SETF.com 1-800-686-3494

[Pages:1]IMPORTANT INFORMATION AND NOTICES

FAIR CREDIT REPORTING ACT NOTICE: WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.

CONTACT US



Visit 24/7

1-800-686-3494

Monday - Friday from 8:00 a.m. to 6:00 p.m. ET.

Correspondence should be written on a separate sheet of paper

and should include your name and account number. Please send

any general correspondence to Southeast Toyota Finance,

PO Box 991817, Mobile, AL 36691-8817.

Need language assistance? We can help. Call us at 1-800-686-3494.

?Habla espa?ol? Puede configurar el idioma espa?ol como su idioma de preferencia en para nuestro sitio web y determinadas comunicaciones. Tambi?n puede solicitar ayuda en espa?ol cuando nos llame por tel?fono. Por favor, comun?quese con nosotros si recibe un documento nuestro en ingl?s y quiere que se lo expliquemos o que respondamos alguna pregunta sobre la cuenta en espa?ol.

ALTERNATIVE FORMATS AND ACCOMMODATIONS

If you need an alternative format or other reasonable accommodation to access communications, information, products, or services from SETF, please contact us at 1-800-686-3494 to submit a request or visit accessibility for more information.

SETF MONTHLY PAYMENT ADDRESS

FINANCE Southeast Toyota Finance PO Box 70832 Charlotte, NC 28272-0832

LEASE Southeast Toyota Finance PO Box 70831 Charlotte, NC 28272-0831

ADDITIONAL PAYMENT METHODS

1. : Register today and you can make monthly payments online.

2. Auto Pay: Sign up at or call us to set up automatic payment deductions from your financial institution.

3. Pay electronically from the website of your financial institution. Use this payee information:

FINANCE Southeast Toyota Finance PO Box 70832 Charlotte, NC 28272-0832

LEASE Southeast Toyota Finance PO Box 70831 Charlotte, NC 28272-0831

4. Telephone: If you need your payment credited immediately, call us to complete a debit card or check payment through our Automated Telephone Service. You must call prior to 4:00 p.m. ET Monday ? Friday to receive same-day credit.

5. MoneyGram* or Western Union*: MoneyGram - Receive Code = 2156 Western Union Bill Pay - Code City = Omni, State = AL

*Certain terms, conditions and fees may apply. Contact us for more information.

F INANCE PAYOFF INSTRUCTIONS

Obtain current payoff information at or call us; please have your complete account number or Social Security number available for the call. Make payoff check payable to Southeast Toyota Finance, and mail it to:

Regular Postal Mail Southeast Toyota Finance Lockbox #8881 PO Box 8500 Philadelphia, PA 19178-8881

Overnight Delivery Southeast Toyota Finance c/o Wells Fargo Bank Lockbox #8881 401 Market Street Philadelphia, PA 19106

We accept both personal and cashier's checks. A cashier's check will allow for faster processing.

Regular monthly payments should not be mailed to the payoff addresses shown above. Doing so may delay application of payment and late charges may be incurred.

LEASE PAYOFF INSTRUCTIONS

1. Obtain current payoff information at or call us; please have your complete account number or Social Security number available for the call.

2. Download the Odometer Statement and Security Deposit and Titling forms at , or call us.

3. Make payoff check payable to WOFC QI Exchange LLC to avoid processing delays and/or returned payment.

4. Mail payoff and completed Odometer Statement and Security Deposit and Titling forms to:

WOFC QI Exchange LLC PO Box 991817 Mobile AL 36691-8817

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We accept both personal and cashier's checks. A cashier's check will allow for faster processing.

You will be responsible for all applicable title, registration, transfer and agency fees, and related taxes.

Regular monthly payments should not be mailed to the payoff address shown above. Doing so may delay application of payment, and late charges may be incurred.

M ISCELLANEOUS CHARGES

M iscellaneous Charges may, to the extent permitted by applicable law, consist

of unpaid fees and expenses incurred on your account, including but not limited

to taxes, towing, repair bills, storage bills, fines and attorney fees. Refer to your contract for details and repayment obligations.

C HECK PROCESSING

When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. This electronic debit will be for the exact amount of your check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. DO NOT SEND ANY CHECK TO US DATED LATER THAN THE DATE YOU MAIL IT (A POST-DATED CHECK). ALL CHECKS ARE PROCESSED UPON RECEIPT. We are not responsible for checks lost or misdirected in the mail. We may re-present to your financial institution any payment that is returned unpaid.

BANKRUPTCY

If you are a debtor in a pending bankruptcy or if the underlying debt has been discharged in bankruptcy, this statement is not an attempt to collect a debt, but is only being sent for informational purposes. If you received a discharge in bankruptcy regarding this debt, you are not

personally liable for its payment. In the event a party to the contract files for bankruptcy protection, send all notices and correspondence to:

Southeast Toyota Finance Attention: Bankruptcy Department PO Box 991817 Mobile, AL 36691-8817

CREDIT REPORT DISPUTES

If you believe we have reported inaccurate or incomplete information to a credit reporting agency, you have the right to directly dispute that information by writing to us at Southeast Toyota Finance, PO Box 91614, Mobile, AL 36691-1614. Include 1) your name and account number; 2) the information you are disputing and why you believe it is incorrect; and 3) any documents to support your dispute, such as a credit report containing the disputed information, account statements, or a police report.

C ELL PHONES AND EMAIL

If you give us a cellular or mobile telephone number or email address, you acknowledge and consent to our use of 1) that telephone number to call you or to send you text messages with regard to this account, even if you incur a cost or charge for such telephone call or text messages; 2) auto-dialers and prerecorded messages in connection with any telephone calls made and text messages sent to you; and 3) that email address to send you messages about this account.

M ONTHLY STATEMENTS

This monthly statement is provided as a courtesy to assist you in making payments. Payment is required even if you do not receive a statement. Account balances shown on statements may not include amounts you may owe for fees or expenses incurred but not yet billed to your account.

APPLICATION OF PAYMENTS & PRINCIPAL REDUCTION (FINANCE ONLY)

We credit each payment received first to accrued Finance Charge, then to the unpaid Principal balance, and the remainder to unpaid charges.

For customers not enrolled in our Auto Pay Program: Funds received in excess of the Total Amount Due will be credited as stated above and will also be applied to future monthly payment(s) due. Your next billing statement may show that your account is paid ahead. To make a payment that reduces Principal only and is not applied toward any monthly payment(s) due, please make a check payable to Southeast Toyota Finance and mail it to PO Box 91052, Mobile, AL 36691-1052. Please include your account number and "Principal Only" on the memo line. Making a Principal-only payment will not satisfy your monthly payment obligation.

For customers enrolled in our Auto Pay Program: Funds received in excess of the Total Amount Due will be credited to the unpaid Principal balance.

N OTICE

Southeast Toyota Finance is a trade name of World Omni Financial Corp.

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