Exhibit 10.22
 AMENDMENT NO. 1 TO
AMENDED AND RESTATED CREDIT AGREEMENT
 AMENDMENT NO. 1 TO AMENDED AND RESTATED CREDIT AGREEMENT Amendment Company Bank of America Administrative Agent
 W I T N E S S E T H:
 WHEREAS Credit Agreement
 WHEREAS
 WHEREAS
 WHEREAS Section 7.03
 NOW, THEREFORE




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Amendments to Credit Agreement
 Eligible Used Vehicle Inventory Section 1.02
 Eligible Used Vehicle Inventory
 Permitted Indenture Refinancing Indebtedness provided
 provided
 Section 6.01
 6.01 Financial Statements.
 2




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3




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Section
6.01(b)(i)
 Section 6.01(b)(i)
 4




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Section
6.01(b)(ii)
 Section
6.02(g)
 5




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Section 6.02(a)(i) Section 6.01(b) Section 6.01(b)(i)
 Section 6.02(a)(ii) Section 6.01(b) Section
6.01(b)(ii)
 Section 6.02(b)
 Sections 6.01(a) (b) Section 6.01(b)(ii) provided
 Section 7.03(h) less
 plus less
 Section 7.03(i) less
 plus less
 Section 7.03(j) less
 6




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plus less
 Article IV Exhibit F
 IV. Consolidated Total Debt to EBITDA Ratio.
 A.
    
    Consolidated Total Outstanding Indebtedness (including any such Indebtedness that would otherwise be deemed to be equity solely because of the effect of FASB 14-1, which such Indebtedness is in the amount of $ as of the Statement Date):
    $B.
    
    Indebtedness under the New Vehicle Floorplan Facility:
    $C.
    
    Permitted Silo Indebtedness for New Vehicle inventory:
    $D.
    
    Temporary Additional Indebtedness as of Statement Date:
    $E.
    
    Consolidated Total Debt numerator
at Statement Date (Line IV.A.  B  C.  D.):
    $F.
    
    Consolidated EBITDA for Subject Period (Line III.B.3.):
    $G.
    
    Consolidated Total Debt to EBITDA Ratio (Line IV.E. ÷ Line IV.F.):
    

to 1.
 Effectiveness; Conditions Precedent
  (i)
    
    counterparts of this Amendment, duly executed by the Company,
the other Loan Parties, the Administrative Agent and Lenders which constitute
Required Lenders;(ii)
    
    such other documents, instruments, opinions, certifications,
undertakings, further assurances and other matters as the Administrative Agent,
the Swing Line Lender, any L/C Issuer or any Lender shall reasonably request;
and
 7




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Consent of the Subsidiary Guarantors
 Representations and Warranties
 Article V subsections (a) (b) Section
5.05 clauses (a) (b) Section 6.01
    Entire Agreement Relevant Documents Section 10.01
 8




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Full Force and Effect of Loan Documents
 Counterparts
 Governing Law Section 10.14
 Enforceability
 References
 Successors and Assigns Section 10.06
 [Signature pages follow.]
 9




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IN WITNESS WHEREOF
 COMPANY :
 SONIC AUTOMOTIVE, INC.,




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SUBSIDIARY GUARANTORS:
 ARNGAR, INC.
AUTOBAHN, INC.
AVALON FORD, INC.
CORNERSTONE ACCEPTANCE CORPORATION
FAA AUTO FACTORY, INC.
FAA BEVERLY HILLS, INC.
FAA CAPITOL N, INC.
FAA CONCORD H, INC.
FAA CONCORD T, INC.
FAA DUBLIN N, INC.
FAA DUBLIN VWD, INC.
FAA HOLDING CORP.
FAA LAS VEGAS H, INC.
FAA POWAY H, INC.
FAA POWAY T, INC.
FAA SAN BRUNO, INC.
FAA SANTA MONICA V, INC.
FAA SERRAMONTE, INC.
FAA SERRAMONTE H, INC.
FAA SERRAMONTE L, INC.
FAA STEVENS CREEK, INC.
FAA TORRANCE CPJ, INC.
FIRSTAMERICA AUTOMOTIVE, INC.
FORT MILL FORD, INC.
FORT MYERS COLLISION CENTER, LLC
FRANCISCAN MOTORS, INC.
FRONTIER OLDSMOBILE-CADILLAC, INC.
KRAMER MOTORS INCORPORATED
L DEALERSHIP GROUP, INC.
MARCUS DAVID CORPORATION
MASSEY CADILLAC, INC.
ONTARIO L, LLC
SAI AL HC1, INC.
SAI AL HC2, INC.
SAI ANN ARBOR IMPORTS, LLC




