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                                                                EXHIBIT 10(d)(8)

[CAC LOGO]

Credit Acceptance Corporation ("CAC") welcomes you to Team CAC. CAC is a
national leader in the specialty finance business. Team CAC is comprised of
CAC's employees, shareholders, customers and dealer partners, for which you are
about to become a member.

This Servicing Agreement will allow your dealership to establish a relationship
with CAC and to formally become a member of Team CAC. If you have any questions
with respect to this Servicing Agreement, please contact your CAC Sales
Representative or Regional Sales Manager.

Again, welcome to Team CAC. We look forward to a long and mutually beneficial
relationship.

                           DEALER SERVICING AGREEMENT

BY SIGNING BELOW, EACH PARTY AGREES TO BE BOUND BY THE TERMS AND CONDITIONS OF
THIS SERVICING AGREEMENT ("AGREEMENT"), WHICH HAS BEEN READ AND UNDERSTOOD.

IN WITNESS WHEREOF, this Agreement is executed this ___ day of, __________, ____
                                                                  (month)   (YR)

<TABLE>
<S>                                         <C>
CREDIT ACCEPTANCE CORPORATION               DEALER

By:                                         (Legal Name)
   --------------------------------         ------------------------------------------------------------

Title:
       ----------------------------         ------------------------------------------------------------

                                             (D/B/A or Assumed Name):
                                                                     -----------------------------------

                                            ------------------------------------------------------------

                                             By: (Signature)
                                                            --------------------------------------------

                                             By: (Print Name)
                                                             -------------------------------------------

                                             Title:
                                                    ----------------------------------------------------

                                             DEALER'S ADDRESS (PLACE OF BUSINESS):

                                             Street Address:
                                                             -------------------------------------------

                                            ------------------------------------------------------------

                                             City:
                                                   -----------------------------------------------------

                                             State:                              Zip:
                                                    -----------------------------     ------------------

</TABLE>

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                                    RECITALS

WHEREAS, CAC is a specialized financial services company providing funding,
receivables management, collection, sales training and related products and
services to automobile dealers. CAC's principal business is providing automobile
dealers with a financing source for used car purchasers who have limited access
to traditional sources of consumer credit, such as banks and credit unions, due
to their lack of credit history or a poor credit history. CAC conducts its
business through: (i) the acceptance of retail installment contracts originated
and assigned by Participating Dealers at or near the time of the sales
transaction; and (ii) the subsequent management, servicing and collection of
such Contracts.

WHEREAS, the Dealership named on the first page of this Agreement (hereinafter
"Dealer") is a car dealership licensed to sell motor vehicles and/or light
trucks to consumers at the sales location stated in this Agreement and Dealer
has expressed a desire to become a Participating Dealer in the CAC Guaranteed
Credit Approval System;

WHEREAS, CAC agrees to service Dealers Contracts pursuant to the terms and
conditions of this Agreement;

NOW, THEREFORE, in consideration of the mutual agreements contained in this
Agreement, the parties agree as follows:

                                    ARTICLE 1

DEFINITIONS

Whenever used in this Agreement, the following words and phrases, unless
otherwise stated, shall have the following meanings:

"ADMINISTRATIVE EXPENSES" Refers to all costs, fees and expenses incurred with
respect to any suit, action or proceeding involving or relating to any Dealer
bankruptcy, appointment of a conservator, receiver or liquidator for the Dealer,
readjustment of debt, marshaling of assets and liabilities, or for the winding
up or liquidation of the Dealers affairs.

"ADVANCE" means an amount advanced to the Dealer pursuant to Section 3.01

"CAPS" refers to any Internet based Credit Approval System that CAC may make
available to Dealer.

"COLLECTION COSTS" means all costs, fees and expenses incurred or assessed by
CAC in the administration, servicing and collection of a Receivable.

"COLLECTIONS" means all money received or collected by CAC with respect to a
Contract, less any payments required by law to be remitted to the Obligor, less
the amount of any checks returned for insufficient funds.

