##### 



Exhibit 4.3




---



##### 



PageARTICLE I Definitions
    
    
    1Section 1.1
    
    Definitions
    
    
    1Section 1.2
    
    Other Definitional Provisions
    
    
    18ARTICLE II Conveyance of Receivables
    
    
    19Section 2.1
    
    Conveyance of Receivables
    
    
    19Section 2.2
    
    [Reserved]
    
    
    20Section 2.3
    
    Further Encumbrance of Trust Property
    
    
    20ARTICLE III The Receivables
    
    
    21Section 3.1
    
    Representations and Warranties
    
    
    21Section 3.2
    
    Repurchase upon Breach of Representations and Warranties
    
    
    21Section 3.3
    
    Custody of Receivables Files
    
    
    22ARTICLE IV Administration and Servicing of Receivables
    
    
    24Section 4.1
    
    Duties of the Servicer
    
    
    24Section 4.2
    
    Collection of Receivable Payments;
Modifications of Receivables;Blocked Account Agreement
    
    
    25Section 4.3
    
    Realization upon Receivables
    
    
    27Section 4.4
    
    Insurance
    
    
    28Section 4.5
    
    Maintenance of Security Interests in Vehicles
    
    
    30Section 4.6
    
    Covenants, Representations, and Warranties of Servicer
    
    
    31Section 4.7
    
    Purchase of Receivables Upon Breach of Covenant
    
    
    32Section 4.8
    
    Total Servicing Fee; Payment of Certain Expenses by Servicer
    
    
    32Section 4.9
    
    Servicers Certificate
    
    
    32Section 4.10
    
    Annual Statement as to Compliance, Notice of Servicer Termination Event
    
    
    33Section 4.11
    
    Annual Independent Accountants Report
    
    
    33Section 4.12
    
    Access to Certain Documentation and Information Regarding Receivables
    
    
    34Section 4.13
    
    Reserved
    
    
    34Section 4.14
    
    Fidelity Bond and Errors and Omissions Policy
    
    
    34ARTICLE V Trust Accounts; Distributions; Statements to Noteholders
    
    
    34Section 5.1
    
    Establishment of Trust Accounts
    
    
    34Section 5.2
    
    [Reserved]
    
    
    37Section 5.3
    
    Certain Reimbursements to the Servicer
    
    
    37Section 5.4
    
    Application of Collections
    
    
    37Section 5.5
    
    Spread Account
    
    
    38Section 5.6
    
    Additional Deposits
    
    
    38Section 5.7
    
    Distributions
    
    
    38Section 5.8
    
    Note Distribution Account
    
    
    40Section 5.9
    
    Reserved
    
    
    41Section 5.10
    
    Statements to Noteholders
    
    
    41Section 5.11
    
    Optional Deposits by the Insurer
    
    
    43
 i




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##### 



PageARTICLE VI The Note Policy
    
    
    43Section 6.1
    
    Claims Under Note Policy
    
    
    43Section 6.2
    
    Preference Claims Under Note Policy
    
    
    44Section 6.3
    
    Surrender of Note Policy
    
    
    44ARTICLE VII The Depositor
    
    
    45Section 7.1
    
    Representations of Depositor
    
    
    45Section 7.2
    
    Organizational Existence
    
    
    46Section 7.3
    
    Liability of Depositor
    
    
    46Section 7.4
    
    Merger or Consolidation of, or Assumption of the Obligations of, Depositor
    
    
    46Section 7.5
    
    Limitation on Liability of Depositor and Others
    
    
    46Section 7.6
    
    Ownership of the Certificates or Notes
    
    
    47ARTICLE VIII The Servicer
    
    
    47Section 8.1
    
    Representations of Servicer
    
    
    47Section 8.2
    
    Liability of Servicer; Indemnities
    
    
    48Section 8.3
    
    Merger or Consolidation of, or Assumption of the Obligations of theServicer or Backup Servicer
    
