wireless Services LLC (Verizon Wireless)

One Verizon Way, Basking Ridge, NJ 07920 (800) 922-0204

INSTALLMENT SALE AGREEMENT # 1785477203

BUYERS NAME Alex Barajas
BUYERS PHONE NUMBER 3239456891
BUYER/ACCOUNT OWNER'S ADDRESS 1073 N Batavia St #B, Orange, CA 92867
DESCRIPTION OF GOODS IPHONE 14 PRO MAX SPACE BLACK 256GB/MQ8T3LL/A
(Device)
TRANSACTION DATE 03/16/2023

YOU, meaning the Buyer named above, agree to pay US, the Seller/Creditor named above, the Total Sale Price of the
goods identified above according to the terms of this Retail Installment Sale Agreement/Retail Installment
Obligation/Security Agreement (the Device Payment Agreement).

ANNUAL FINANCE CHARGE AMOUNT FINANCED TOTAL OF TOTAL SALE PRICE

PERCENTAGE RATE PAYMENTS
The dollar amount The amount of credit The total cost of Your
The cost of Your the credit will cost provided to You; or on The amount You will purchase on credit
credit at a yearly You Your behalf have paid after You including Your down
rate have made all payment of $0.00
payments as
scheduled
0% $0.00 $1199.00 $1199.00 $1199.00
Your payment schedule will be:
Number of Payments: 36
Amount of Payments: Payment 1:$33.30; Payments 2-36: $33.30
When Payments are Due: monthly starting on 04/25/2023
SECURITY. You are granting to Seller/Creditor a security interest in the Device.
LATE CHARGE. Payments received 15 or more days after Your due date may incur a late payment fee of up to 5%
or $5, whichever is less.
ADDITIONAL INFORMATION. Please see Your Device Payment Agreement terms for any additional information
about nonpayment, default, any required payment in full before scheduled payments dates, and prepayment terms.

ITEMIZATION OF AMOUNT FINANCED $1199.00

(A) CASH PRICE (excluding tax) $1199.00
(B) DOWN PAYMENT (if applicable) $0.00
(C) FINANCE CHARGE $0.00
(D) TAXES* $92.93
(E) AMOUNT FINANCED $1199.00
* Not included in Amount Financed