"CONFIDENTIAL INFORMATION" means all confidential and/or secret information
concerning CAC including, but not limited to, its Guaranteed Credit Approval
System, customer lists, names of customers and all information developed by
and/or for CAC and/or its affiliates, whether now owned or hereafter obtained,
concerning plans, marketing and sales methods, Information Systems and Internet
processes (including CAPS), customer relationships, materials, and procedures
utilized by CAC and/or its affiliates, business forms, costs, prices, suppliers,
information concerning past, present or future contractors, representatives and
past, present and/or future customers of CAC and/or its affiliates, plans for
development of new or existing products, services and expansion into new areas
or markets, internal operations and any variations, trade secrets, proprietary
information and other confidential information of any type together with all
written, graphic, video and other materials relating to all or any part of the
same.

"CONTRACT" means a retail installment or conditional sales contract, promissory
note and security agreement that evidences an Obligors agreement to purchase a
Financed Vehicle over time and that is assigned to CAC for servicing,
administration and collection.

"FINANCED VEHICLE" means an automobile or light truck, together with all
accessions thereto, securing an Obligor's indebtedness under a Contract.

"GUARANTEED CREDIT APPROVAL SYSTEM" means the specialized program developed by
CAC for use by Participating Dealers to maximize the dealer's sales and profits
by providing their customers with an opportunity to establish or re-establish
their credit.

"OBLIGOR" means the purchaser or the co-purchaser of a Financed Vehicle or any
other Person who owes payments under the Contract.

"PARTICIPATING DEALER" means an automobile dealership that has elected to
implement the Guaranteed Credit Approval System as evidenced by the execution of
this Agreement.

"QUALIFYING RECEIVABLE" means a Contract that meets and the following
specifications:

(i) it has not been rescinded; is not in default; is owned by the Dealer free
and clear of all liens, claims, options, encumbrances and security interests
(other than the security interest in favor of CAC) and is in all other respects
a valid, binding and enforceable obligation of the Obligor at the time the
Contract is to be assigned to CAC;

(ii) it complied at the time it was originated or made, and is currently in
compliance in all respects, with all requirements of applicable federal, state
and local laws and regulations thereunder, including, usury laws, the Federal
Truth-in-Lending Act, the Equal Credit Opportunity Act, the Fair Credit Billing
Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the
Federal Trade Commission Act, the Magnuson - Moss Warranty Act, Federal Reserve
Board Regulations B, M and Z, state adaptations of the National Consumer Act,
the Uniform Commercial Code and of the Uniform Consumer Credit Code and any
other consumer credit or equal opportunity disclosure;

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(iii) the Dealer has taken all the steps required by law to enable the Obligor
to register and title the Financed Vehicle in his/her name, and has taken all
the steps necessary to insure that CAC has a first and prior perfected security
interest in the Financed Vehicle securing the performance of the Obligor under
the Contract;

(iv) the Financed Vehicle is adequately insured with a policy or policies
covering damages, destruction and theft and such policies name CAC as a loss
payee;

(v) the Dealer has delivered the motor vehicle and the motor vehicle satisfied
all warranties, express or implied, made to the Obligor;

(vi) All amounts to be paid by the Obligor at the time of closing have in fact
been paid and the down payment disclosed on the credit application and Contract
are consistent and the down payment is made in accordance with Section 4.01 (i)
of this Agreement;

"RECEIVABLE" means the amount of money due and owing by an Obligor under the
terms of a Contract or Contracts that have been assigned to CAC for
administration, servicing and collection.

"RECEIVABLE FILES" means all writings (including an executed copy of the
Contract, credit application, privacy disclosure and discount disclosure) and
all other records required by CAC relating to a Receivable.

                                   ARTICLE II

ADMINISTRATION AND SERVICING OF CONTRACTS

2.01     ASSIGNMENT AND ACCEPTANCE OF CONTRACTS;

(a) The Dealer may submit Contracts to CAC for administration, servicing and
collection under the terms of this Agreement. Submission of such a Contract to
CAC constitutes a representation and warranty by the Dealer that such Contracts
meet the criteria set forth in the definition of Qualifying Receivable and the
provisions of Article IV of this Agreement.