    
    49Section 8.4
    
    Limitation on Liability of Servicer, Backup Servicer and Others
    
    
    50Section 8.5
    
    Delegation of Duties
    
    
    51Section 8.6
    
    Servicer and Backup Servicer Not to Resign
    
    
    51ARTICLE IX Default
    
    
    51Section 9.1
    
    Servicer Termination Event
    
    
    51Section 9.2
    
    Consequences of a Servicer Termination Event
    
    
    52Section 9.3
    
    Appointment of Successor
    
    
    53Section 9.4
    
    Notification to Noteholders
    
    
    54Section 9.5
    
    Waiver of Past Defaults
    
    
    54ARTICLE X Termination
    
    
    54Section 10.1
    
    Optional Purchase of All Receivables
    
    
    54ARTICLE XI Administrative Duties of the Servicer
    
    
    55Section 11.1
    
    Administrative Duties
    
    
    55Section 11.2
    
    Records
    
    
    57Section 11.3
    
    Additional Information to be Furnished to the Issuer
    
    
    57ARTICLE XII Miscellaneous Provisions
    
    
    57Section 12.1
    
    Amendment
    
    
    57Section 12.2
    
    Protection of Title to Trust
    
    
    59Section 12.3
    
    Notices
    
    
    60Section 12.4
    
    Assignment
    
    
    61Section 12.5
    
    Limitations on Rights of Others
    
    
    61Section 12.6
    
    Severability
    
    
    62Section 12.7
    
    Separate Counterparts
    
    
    62Section 12.8
    
    Headings
    
    
    62Section 12.9
    
    Governing Law
    
    
    62Section 12.10
    
    Assignment to Indenture Trustee
    
    
    62
 ii




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##### 



PageSection 12.11
    
    Nonpetition Covenants
    
    
    62Section 12.12
    
    Limitation of Liability of Owner Trustee and Indenture Trustee
    
    
    63Section 12.13
    
    Independence of the Servicer
    
    
    63Section 12.14
    
    No Joint Venture
    
    
    63Section 12.15
    
    Nonpublic Personal Information
    
    
    63Section 12.16
    
    Regulation AB
    
    
    64Section 12.17
    
    Replacement Swap Agreement
    
    
    64SCHEDULESSchedule A
    
    Schedule of ReceivablesSchedule B
    
    Representations and WarrantiesSchedule C
    
    Servicing Policies and ProceduresSchedule D
    
    Custodian Third Party VendorsEXHIBITSExhibit A
    
    Form of Servicers CertificateExhibit B
    
    Form of Financial Guaranty Insurance Policy
 iii




---



##### 



Issuer Depositor Triad Servicer Custodian Backup Servicer Indenture Trustee
       Definitions
 Definitions
 Accounting Date
 Additional Funds Available plus
 Administrative Receivable Section 4.7
 Affiliate
 Aggregate Principal Balance
 1




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##### 



Agreement
 Amount Financed
 Annual Percentage Rate APR
 Auto Loan Purchase and Sale Agreement
 Available Funds Section 5.1(b)
 Backup Servicer
 Base Servicing Fee
 Basic Documents
 Blocked Account Agreement Blocked Account Agreement
 2




---



##### 



Business Day
 Certificate
 Certificateholders
 Class
 Class A Notes
 Class A Noteholders
 Class A Noteholders Accelerated Principal Amount Section 5.7(a) plus over
 Class A Noteholders Interest Distributable Amount
 Class A Noteholders Interest Carryover Amount
 Class A Noteholders Monthly Interest Distributable Amount
 Class A Noteholders Monthly Principal Distributable Amount
 3




---



##### 



Sections 3.2 4.7 Section 5.2 Section 5.4 Section 5.6 over Section 5.7(a)(v)
 Class A Noteholders Parity Deficit Amount over
 Class A Noteholders Principal Carryover Amount
 Class A Noteholders Principal Distributable Amount
 Class A-1 Notes
 Class A-2 Notes
 Class A-2a Notes
 Class A-2b Notes
 Class A-3 Notes
 Class A-3a Notes
 Class A-3b Notes
 Class A-4 Notes
 Class A-4a Notes
 Class A-4b Notes
 Closing Date
 Collateral Insurance Section 4.4(a)
 4




