EXHIBIT 4.6(c)

                                CERTIFICATED NOTE

                         UAC SECURITIZATION CORPORATION

       3.95 % FIXED RATE ASSET BACKED NOTE, SERIES 2003-A DUE JULY 8, 2010

Unconditionally and irrevocably guaranteed as to scheduled payments of principal
       and interest pursuant to a debt service insurance policy issued by

                           MBIA Insurance Corporation

THIS  SECURITY HAS NOT BEEN AND WILL NOT BE  REGISTERED  UNDER THE UNITED STATES
SECURITIES ACT OF 1933, AS AMENDED (THE  "SECURITIES  ACT"),  AND THE ISSUER HAS
NOT BEEN REGISTERED UNDER THE UNITED STATES  INVESTMENT  COMPANY ACT OF 1940, AS
AMENDED (THE "1940 ACT").THE HOLDER HEREOF, BY PURCHASING THIS SECURITY,  AGREES
FOR THE BENEFIT OF THE ISSUER THAT THIS SECURITY MAY BE OFFERED,  SOLD,  PLEDGED
0R OTHERWISE  TRANSFERRED,  ONLY (A) TO A PERSON (1) THAT THE SELLER  REASONABLY
BELIEVES  IS A  QUALIFIED  INSTITUTIONAL  BUYER  WITHIN THE MEANING OF RULE 144A
UNDER THE  SECURITIES ACT PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A
QUALIFIED INSTITUTIONAL BUYER, IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE
144A UNDER THE SECURITIES ACT, (2) THAT IS A QUALIFIED  PURCHASER (AS DEFINED IN
SECTION  2(a)(51)  OF THE 1940 ACT),  (3) THAT WAS NOT FORMED FOR THE PURPOSE OF
INVESTING IN THE ISSUER (EXCEPT WHEN EACH BENEFICIAL  OWNER OF THE TRANSFEREE IS
A QUALIFIED  PURCHASER),  (4) THAT HAS RECEIVED THE  NECESSARY  CONSENT FROM ITS
BENEFICIAL  OWNERS WHEN THE  PURCHASER IS A PRIVATE  INVESTMENT  COMPANY  FORMED
BEFORE APRIL 30, 1996, (5) THAT IS NOT A BROKER-DEALER  THAT OWNS AND INVESTS ON
A  DISCRETIONARY  BASIS LESS THAN  $25,000,000  IN  SECURITIES  OF  UNAFFILIATED
ISSUERS AND (6) THAT IS NOT A  PARTNERSHIP,  COMMON TRUST FUND,  SPECIAL  TRUST,
PENSION  PLAN OR  RETIREMENT  PLAN  IN  WHICH  THE  PARTNERS,  BENEFICIARIES  OR
PARTICIPANTS,  AS  APPLICABLE,  MAY DESIGNATE THE  PARTICULAR  INVESTMENTS TO BE
MADE,  SUBJECT  TO THE  SATISFACTION  OF  CERTAIN  CONDITIONS  SPECIFIED  IN THE
INDENTURE  REFERRED TO BELOW, AND WHICH MAY, IN CASE OF ANY OF CLAUSES (1), (2),
(3),  (4),  (5) AND (6) BE  EFFECTED  WITHOUT  LOSS OF ANY  APPLICABLE  1940 ACT
EXEMPTION, OR (B) IN AN OFFSHORE TRANSACTION COMPLYING WITH RULE 903 OR RULE 904
OF  REGULATION  S OF THE  SECURITIES  ACT AND,  IN EACH OF CASE (A) AND (B),  IN
ACCORDANCE  WITH ALL  APPLICABLE  SECURITIES  LAWS OF THE  STATES OF THE  UNITED
STATES AND ANY OTHER APPLICABLE  JURISDICTION.  ANY TRANSFER IN VIOLATION OF THE
FOREGOING  WILL BE OF NO FORCE AND EFFECT AND WILL NOT OPERATE TO  TRANSFER  ANY
RIGHTS TO THE TRANSFEREE.