(b) If CAC issues an approval number with respect to a Qualifying Receivable,
the Dealer shall deliver the Receivable Files to CAC and assign such Contract
and Dealer's security interest in the Financed Vehicle to CAC as nominee for the
Dealer, which assignment shall be for purposes of administration, servicing and
collection of the Receivable, as well as for security purposes as set forth in
Section 2.03(e). Upon the request of CAC, the Dealer will furnish CAC with any
additional powers of attorney and other documents that CAC deems necessary or
appropriate to enable CAC to carry out its administration, servicing and
collection duties hereunder. Dealer understands that absent an Event of Default
as set forth in Section 5.04, the assignment is without recourse to the general
assets of the Dealer and that the Dealer is not a guarantor of a Contract that
has been assigned to CAC. As such, the Dealer is not entitled to receive any
statutory notices concerning CAC's collection of a Receivable, such as a post
repossession notice (Uniform Commercial Code) or any other statutory notice.

(c) CAC's issuance of an approval number shall not be deemed to be acceptance of
a Contract for Servicing hereunder. Acceptance of a Contract shall occur only at
such time as CAC receives and approves the related Receivable Files.

(d) If CAC accepts such Contract it shall be deemed a Receivable under this
Agreement and CAC will service and administer such Receivable on behalf of the
Dealer in accordance with the terms of this Agreement. CAC is hereby authorized
and empowered to endorse the Dealer's name on any payments made payable to the
Dealer. CAC is also authorized to execute and deliver, in CAC's own name, and on
behalf of the Dealer, any and all instruments of satisfaction or cancellation,
or of partial or full release or discharge, and all other comparable
instruments, with respect to the Receivables or to the Financed Vehicles.

(e) Upon early termination of a Receivable, Dealer understands that the Obligor
may be entitled to a refund of an amount equal to the unused portion of any
premium collected by Dealer or otherwise received by the Dealer in connection
with the sale of any ancillary product, including GAP insurance, property
insurance, credit life and credit life accident and health insurance, and
warranty or service contracts. Any refund will be calculated in accordance with
the product policy or as required by applicable law. CAC will notify Dealer of
the cancellation and the Dealer will remit payment of the refund to the Obligor
or to CAC, as instructed by CAC.

(f) Notwithstanding any provision to the contrary elsewhere in this Agreement,
CAC is acting as an independent contractor, and shall have no duties or
responsibilities, except those expressly set forth herein, or any fiduciary
relationship with the Dealer, and no implied covenants, functions,
responsibilities, duties, obligations or liabilities shall be read into this
Agreement or otherwise exist with respect to CAC

(g) In furtherance of this Agreement, Dealer is encouraged to communicate
information to CAC, including location information on Obligors, to the extent
that the Dealer believes that the information will assist CAC in servicing the
Receivables.

2.02     DUTIES OF CAC

(a) CAC's duties shall consist of holding the Receivable Files; collecting and
posting of payments due under the Receivables as set forth in subsection (b) of
this Section 2.02 and reapplying the amounts so collected in the manner set
forth in section 3.03; responding to inquiries of Obligors on the Receivables;
investigating delinquencies; sending monthly payment books, payment statements
and/or receipts to Obligors; and furnishing statements to Participating Dealers
in accordance with Section 3.04.

(b) CAC shall use reasonable efforts to collect all payments called for under
the terms and provisions of the Receivables as and when the same shall become
due. On behalf of the Dealer, and at the discretion of CAC, CAC shall use
reasonable efforts to repossess or otherwise convert the ownership of the
Financed Vehicle securing any Receivable, and sell or otherwise liquidate the
Financed Vehicle. CAC may, in its discretion, negotiate payment arrangements
with a Obligor, settle account balances, waive any late payment charge or any
other fee, take any other action that it believes is necessary or advisable in
the servicing and collection of the Receivables, including selling or assigning
delinquent Receivables to third parties for Collection, or refrain from taking
any action that it believes is not in the best interest of CAC or the Dealer.

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2.03     DUTIES OF DEALER; GRANT OF SECURITY INTEREST

(a) Dealer shall comply will the terms and conditions of this Agreement,
including the representations and warranties set forth in Section 4.01.