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##### 



Collected Funds
 Collection Account Section 5.1
 Collection Period
 Collection Records
 Commission
 Computer Tape
 Contract
 Controlling Party provided however
 Copies Section 3.3(c)
 Corporate Trust Office th th
 Cram Down Loss
 5




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##### 



Cumulative Net Losses
 Cumulative Net Loss Ratio
 Cumulative Net Loss Trigger Event
 Distribution Date Occurring in:
    
    Percentage:December 2007 through February 2008
    
    1.50%March 2008 through May 2008
    
    3.00%June 2008 through August 2008
    
    4.50%September 2008 through November 2008
    
    6.25%December 2008 through February 2009
    
    8.05%March 2009 through May 2009
    
    9.75%June 2009 through August 2009
    
    11.40%September 2009 through November 2009
    
    13.05%December 2009 through February 2010
    
    14.50%March 2010 through May 2010
    
    15.90%June 2010 through August 2010
    
    17.30%September 2010 through November 2010
    
    18.25%December 2010 and thereafter
    
    18.50%
 Custodian
 Cutoff Date
 Dealer
 Dealer Agreement
 Dealer Assignment
 Deficiency Amount
 6




---



##### 



Delinquency Rate
 Depositor
 Determination Date
 Distribution Date
 Electronic Ledger
 Eligible Deposit Account
 Eligible Investments
  provided however
 7




---



##### 



Eligible Servicer
 Exchange Act
 8




---



##### 



FDIC
 Final Scheduled Distribution Date
 Financed Vehicle
 Indenture
 Indenture Trustee
 Indenture Trustee Fee
 Independent Accountants Section 4.11
 Insolvency Event
 Insolvency Proceeds Section 10.1(b)
 Insurance Agreement
 Insurance Agreement Event of Default Event of Default
 Insurance Policy Section 4.4
 9




---



##### 



Insurer
 Insurer Default
    Insurer Optional Deposit
 Interest Period
 Interest Rate
 10




---



##### 



Investment Earnings
 Issuer
 LIBOR
 LIBOR Business Day
 Lien
 Lien Certificate
 Liquidated Receivable
 Lockbox Account Section 4.2(d)
 Majority Noteholders
 Monthly Extension Rate
 11




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##### 



Monthly Records
 Moodys
 Net Liquidation Losses
 Net Liquidation Proceeds plus plus minus
 Net Loss Rate
 Note Distribution Account Section 5.1
 Note Policy
 Note Pool Factor divided by
 Note Preference Claim Section 6.2(b)
 Noteholders
 Notes
 Obligor
 12




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##### 



Officers Certificate
 Opinion of Counsel
 Original Pool Balance
 Originator
 Other Conveyed Property Section 2.1(b) (h)
 Overcollateralization Target Percentage provided however th provided further th provided further th provided further th
 Owner Trust Estate
 Owner Trustee
 Owner Trustee Fee
 Person
 13




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##### 



Pool Balance
 Premium
 Principal Balance minus
 Processing Bank provided however
 Pro Forma Class A Note Balance clauses (i) (xi) Section 5.7(a)
 Purchase Agreement
 Purchase Amount
 Purchased Receivable
 Rating Agency Rating Agency
 Rating Agency Condition
 14




---



##### 



Receivable
 Receivable Files Section 3.3
 Record Date
 Reference Bank Rate
 Registrar of Titles
 Regulation AB
 Required Pro Forma Class A Note Balance
 Schedule of Receivables
 Schedule of Representations
 Scheduled Payments
 15