NO EMPLOYEE  BENEFIT PLAN AS DEFINED IN SECTION 3(3) OF THE EMPLOYEE  RETIREMENT
INCOME  SECURITY  ACT OF 1974  ("ERISA"),  WHETHER  OR NOT IT IS  SUBJECT TO THE
PROVISIONS OF TITLE l OF ERISA,  NO PLAN DESCRIBED IN

<PAGE>


SECTION  4975(e)(1)  OF THE  INTERNAL  REVENUE  CODE OF 1986 (THE "CODE") AND NO
ENTITY WHOSE UNDERLYING  ASSETS INCLUDE "PLAN ASSETS" BY REASON OF SUCH A PLAN'S
INVESTMENT  IN THE  ENTITY,  MAY  PURCHASE  OR HOLD  THIS  NOTE OR ANY  INTEREST
THEREIN,  EXCEPT AN INSURANCE  COMPANY  ACTING ON BEHALF OF ITS GENERAL  ACCOUNT
THAT  REPRESENTS,  WARRANTS  AND  COVENANTS  THAT (1) IT IS NOT A PERSON WHO HAS
DISCRETIONARY AUTHORITY OF CONTROL WITH RESPECT TO THE ASSETS OF THE ISSUER OR A
PERSON WHO  PROVIDES  INVESTMENT  ADVICE FOR A FEE  (DIRECT  OR  INDIRECT)  WITH
RESPECT TO SUCH ASSETS OR AN AFFILIATE  OF SUCH A PERSON,  (2) AS OF THE DATE IT
ACQUIRES  THIS  NOTE  LESS  THAN  25% OF THE  ASSETS  OF  SUCH  GENERAL  ACCOUNT
CONSTITUTE "PLAN ASSETS" FOR PURPOSES OF ERISA AND SECTION 4975 OF THE CODE, (3)
IT AGREES  THAT IF,  AFTER ITS  INITIAL  ACQUISITION  OF THIS NOTE,  AT ANY TIME
DURING ANY MONTH 25% OR MORE OF THE ASSETS OF SUCH  GENERAL  ACCOUNT  CONSTITUTE
PLAN  ASSETS  FOR  PURPOSES  OF ERISA AND  SECTION  4975 OF THE CODE,  THEN SUCH
INSURANCE COMPANY SHALL IN A MANNER CONSISTENT WITH THE RESTRICTIONS ON TRANSFER
SET  FORTH  HEREIN,  DISPOSE  OF ALL OF ITS  INTEREST  IN THIS  NOTE HELD IN ITS
GENERAL ACCOUNT BY THE END OF THE NEXT FOLLOWING MONTH, AND (4) THE ACQUISITION,
HOLDING AND DISPOSITION OF THIS NOTE OR INTEREST  THEREIN WILL NOT CONSTITUTE OR
RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER ERISA OR SECTION 4975 OF THE
CODE.

THE  PRINCIPAL  OF THIS  SECURITY IS PAYABLE AS SET FORTH  HEREIN.  ACCORDINGLY,
OUTSTANDING  PRINCIPAL OF THIS  SECURITY AT ANY TIME MAY BE LESS THAN THE AMOUNT
SHOWN ON THE FACE HEREOF.  ANY PERSON  ACQUIRING THIS SECURITY MAY ASCERTAIN ITS
CURRENT PRINCIPAL AMOUNT BY INQUIRY OF THE TRUSTEE.
<PAGE>


                         UAC SECURITIZATION CORPORATION

       3.95 % FIXED RATE ASSET BACKED NOTE, SERIES 2003-A DUE JULY 8, 2010

Unconditionally and irrevocably guaranteed as to scheduled payments of principal
       and interest pursuant to a debt service insurance policy issued by