(b) If required by CAC, the Dealer shall require each Obligor to obtain and
shall maintain adequate insurance covering damage, destruction and theft of the
Financed Vehicle, at least in the minimum amounts required by law. If CAC has
required such insurance and has determined that an Obligor has allowed any such
insurance covering the related Financed Vehicle to lapse, CAC may place such
insurance and pay the related premium for the account of the Obligor and the
Dealer.

(c) The Dealer will take such steps as are necessary to perfect the security
interest in the Financed Vehicle in the name of CAC, including placing CAC's
name as lien holder on all titles to the Financed Vehicles. The Dealer will take
all steps as are necessary to permit the Obligor to title and register the
Financed Vehicle in his/her name.

(d) If any payments of a Receivable are made to the Dealer after such Receivable
is accepted by CAC under this Agreement, the Dealer will immediately forward
such payment to CAC.

(e) The Dealer hereby grants CAC a security interest in all Receivables now or
hereafter transferred to CAC pursuant to this Agreement and in the Dealer's
interest in the Financed Vehicles connected therewith, together with all
proceeds, as security for the payment of all indebtedness of the Dealer to CAC,
including Advances, Collection Costs, Administrative Expenses and any other
amounts due to CAC hereunder. This grant of a security interest will survive the
termination of this Agreement until the Dealer has paid all its obligations to
CAC due under this Agreement in full, including Advances, Collection Costs and
Administrative Expenses. Dealer agrees to take any action requested by CAC from
time to time, to further perfect its security interest in the Receivables.

(f) As a Participating Dealer, the Dealer agrees to adhere to the operational
guidelines of the Guaranteed Credit Approval System and to take reasonable steps
to ensure that it sales staff is adequately trained and certified through CAC
University.

                                   ARTICLE III

ADVANCES, DISTRIBUTIONS AND SERVICING FEE

3.01     ADVANCES

Upon the acceptance by CAC of a Contract under Section 2.01, CAC may, in its
discretion, make an Advance. The amount of the Advance will be determined by the
applicable advance program or credit score currently in use by CAC and made
available to the Dealer at the time the Contract is submitted to CAC under
Section 2.01. Such Advances shall be repaid to CAC as provided in Section 3.03,
unless this Agreement is terminated early under Article V of this Agreement. CAC
reserves the right to modify its advance methodology from time to time, without
any prior notice to the Dealer.

3.02      SERVICING FEE

As compensation for the services provided by CAC to the Dealer, CAC will retain
20% of all Collections net of Collection Costs.

3.03     APPLICATION OF FUNDS

Collections received by CAC during a calendar month shall be applied as follows:

         FIRST, to reimburse CAC for all Collection Costs;

         SECOND, to pay to CAC its servicing fee set forth in Section 3.02
         above;

         THIRD, to all outstanding Advances or any other indebtedness or amounts
         owing from the Dealer to CAC, including, without limitation,
         Administrative Expenses, CAPS User Fees, Contract Termination Fees, and
         any indemnification obligations of Dealer to CAC pursuant to Section
         4.02 of this Agreement; and

         FOURTH, to the Dealer.

All amounts due to the Dealer under this Section 3.03 with respect to
Collections made during the calendar month shall be paid to the Dealer as soon
as possible, but in all circumstances before the last day of the month
immediately following the month the Collections were generated.

3.04     STATEMENTS TO DEALER

CAC shall provide Participating Dealers a statement, or access to a statement
via the Internet, containing the following information:

(i)      The amounts set forth in Section 3.03;
(ii)     The amount of any distribution to the Dealer.

Dealer understands and agrees that CAC may, at its discretion, terminate the
distribution of dealer statements in the event the Participating Dealer is no
longer in business or fails to submit any Contracts for the proceeding 12 months
and the Participating Dealer is not receiving back end payments pursuant to
Section 3.03 and has not specifically requested, in writing, that CAC continue
to send dealer statements.