---



##### 



Scheduled Receivables Payment Section 4.2(b)
 Securities
 Securities Act
 Service Contract
 Servicer Section 9.3
 Servicer Termination Event Section 9.1
 Servicers Certificate Section 4.9 Exhibit A
 Servicing Fee Section 4.8
 Servicing Fee Rate
 Servicing Policies and Procedures Section 4.1
 Simple Interest Method
 Spread Account Section 5.5
 Spread Account Draw Amount clauses
(i) (vii) Section 5.7(a)
 Spread Account Initial Deposit
 Spread Account Requirement
 16




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##### 



Standard & Poors
 Statutory Trust Statute
 Step-Down Amount over
 Supplemental Servicing Fee
 Swap Account Section 5.1(g)
 Swap Agreement provided
 Swap Counterparty Section 12.17
 Swap Policy
 Swap Termination Account Section 5.1(a)(iv)
 Swap Termination Payment
 Third-Party Lender
 17




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##### 



Third-Party Lender Assignment
 Triad
 Trust
 Trust Account Property
 Trust Accounts Section 5.1
 Trust Agreement
 Trust Officer
 Trust Property Section 2.1
 UCC
 Other Definitional Provisions
  18




---



##### 



hereof herein hereunder
    Conveyance of Receivables
 Conveyance of Receivables
    19




---



##### 



[Reserved].
 Further Encumbrance of Trust Property.
    20




---



##### 



The Receivables
 Representations and Warranties
 Title
 All Filings Made
 Liens
 Repurchase upon Breach of Representations and Warranties
 Section
3.1 Schedule B
 Section 5.6
 21




---



##### 



Section 5.2
 Section 3.1
  Section 2.1
 Custody of Receivables Files
    Receivable Files
 22




---



##### 



Section 4.1 Section 3.2 4.7
 Copies
  23




---



##### 



provided however
  Administration and Servicing of Receivables
 Duties of the Servicer
 Servicing Policies and Procedures
  24




---



##### 



provided however
 Section 4.3
 Collection of Receivable Payments; Modifications of Receivables; Blocked
Account Agreement
  provided however
 25




---



##### 



Section 4.2(b) provided however
    Section
4.2(b) Section 4.2(c)
  Section 4.2(c)(iii) provided however
   26




---



##### 



provided however
   Realization upon Receivables
  27




---



##### 



provided however Section 4.1 Section
5.7(a) Section 4.2(e)
 Section 4.2(e)
 Insurance
  28




---



##### 



Collateral Insurance
 Section 4.4(c)
  29




---



##### 



Maintenance of Security Interests in Vehicles
   provided however
 30




---



##### 



Covenants, Representations, and Warranties of Servicer
  Liens in Force
 No Impairment
 No Amendments Section 4.2
 Restrictions on Liens
 provided however
 31




---



##### 



Purchase of Receivables Upon Breach of Covenant Sections 4.5(a) 4.6 provided however Section 4.7 Sections 4.5(a) 4.6 provided however Section 4.7
 Total Servicing Fee; Payment of Certain Expenses by Servicer Servicing Fee Section 5.7 Section 5.7 Section 5.7 Section 9.3
 Servicers Certificate
 32




---



##### 



Section 6.1 Section 5.7 Section
5.10
 Annual Statement as to Compliance, Notice of Servicer Termination Event
    Section 9.1
 Annual Independent Accountants Report
 Independent Accountants
 33




---



##### 



Access to Certain Documentation and Information Regarding Receivables Section 4.12 Section 4.12
 Reserved
 Fidelity Bond and Errors and Omissions Policy
  Trust Accounts; Distributions; Statements to Noteholders
 Establishment of Trust Accounts
 Collection Account
 Note Distribution Account
 34




---



##### 



Spread Account
 Swap Termination Account
 Trust Accounts
    35




---



##### 



securities intermediarys jurisdiction
  Swap Account
  36




---



##### 



Section 5.7(a) Section
5.1(a)(v) clauses (i) (iv) Section 5.7(a) provided Section 5.7(a)
 [Reserved]
 Certain Reimbursements to the Servicer Section 5.7(a)(i) provided however Section 5.3 Section 5.7 Section 5.7
 Application of Collections
  37