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 DEVICE PAYMENT AGREEMENT TERMS
1. DEVICE PAYMENT AGREEMENT. THIS DEVICE PAYMENT AGREEMENT REQUIRES THAT YOU MAINTAIN
SERVICE WITH VERIZON WIRELESS UNDER YOUR CUSTOMER AGREEMENT. ALTHOUGH YOUR
CUSTOMER AGREEMENT IS A SEPARATE DOCUMENT, EXCEPT AS PROHIBITED BY APPLICABLE LAW,
THE WAIVERS AND LIMITATIONS OF LIABILITY, DISCLAIMER OF WARRANTIES, AND OTHER
PROVISIONS OF YOUR CUSTOMER AGREEMENT ARE INCORPORATED BY THIS REFERENCE IN THIS
AGREEMENT, AND SHALL SURVIVE TERMINATION OF YOUR CUSTOMER AGREEMENT. ADDITIONALLY,
ANY DISPUTES UNDER THIS DEVICE PAYMENT AGREEMENT SHALL BE RESOLVED IN ACCORDANCE
WITH THE DISPUTE RESOLUTION PROVISIONS IN YOUR CUSTOMER AGREEMENT UNDER THE
HEADING: HOW DO I RESOLVE DISPUTES WITH VERIZON WIRELESS, WHICH TERMS ARE
INCORPORATED BY REFERENCE. SPECIFICALLY, YOU AND VERIZON WIRELESS BOTH AGREE TO
RESOLVE ALL DISPUTES UNDER THIS DEVICE PAYMENT AGREEMENT ONLY BY ARBITRATION OR
SMALL CLAIMS COURT AND YOU WAIVE ANY RIGHT TO A JUDGE OR JURY IN ANY ARBITRATION.
2. PAYMENTS. Payment is due as stated on Your bill. IF WE DO NOT RECEIVE PAYMENT WITHIN 15 DAYS OF
THE DUE DATE, WE MAY CHARGE YOU A LATE PAYMENT FEE OF UP TO 5% OF THE UNPAID BALANCE
OF YOUR BILL OR $5, WHICHEVER IS LESS, except where prohibited by law. Your specific payment schedule
is provided on page 1. Returned checks will be subject to a fee of up to $25, except where prohibited by law.
Payments You make will be applied first to balances due under Your Customer Agreement and then to balances
due under this Device Payment Agreement. If You have more than one device financing agreement with Verizon
Wireless on Your account, payments will be applied to the oldest one first, and then to more recent ones in order
of age; if two device financing agreement with Verizon Wireless are entered into on the same day, the one added
to Our system first will be deemed older. Your payment schedule is determined by the date that You accept these
terms and conditions, which allows Us to apply charges to Your bill. If You order a Device that is not available for
shipment at the time of order, We will provide You with a payment schedule based on Our best estimate of when
Your Device will be shipped. Your first payment will not be due until the Device is shipped. For any Device not
available for shipment at the time of order, You agree that We may update the estimated payment schedule when
Your Device is shipped, and We will provide the new payment schedule to You in writing. Additionally, if a delay in
accepting this Device Payment Agreement or activating Your Device results in any charges becoming due on a
date(s) later than the payment schedule, We will provide You with an updated payment schedule on Your bill. If
You do not activate Your Device within 45 days of receipt, it shall be considered an event of Default subject to
Section 6 of this Device Payment Agreement. If Your Device qualifies for an early upgrade offer, visit
verizonwireless.com/upgradeterms for further details, terms and conditions.
3. PREPAYMENT: You may pay the total amount due under this Device Payment Agreement at any time before the
final scheduled payment is due, and You will not have to pay a penalty. If You pay more than the monthly
payment due any excess amount You pay will be credited to Your account, and applied to any future charges
pursuant to Section 2 above.
4. SECURITY INTEREST. You are granting to Us a purchase money security interest (PMSI) in the Device and any
or all cash or non-cash proceeds of the Device (including, as applicable, any substitutions or replacements), to
secure Your payment and performance of Your obligations under this Device Payment Agreement (collectively,
the "Secured Obligations"). The PMSI You are granting to Verizon Wireless is subject to the Uniform
Commercial Code in effect in the state of Your billing address indicated on this Device Payment Agreement at the
time it is signed.

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5. RISK OF LOSS: INSURANCE. You bear the entire risk of loss, theft or damage to the Device from any cause
during the term of this Device Payment Agreement. Even if the Device is lost, stolen or damaged, You remain
obligated for the total Amount Financed. We recommend that You obtain property insurance on the Device. You
may obtain property insurance from others for the Device purchased under this Device Payment Agreement.
6. DEFAULT AND REMEDIES. You are in default under this Device Payment Agreement if You fail to make any
required payment when due or within fifteen (15) days of the due date; You terminate Your Customer Agreement;
We terminate Your Customer Agreement for good cause; You breach any covenant, representation or warranty
hereunder which is not cured within ten (10) days after written notice to You; or We terminate Your Service for
breach (each a Default). To the extent permitted by applicable law, upon a Default We have the right to require
You to pay immediately the entire remaining balance in full under this Device Payment Agreement, and to pay Us
actual and reasonable costs of collection. In addition, to the extent permitted by applicable law, upon a Default
We may (a) take possession of the Device, (b) sell, lease or otherwise dispose of the Device, and/or (c) exercise
all other remedies available to a secured party under the Uniform Commercial Code in effect in the state of Your
billing address indicated on this Device Payment Agreement at the time it is signed or other applicable law. We
will give You notice of Our intent to exercise Our rights as required by applicable law.
7. ASSIGNMENT. We may, without Your consent, and without giving You notice, assign or transfer this Device
Payment Agreement or any payment or any other sums due or to become due hereunder. In such event our
assignee will have, to the extent transferred or assigned to it, all Our rights, powers, privileges and remedies
under this Device Payment Agreement. You agree You will not assign this Device Payment Agreement or any
interest in it and will not sell or transfer, or offer to sell or transfer, or enter, or offer to enter, into any lease with
respect to the Device covered by this Device Payment Agreement without Our prior written consent.
8. MILITARY LENDING ACT DISCLOSURE. If You are a member of the active military, or a spouse or dependent of
the active military, the following apply (the federal government requires Us to provide this notice to You even
though we do not assess any of the fees referenced below): Federal law provides important protections to
members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the
cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual
percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The
costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit
transaction; any application fee charged (other than certain application fees for specified credit transactions or
accounts); and any participation fee charged (other than certain participation fees for a credit card account).
Please refer to the Truth In Lending Act disclosures in this Device Payment Agreement for information regarding
Your monthly payments. To hear this statement of rights under the Military Lending Act, please call 800-922-0204
and mention Military Lending Act.
9. ELECTRONIC ACCESS TO DEVICE PAYMENT AGREEMENT/OTHER COMMUNICATIONS. By signing below,
You acknowledge that You have access to Verizon Wireless' Website at www.verizonwireless.com , where a
copy of this Device Payment Agreement and related privacy and other communications will be provided to You.
You also consent to receive account-related communications in an electronic format, such as by email. If You
want a paper copy of this Device Payment Agreement, You may ask Your sales representative to email or print a
copy for You.