                           MBIA Insurance Corporation

                                                            U.S. $120,327,809.42

     UAC SECURITIZATION  CORPORATION, a corporation formed under the laws of the
State of Delaware (the "Issuer"), for value received,  hereby promises to pay to
WACHOVIA CAPITAL MARKETS, LLC, as agent for Variable Funding Capital Corporation
and its successors and assigns, or its registered assigns, upon presentation and
surrender  of  this  Note  (except  as  otherwise  permitted  by  the  Indenture
hereinafter  referred to), the principal sum of one hundred twenty million three
hundred  twenty seven  thousand  eight  hundred nine Dollars and forty two cents
(U.S.  $120,327,809.42)  on July 8, 2010 (the "Final Maturity Date") as adjusted
upward or  downward  in  accordance  with the  Schedule  of Payments as attached
hereto, or upon the unpaid principal of this Note becoming due and payable at an
earlier date by declaration of acceleration, call for redemption or as otherwise
provided  below and in that certain  indenture  dated as of October 7, 2003 (the
"Indenture") by and among the Issuer,  Wilmington Trust Company, as trustee (the
"Trustee",  which  term  includes  any  successor  trustee  permitted  under the
Indenture),  and JPMorgan  Chase Bank, as paying agent and note  registrar  (the
"Agent"),  as  supplemented  by the Series 2003-A  Supplement to the  Indenture,
dated as of October 7, 2003;  by and  between  the Issuer and the  Trustee  (the
"Supplement").  The Issuer  promises to pay interest at the rate of interest set
forth  above on the  unpaid  principal  amount  hereof in U.S.  dollars  on each
Distribution  Date, as defined in the Indenture  (each,  together with the Final
Maturity Date and the Redemption  Date, a "Payment Date") in accordance with the
Indenture.  Interest  shall be computed  on the basis of twelve (12)  thirty-day
months. The interest so payable and punctually paid on any Payment Date, and the
principal  payable and punctually paid on any Payment Date, will, as provided in
the  Indenture,  be paid to the  Person in whose  name this Note (or one or more
predecessor Notes) is registered at the close of business on the Record Date for
such interest  preceding such Payment Date.  This Note is payable without relief
from valuation or appraisement laws.

     The  obligations  of the  Issuer  under this Note,  the  Indenture  and the
Supplement are secured, limited recourse obligations of the Issuer only, payable
solely from proceeds of the Series Collateral pledged under the Supplement, and,
to the extent  necessary,  the Policy  issued with respect to the Series  2003-A
Notes. If distributions on the Series Collateral (including, without limitation,
distributions  in  respect of any  liquidation  of the  Series  Collateral)  and
payments made by the Insurer under the Policy are  insufficient to make payments
on the Notes, no other assets will be available for payment of the deficiency.

     This Note is one of a duly authorized issue of Series 2003-A Notes due July
8, 2010 of the Issuer (the "Notes"),  limited in aggregate  principal  amount to
U.S.  $120,327,809.42  issued  and to be  issued  under  the  Indenture  and the
Supplement.
<PAGE>

     Reference  is  hereby  made  to  the  Indenture,  the  Supplement  and  all
indentures  supplemental  thereto  for a  statement  of the  respective  rights,
limitations  of rights,  duties and  immunities  thereunder  of the Issuer,  the
Trustee,  the Agent and the  Holders  of the Notes and the terms  upon which the
Notes are, and are to be, authenticated and delivered.

     Capitalized  terms used herein and not otherwise  defined herein shall have
the meanings set forth in the Indenture and the Supplement.

     Payments in respect of  principal  and  interest due on any Payment Date of
this Note shall be made by the Trustee or any Paying Agent,  subject to any laws
or regulations  applicable  thereto,  by wire transfer in immediately  available
funds in Dollars to an account of Wachovia Capital  Markets,  LLC as provided to
the Trustee in writing  from time to time.  The final  payment of  interest  and
principal  due on this Note shall be made (except as  otherwise  provided in the
Indenture)  only upon  presentation  and surrender of this Note at the office of
any Paying Agent appointed under the Indenture.

     The registered Holder of this Note shall be treated as the owner hereof for
all purposes.

     Except  as  specifically  provided  herein,  in  the  Indenture  and in the
Supplement, the Issuer shall not be required to make any payment with respect to
any tax,  assessment or other  governmental  charge imposed by any government or
any political subdivision or taxing authority thereof or therein.

     As specified in the Indenture and subject to the  conditions  therein,  the
Notes may be redeemed by the Issuer at the  direction of the  Insurer,  with the
consents of all of the Note Holders on any Payment Date; provided, in each case,
that the Notes to be redeemed are redeemed at the Redemption Price.

     If an Event of Default  shall occur and be  continuing  with respect to the
Series 2003-A Notes,  the Notes may become or be declared due and payable in the
manner and with the effect provided in the Indenture.  If any such  acceleration
of maturity  occurs prior to the Final  Maturity  Date of this Note,  the amount
payable  to the  Holder  of this  Note  will be  equal to the  aggregate  unpaid
principal  amount of this Note on the date this Note becomes so due and payable,
together  with  accrued  and  unpaid  interest  as of such  date on such  unpaid
principal amount at the Interest Rate.