---



##### 



Section 5.7(a)
 Spread Account
 Section 5.7(a)(x)
 Section 5.7(a)
 Section 5.7(a)(viii) 5.7(a)(xi) (xiv)
 Additional Deposits
  Section 10.1
   Distributions
   38




---



##### 



provided however
  39




---



##### 



Section 5.8(a)
 Sections 5.7(a) 5.7(b)
 Note Distribution Account
  Section 5.7(a)(iv) provided however
 Section 5.7(a)(v) (vi) (ix) (xii)
    40




---



##### 



provided however Section 6.7 first second pro rata
 . Section
5.10
 Section 5.8 Section 5.8(c)
 Section 2.7
 Section 5.1 Section 5.8
 Reserved
 Statements to Noteholders
  41




---



##### 



Section 5.10(a)(i)
      Section 5.10(a)(i) (ii) (iii) (vii) (viii)
 Section 5.10(a) Section 5.10(a) Section 12.3 Section
11.4 Section 11.5
 42




---



##### 



Optional Deposits by the Insurer
  The Note Policy
 Claims Under Note Policy
  Section 6.1(a) Notice of Claim
   43




---



##### 



Preference Claims Under Note Policy
  Note Preference Claim Section 6.1(c)
 Surrender of Note Policy
 44




---



##### 



The Depositor
 Representations of Depositor
 Organization and Good Standing
 Due Qualification
 Power and Authority
 Valid Sale, Binding Obligations
 No Violation
 45




---



##### 



No Proceedings
 True Sale
 Organizational Existence
 Liability of Depositor
 Merger or Consolidation of, or Assumption of the Obligations of,
Depositor provided however
 Limitation on Liability of Depositor and Others
 46




---



##### 



Ownership of the Certificates or Notes
  The Servicer
 Representations of Servicer
 Representations and Warranties
 Organization and Good Standing
 Due Qualification
 Power and Authority
 Binding Obligation
 47




---



##### 



No Violation
 No Proceedings
 No Consents
 Liability of Servicer; Indemnities
   Section 8.2 Section 8.2
 48




---



##### 



Section 6.7
 Merger or Consolidation of, or Assumption of the Obligations of the Servicer
or Backup Servicer
 Section
4.6 provided however Section 8.3 Section 4.6 Section 8.3
  49




---



##### 



however
 Limitation on Liability of Servicer, Backup Servicer and Others
 provided however provided further
 Section 8.4(b) Section 4.14
  50




---



##### 



Delegation of Duties provided however
 Servicer and Backup Servicer Not to Resign Section
8.3 provided however Section 8.6
  Default
 Servicer Termination Event Servicer Termination Event
 51




---



##### 



Consequences of a Servicer Termination Event provided however
 52




---



##### 



provided however Section 4.2(e)
 Appointment of Successor
 Section 9.2 Section 8.6 Section 9.3(b) Section 9.2
  53




---



##### 



Section
8.6(iii) Section 8.6 Section 9.2 Section 8.6 Section
9.2 Section 8.6
 Section 4.8
 Notification to Noteholders
 Waiver of Past Defaults
  Termination
 Optional Purchase of All Receivables
 provided however Section 5.6
 54




---



##### 



Section 8.1 Insolvency Proceeds
    Administrative Duties of the Servicer
 Administrative Duties
 Duties with Respect to the Basic Documents. Sections
2.7 3.5 3.6 3.7 3.9 3.10 3.17 4.1 5.4 7.3 8.3 9.2 9.3 11.1 11.15
 Duties with Respect to the Issuer.
  55




---



##### 



Section 2.12 provided however
 Section 9.2
 provided however
 Tax Matters
 Non-Ministerial Matters
  56




---



##### 



Exceptions Section
5.5
 Section 11.1
 Records
 Additional Information to be Furnished to the Issuer
  Miscellaneous Provisions
 Amendment
 provided however
 57




