1. Accepts A, B, C & D credit loans

2. Performing & Non-Performing

3. No minimum or maximum loan amount

4. Flexible loans terms to 60 months

5. No * reserves (* small reserve for 30-60 days to allow for redirection of payments)

6. No recourse to dealer

7. No limit on the amount of loans that the dealer can sell under program

8. Loans DO NOT have to be current (Can be as much as 120 days past due)

9. Paying up to 90¢ + on the dollar (Based on customer aging statement and year of car)

10. Portfolio pricing in 24 hours

11. Funding in as little as 1 week

3. Collateral - Flexible - will consider older models

4. Mileage - Flexible - will consider higher mileage cars

5. Down payment - Minimum 10% cash or trade equity

6. Interest Rate - Minimum 18% Maximum - 28%

7. Monthly payment terms ONLY

1. Furnish a spreadsheet file via e-mail or on a floppy disk in EXCEL FORMAT detailing exact terms of all loans to be considered.

(See Sub-Prime Auto Loan Portfolio A-2 Program Spread Sheet / Floppy Disk Requirements)

2. A proposal will be provided based on the receivables identified for sale.

3. The entire process takes 7-10 days

The spreadsheet file or floppy disk in EXCEL FORMAT should contain the following:

Account Number

Loan Balance

Payment Amount

Original Amount of Note

Frequency of Payments

Frequency of Interest Payments

Type of Payments (Principal + Interest, Interest only,... etc.)

Next Due Date

Partial Payment Amount

Name & Address Info (names, address, city, state, zip, phone #) First & Last Name in separate columns

Social Security Numbers

Note Origination Date

Maturity Date

Date of last payment

Interest Rate

Original Terms

Payments / Term Remaining

Collateral Description an/or Code

Late Charges Due

Late Charge Calculation Method

Accrued Unpaid Interest calculated through current date

Number of Times delinquent (10, 30, 60. 90)

Original discount Amount

Rebate Amount or earned Amount

Original Terms

Payments / Terms Remaining

We would like this information in EXCEL Spreadsheet file format.

Please picture all date fields as mm/dd/yy.