     The Notes are issuable only in definitive,  fully  registered  form without
coupons in minimum denominations of $500,000 and integral multiples of $1,000 in
excess thereof.

     The Issuer shall arrange for the Note Registrar  (which shall  initially be
the  Agent)  to keep  the  Note  Register.  Title  to this  Note  shall  pass by
registration in the Note Register for the Notes.

     No service charge shall be made for exchanging or registering  the transfer
of this Note,  but the Trustee may require  payment of a sum sufficient to cover
any tax or other governmental charge payable in connection therewith.

     The remedies of the Trustee,  the Agent or the Holder  hereof,  as provided
herein  or in  the  Indenture  and  the  Supplement,  shall  be  cumulative  and
concurrent  and may be pursued  solely

<PAGE>


against the Series  Collateral  and the  Insurer.  No failure on the part of the
Holder,  of the  Trustee  or of the  Agent in  exercising  any  right or  remedy
hereunder or under the Indenture or the Supplement  shall operate as a waiver or
release  thereof,  nor shall any single or partial exercise of any such right or
remedy preclude any other further  exercise thereof or the exercise of any other
right or remedy hereunder or under the Indenture or the Supplement.  None of the
Holder of this  Note,  the  Trustee  nor the  Agent  may  cause the  filing of a
petition in  bankruptcy  against the Issuer for failure to pay amounts due under
this Note, the Indenture or the Supplement.

     THE  INDENTURE,  THE  SUPPLEMENT  AND  THE  NOTES  SHALL  BE  CONSTRUED  IN
ACCORDANCE  WITH, AND GOVERNED BY, THE LAWS OF THE STATE OF NEW YORK  APPLICABLE
TO AGREEMENTS MADE AND TO BE PERFORMED THEREIN WITHOUT REGARD TO THE CONFLICT OF
LAWS PRINCIPLES THEREOF.

     Unless the  certificate of  authentication  hereon has been executed by the
Trustee by the manual  signature of one of its  Authorized  Officers,  this Note
shall  not be  entitled  to any  benefit  under  the  Indenture  or be  valid or
obligatory for any purpose.

<PAGE>

     IN WITNESS WHEREOF, the Issuer has caused this Note to be duly executed.

Dated as of October 7, 2003

                                         UAC SECURITIZATION CORPORATION


                                         By: /s/ Treg Bauchert
                                            ----------------------------------
                                         Name:   Treg Bauchert
                                         Title:  President


<PAGE>


                          CERTIFICATE OF AUTHENTICATION

     This is one of the Series 2003-A Notes referred to in the  within-mentioned
Indenture and Supplement.

                                         WILMINGTON TRUST COMPANY, as Trustee


                                         By: /s/ Michael W. Diaz
                                            -----------------------------------
                                             Authorized Signatory

<PAGE>


                                 ASSIGNMENT FORM

   For value received _____________________________________________

   hereby sells, assigns and transfers unto



     __________________________________________________________

     __________________________________________________________
     Please insert social security or other identifying number of assignee

     Please print or type name and address, including zip code of assignee:

     the within Note does hereby irrevocably constitute and appoint
     _____________________ Attorney to transfer the Note on the books of
     the Issuer with full power of substitution in the premises.

   Date:                  Your Signature:
        ----------------                 --------------------------------
                          (Sign exactly as your name appears on this Note)

<PAGE>


                    SCHEDULE OF PAYMENTS IN CERTIFICATED NOTE

     The following exchanges of a part of this Certificated Note have been made:

<TABLE>
<CAPTION>

                                                                          Principal Amount of
                           Amount of Decrease                              this Certificated        Signature of
                           in Principal Amount   Amount of Increase in    Note following such    Authorized Officer
                          of this Certificated    Principal Amount of        Decrease (or        of Trustee or Note
    Date of Exchange              Note           this Certificated Note        Increase)              Registrar
--------------------------------------------------------------------------------------------------------------------
<S>                       <C>                    <C>                      <C>                    <C>

</TABLE>