---



##### 



provided further, provided further,
 provided however provided further, provided further
  Section
12.1
 Section 12.2(h)
 58




---



##### 



Protection of Title to Trust
  Section 12.2(a)
      59




---



##### 



Section
12.1
 Notices
 If to the Depositor:
    
    Triad Financial Special Purpose LLC7711 Center Avenue, Suite 390Huntington Beach, California 92647Attention: Chief Financial OfficerIf to the Servicer:
    
    Triad Financial Corporation7711 Center Avenue, Suite 100Huntington Beach, California 92647Attention: Chief Financial OfficerIf to the Issuer orOwner Trustee:
    
    Wilmington Trust Company1100 N. Market StreetWilmington, Delaware 19890Attn: Corporate Trust AdministrationIf to the Indenture Trustee:
    
    Citibank, N.A.388 Greenwich Street, 14th FloorNew York, New York 10013Attention:  Structured Finance Agency andTrust - Triad 2007-BIf to the Insurer:
    
    Financial Security Assurance Inc.31 West 52nd StreetNew York, New York  10019If to the Swap Counterparty:
    
    Citibank, N.A.Capital Markets Legal388 Greenwich Street, 17th FloorNew York, New York 10013Attention:  Triad 2007-B
 60




---



##### 



If to the Swap Counterparty:
    
    Citibank, N.A.Capital Markets Legal388 Greenwich Street, 17th FloorNew York, New York 10013Attention: Triad 2007-BIf to Moodys:
    
    Moodys Investors Service, Inc.ABS Monitoring Department99 Church StreetNew York, New York 10007If to Standard & Poors:
    
    Standard & Poors Ratings Group55 Water StreetNew York, New York 10041Attention: Asset Backed SurveillanceDepartment
  Section 5.10(b)
 Assignment Sections 7.4 8.3
 Limitations on Rights of Others
 61




---



##### 



Severability
 Separate Counterparts
 Headings
 Governing Law
 Assignment to Indenture Trustee
 Nonpetition Covenants
   62




---



##### 



Limitation of Liability of Owner Trustee and Indenture Trustee
    Independence of the Servicer
 No Joint Venture
 Nonpublic Personal Information
 63




---



##### 



Section 12.15 Section 12.15
 Regulation AB Section 12.16
 Replacement Swap Agreement
 64




---



##### 



65




---



##### 



TRIAD AUTOMOBILE RECEIVABLES TRUST 2007-BBy:
    
    WILMINGTON TRUST COMPANY, not in itsindividual capacity but solely as Owner Trustee of theTrustBy:
    
    /s/ Rachel L. SimpsonName: Rachel L. SimpsonTitle: Sr. Financial Services OfficerTRIAD FINANCIAL SPECIAL PURPOSE LLC, as DepositorBy:
    
    /s/ Mike L. WilhelmsName: Mike L. WilhelmsTitle: Chief Financial OfficerTRIAD FINANCIAL CORPORATION, as Servicer and CustodianBy:
    
    /s/ Mike L. WilhelmsName: Mike L. WilhelmsTitle: Chief Financial OfficerCITIBANK, N.A., as Backup ServicerBy:
    
    /s/ John HannonName: John HannonTitle: Vice President
 
 By:
    
    /s/ John HannonName: John HannonTitle: Vice President




---



##### 



SCHEDULE A
 SCHEDULE OF RECEIVABLES




---



##### 



SCHEDULE B
 REPRESENTATIONS AND WARRANTIES




---



##### 



SCHEDULE C
 SERVICING POLICIES AND PROCEDURES




---



##### 



SCHEDULE D
 CUSTODIAN THIRD PARTY VENDORS




---



##### 



EXHIBIT A
 SERVICERS CERTIFICATE




---



##### 



EXHIBIT B
 FORM OF FINANCIAL GUARANTY INSURANCE POLICY