EXHIBIT 4.6(d)

                                CERTIFICATED NOTE

                         UAC SECURITIZATION CORPORATION

          4.15 % FIXED RATE ASSET BACKED NOTE, SERIES 2004-A, CLASS A-1
                                DUE May 8, 2009

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
OR 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 AND THE RULES AND REGULATIONS THEREUNDER),  (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 1 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 OR 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

          4.15% FIXED RATE ASSET BACKED NOTE, SERIES 2004-A, CLASS A-1
                                DUE May 8, 2009

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. $29,485,362


     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 twenty nine million four hundred
eighty five thousand three hundred sixty two Dollars (U.S.  $29,485,362)  on May
8, 2009 (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
2004-A  Supplement to the  Indenture,  dated as of April 8, 2004, 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  2004-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.


<PAGE>

     This Note is one of a duly  authorized  issue of Series 2004-A,  Class A-1,
Notes  due  May 8,  2009 of the  Issuer  (the  "Notes"),  limited  in  aggregate
principal amount to U.S. $29,485,362 issued and to be issued under the Indenture
and the Supplement.

     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 2004-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.


<PAGE>

     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  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 April 8, 2004

                                        UAC SECURITIZATION CORPORATION


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




<PAGE>



                          CERTIFICATE OF AUTHENTICATION

     This is one of the  Series  2004-A,  Class  A-1  Notes  referred  to in the
within-mentioned Indenture and Supplement.

                                        WILMINGTON TRUST COMPANY, as Trustee



                                        By: /s/ James J. McGinley
                                           -------------------------------------
                                                 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)



                                       8
<PAGE>


                    SCHEDULE OF PAYMENTS IN CERTIFICATED NOTE

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

<TABLE>
<CAPTION>

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

</TABLE>