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10. BUYER'S RIGHT TO CANCEL. If You do not want the Device purchased under this Device Payment Agreement,
You may cancel this Device Payment Agreement by contacting Verizon Wireless by phone, online, or in person
within 30 days of Your acceptance. You must return Your Device pursuant to Verizon Wireless Return Policy
available at www.verizonwireless.com to obtain a refund. If You do not return Your Device within the return
period, You will be charged for the Amount Financed for Your Device.

NOTICE TO BUYER/STATE SPECIFIC PROVISIONS:

1. Do not sign this Device Payment Agreement before You read it or if it contains any blank spaces for
information that is available at the time You sign this Device Payment Agreement.
2. You are entitled to a completely filled-in copy of this Device Payment Agreement at the time You sign it.
Keep it to protect Your legal rights.
3. Under the law, You have the right to pay off in advance the full amount due at any time, and in doing so
You may receive a partial rebate of any finance charges. If You desire to prepay the full amount due, the
amount due will be furnished upon request.
4. By signing this Device Payment Agreement, You are granting to Verizon Wireless a purchase money
security interest in the Device and any or all cash or non-cash proceeds of the Device, which will
continue until Verizon Wireless has received payment in full of the Secured Obligations.
5. You have the right to redeem the property (Device) if repossessed for a Default and, to require, under
certain conditions, a resale of the property (Device), if repossessed.
6. We have no right to unlawfully enter Your premises or commit any breach of the peace to repossess
goods (Device) purchased under this Device Payment Agreement.
7. If You are in Default under this Device Payment Agreement, We may take possession of the Device and
may sell, lease, or otherwise dispose of the Device to satisfy any unpaid Secured Obligations.
8. This Device Payment Agreement is covered by state and federal laws, and You have the rights of a buyer
under such laws.
9. 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
UNDER THIS DEVICE PAYMENT AGREEMENT OR WITH THE PROCEEDS HEREOF. RECOVERY
HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
10. This is a Retail Installment Sale Agreement/Security Agreement and not a lease. We have a limited return
policy. Please ask for details.
11. DISTRICT OF COLUMBIA: Seller certifies that the information contained in this Agreement complies with
the District of Columbia Municipal Regulations, Title 16, Chapter 1.
12. SOUTH DAKOTA CUSTOMERS: If there are any improprieties in the making or servicing of this Device
Payment Agreement, please contact the South Dakota Division of Banking: South Dakota Division of
Banking 1714 Lincoln Ave, Suite 2, Pierre, SD 57501 (605)773-3421
13. Illinois Customers: The Illinois Predatory Loan Prevention Act ("PLPA") prohibits an installment sales
agreement that imposes a PLPA Annual Percentage Rate ("PLPA APR") exceeding 36% on the unpaid
balance of the amount financed. Any installment sales agreement with a PLPA APR over 36% is null and
void and may not be collected. Disclosed APR may be lower than PLPA APR.

I agree to all the terms and conditions of the Retail Installment Sale Agreement/Security Agreement (RISA),
including my obligation to make the monthly payments described on page 1 of my RISA, my right to cancel
within thirty (30) days, and my grant of a security interest to Verizon Wireless in the device.

Verizon Wireless Services LLC 03/16/2023

Retail Installment Sale Agreement/Security Agreement accepted by ALEX BARAJAS at

VZ Best Buy#0947 Orange on 07/01/2023; 12:56 AM UTC

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