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SAI ATLANTA B, LLC
SAI BROKEN ARROW C, LLC
SAI CHARLOTTE M, LLC
SAI COLUMBUS MOTORS, LLC
SAI COLUMBUS VWK, LLC
SAI FL HC2, INC.
SAI FL HC3, INC.
SAI FL HC4, INC.
SAI FL HC6, INC.
SAI FL HC7, INC.
SAI FORT MYERS B, LLC
SAI FORT MYERS H, LLC
SAI FORT MYERS M, LLC
SAI FORT MYERS VW, LLC
SAI IRONDALE IMPORTS, LLC
SAI LONG BEACH B, INC.
SAI MD HC1, INC.
SAI MONROVIA B, INC.
SAI MONTGOMERY B, LLC
SAI MONTGOMERY BCH, LLC
SAI MONTGOMERY CH, LLC
SAI NASHVILLE CSH, LLC
SAI NASHVILLE H, LLC
SAI NASHVILLE M, LLC
SAI NASHVILLE MOTORS, LLC
SAI OK HC1, INC.
SAI OKLAHOMA CITY C, LLC
SAI OKLAHOMA CITY H, LLC
SAI ORLANDO CS, LLC
SAI RIVERSIDE C, LLC
SAI ROCKVILLE IMPORTS, LLC
SAI TN HC1, LLC
SAI TN HC2, LLC
SAI TN HC3, LLC
SAI TULSA N, LLC
SANTA CLARA IMPORTED CARS, INC.
SONIC  2185 CHAPMAN RD., CHATTANOOGA,  LLC
SONIC  CALABASAS V, INC.
SONIC  CARSON F, INC.




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SONIC
 COAST CADILLAC, INC.
SONIC  DENVER T, INC.
SONIC  DOWNEY CADILLAC, INC.
SONIC  HARBOR CITY H, INC.
SONIC  LAS VEGAS C EAST, LLC
SONIC  LAS VEGAS C WEST, LLC
SONIC  LLOYD NISSAN, INC.
SONIC  LLOYD PONTIAC  CADILLAC, INC.
SONIC  LONE TREE CADILLAC, INC.
SONIC  LS, LLC
SONIC  MANHATTAN FAIRFAX, INC.
SONIC  MASSEY CHEVROLET, INC.
SONIC  NEWSOME CHEVROLET WORLD, INC.
SONIC  NEWSOME OF FLORENCE, INC.
SONIC  SANFORD CADILLAC, INC.
SONIC  SHOTTENKIRK, INC.
SONIC  STEVENS CREEK B, INC.
SONIC  WILLIAMS CADILLAC, INC.
SONIC AGENCY, INC.
SONIC AUTOMOTIVE  1720 MASON AVE., DB,  INC.
SONIC AUTOMOTIVE  1720 MASON AVE., DB,  LLC
SONIC AUTOMOTIVE  6008 N. DALE MABRY,  FL, INC.
SONIC AUTOMOTIVE  9103 E. INDEPENDENCE,  NC, LLC
SONIC AUTOMOTIVE 2752 LAURENS RD.,  GREENVILLE, INC.
SONIC AUTOMOTIVE 5260 PEACHTREE  INDUSTRIAL BLVD., LLC
SONIC AUTOMOTIVE F&I, LLC
SONIC AUTOMOTIVE OF CHATTANOOGA, LLC
SONIC AUTOMOTIVE OF NASHVILLE, LLC
SONIC AUTOMOTIVE OF NEVADA, INC.
SONIC AUTOMOTIVE SUPPORT, LLC
SONIC AUTOMOTIVE WEST, LLC
SONIC AUTOMOTIVE-3700 WEST BROAD  STREET, COLUMBUS, INC.




