You purchased from Amazon a bicycle made by Schwinn for your niece as a present for her 7^th On the Amazon web page for that bicycle, it clearly stated that "All Schwinn bicycles purchased through Amazon are subject to perfected security interests held by Chase Bank. THESE SECURITY INTERESTS MAY ADVERSELY AFFECT YOUR RIGHTS!"

After you fully paid for your purchase using Paypal, Schwinn defaulted on its loan obligations to Chase Bank, which were secured in part as collateral by the bicycle you purchased from Amazon.

From whom, if anyone, does Chase Bank have the right to repossess this bicycle?

1. You only
2. Your niece only
3. Both you and your niece, depending on who has possession of the bicycle
4. Neither you nor your niece