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SONIC AUTOMOTIVE-4000 WEST BROAD  STREET, COLUMBUS, INC.
SONIC CALABASAS M, INC.
SONIC DEVELOPMENT, LLC
SONIC DIVISIONAL OPERATIONS, LLC
SONIC FREMONT, INC.
SONIC OF TEXAS, INC.
SONIC RESOURCES, INC.
SONIC SANTA MONICA M, INC.
SONIC SANTA MONICA S, INC.
SONIC TYSONS CORNER H, INC.
SONIC TYSONS CORNER INFINITI, INC.
SONIC WALNUT CREEK M, INC.
SONIC WILSHIRE CADILLAC, INC.
SONIC  BUENA PARK H, INC.
SONIC  CALABASAS A, INC.
SONIC  CAPITOL CADILLAC, INC.
SONIC  CAPITOL IMPORTS, INC.
SONIC  CARSON LM, INC.
SONIC  PLYMOUTH CADILLAC, INC.
SONIC  SATURN OF SILICON VALLEY, INC.
SONIC  VOLVO LV, LLC
SONIC  WEST COVINA T, INC.
SRE ALABAMA  2, LLC
SRE ALABAMA-5, LLC
SRE CALIFORNIA  1, LLC
SRE CALIFORNIA  2, LLC
SRE CALIFORNIA  4, LLC
SRE COLORADO  1, LLC
SRE FLORIDA  1, LLC
SRE FLORIDA  2, LLC
SRE HOLDING, LLC
SRE NORTH CAROLINA  2, LLC
SRE OKLAHOMA-1, LLC
SRE OKLAHOMA-2, LLC
SRE OKLAHOMA-5, LLC
SRE SOUTH CAROLINA  3, LLC
SRE SOUTH CAROLINA  4, LLC
SRE TENNESSEE-4, LLC
SRE VIRGINIA  1, LLC




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SREALESTATE ARIZONA  2, LLC
SREALESTATE ARIZONA  3, LLC
STEVENS CREEK CADILLAC, INC.
TOWN AND COUNTRY FORD, INCORPORATED
VILLAGE IMPORTED CARS, INC.
WINDWARD, INC.
 
 SAI GA HC1, LP
SONIC PEACHTREE INDUSTRIAL BLVD., L.P.
SONIC  STONE MOUNTAIN T, L.P.
 By:  SAI GEORGIA, LLC
 By:  SONIC AUTOMOTIVE OF NEVADA,
 INC.
 
 SONIC
 LS CHEVROLET, L.P.
 By:
SONIC  LS, LLC




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PHILPOTT MOTORS, LTD.
SONIC  CADILLAC D, L.P.
SONIC  CAMP FORD, L.P.
SONIC  CARROLLTON V, L.P.
SONIC  FORT WORTH T, L.P.
SONIC  FRANK PARRA AUTOPLEX, L.P.
SONIC  HOUSTON V, L.P.
SONIC  LUTE RILEY, L.P.
SONIC  MESQUITE HYUNDAI, L.P.
SONIC  RICHARDSON F, L.P.
SONIC  UNIVERSITY PARK A, L.P.
SONIC ADVANTAGE PA, L.P.
SONIC AUTOMOTIVE  3401 N. MAIN, TX, L.P.
SONIC AUTOMOTIVE  4701 I-10 EAST, TX, L.P.
SONIC AUTOMOTIVE OF TEXAS, L.P.
SONIC HOUSTON JLR, LP
SONIC HOUSTON LR, L.P.
SONIC MOMENTUM B, L.P.
SONIC MOMENTUM JVP, L.P.
SONIC MOMENTUM VWA, L.P.
SONIC-CLEAR LAKE VOLKSWAGEN, L.P.
SONIC-JERSEY VILLAGE VOLKSWAGEN, L.P.
SRE TEXAS  1, L.P.
SRE TEXAS  2, L.P.
SRE TEXAS  3, L.P.
SRE TEXAS  4, L.P.
SRE TEXAS  5, L.P.
SRE TEXAS  6, L.P.
SRE TEXAS  7, L.P.
SRE TEXAS  8, L.P.
 By: SONIC OF TEXAS, INC.




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SAI CLEARWATER T, LLC
 By:   SAI FL HC2, INC.
 
 SAI COLUMBUS T, LLC
 By: SONIC AUTOMOTIVE, INC.,
 
 SAI GEORGIA LLC
 By:  SONIC AUTOMOTIVE OF NEVADA, INC.,
 
 SAI IRONDALE L, LLC
 By:   SAI AL HC2, INC.,
 
 SAI OKLAHOMA CITY T, LLC
SAI TULSA T, LLC
 By:
 SAI OK HC1, INC.,




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SAI ROCKVILLE L, LLC
 By:   SAI MD HC1, INC.,




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SONIC FINANCIAL CORPORATION
 SONIC FINANCIAL CORPORATION




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ADMINISTRATIVE AGENT :
 BANK OF AMERICA, N.A.




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LENDERS :
 BANK OF AMERICA, N.A.




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DCFS USA LLC




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BMW FINANCIAL SERVICES NA, LLC




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TOYOTA MOTOR CREDIT CORPORATION




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JPMORGAN CHASE BANK, N.A.




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WACHOVIA BANK, NATIONAL ASSOCIATION




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COMERICA BANK




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WORLD OMNI FINANCIAL CORP.