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                                   ARTICLE IV

DEALER PROMISES

4.01     REPRESENTATIONS AND WARRANTIES

The Dealer makes the following representations on which CAC is relying in
entering into this Agreement with the Dealer in accepting Contracts and the
accompanying Receivables, and each request by the Dealer to CAC to administer,
service and collect a Receivable under Section 2.01 will act as a reaffirmation
of each of the following representations as of the date of such request:

(i) DOWN PAYMENT. Dealer understands that the amount of down payment paid by the
Obligor is an integral element of the CAC Financing Program and that the Dealer
must not misrepresent the amount of the down payment paid by the Obligor in
connection with the purchase of a Financed Vehicle. Down Payment means the
amount of "cash" or "trade" down payment paid by the Obligor with respect to the
purchase of the Financed Vehicle. To the extent that the Dealer accepts a
vehicle in trade towards, in whole or in part, the Obligors down payment, Dealer
agrees to apply only the Actual Cash Value of that vehicle to the trade in
amount. Dealer agrees to disclose on credit applications any and all rebates and
source of down payment, if known by the dealer. Dealer warrants not to purchase
any item, transfer funds, include any post dated checks, rebates, side notes or
installment notes to buyer for use as down payment or for any other reason
related to purchase, and that the down payment has been collected in full prior
to assignment to "CAC".

(ii) ORGANIZATION IN GOOD STANDING. The Dealer is duly organized and is validly
existing as a legal entity (corporation, partnership, sole proprietor, LLC,
etc.) a corporation in good standing under the laws of state in which it
operates, with full power and authority to own its properties and to conduct its
business, and had at all relevant times, and shall have power, authority, and
legal right to acquire and own the Receivables. The Dealer is duly qualified to
do business and has obtained all necessary licenses and approvals in all
jurisdictions in which the ownership or lease of property or the conduct of its
business requires such qualification. The individual signing this Agreement on
behalf of the Dealer has the power and authority to execute and deliver this
Agreement and to carry out its terms and the execution on behalf of the Dealer.

(iii) BINDING OBLIGATIONS. This Agreement constitutes a legal, valid, and
binding obligation of the Dealer enforceable in accordance with its terms,
except as enforceability may be limited by bankruptcy, insolvency,
reorganization, or other similar laws affecting the enforcement of creditors'
rights in general.

(iv) BROKERS AND FINDERS. Neither Dealer nor any person acting on its behalf has
employed any broker, agent or finder or incurred any liability for any brokerage
fees, agent commissions, finders fees, or bird dog fees in connection with the
transactions contemplated herein.

(v) NON-RELIANCE. The Dealer has independently and without reliance upon CAC,
and based on such documents and information, as it has deemed appropriate, made
its own appraisal of and investigation into the financial condition and
creditworthiness of each Obligor and made its own decision to enter into a
retail installment sale Contract with such Obligor.

4.02     INDEMNITIES

The Dealer will defend, indemnify, and hold harmless CAC from and against any
and all costs, expenses, losses, damages, claims and liabilities arising out of
or resulting from:

(i) any claims by the Obligor with respect to the condition or operation of the
Financed Vehicle and the purchase thereof; and the preparation of the Contract
assigned to CAC.

(ii) any breach of any of the representations, warranties or agreements made by
Dealer in this Agreement; and

(iii) any taxes that may at any time be asserted against CAC with respect to the
transactions contemplated herein (other than taxes measured by the net income of
CAC), including, without limitation any sales, gross receipts, general
corporation, tangible or intangible personal property, privilege, or license
taxes and costs and expenses in defending against same.

Indemnification under this Section shall include reasonable attorneys' fees, and
all expenses of litigation. To the extent that CAC incurs any costs, fees or
expenses pursuant to this Section 4.02, CAC may, at its discretion, treat these
costs, fees or expenses as Collection Costs, recovered pursuant to Section 3.03
of this Agreement..

4.03     CONFIDENTIALITY

Except as required for Dealer to conduct its regular daily business with CAC,
Dealer shall not at anytime, either during or for a period of two years after
termination of Dealer's relationship with CAC, or in any way, disclose,
disseminate, transfer and/or use, or permit anyone else to disclose,
disseminate, transfer and/or use, any Confidential Information of CAC. Dealer
acknowledges that the Confidential Information of CAC is valuable, special and
unique to CAC's business and on which such business depends, and is proprietary
to CAC and its affiliates, and that CAC has protected and wishes to continue to
protect the confidential Information by keeping it secret and confidential for
the sole use and benefit of CAC and its affiliates. Upon termination of this
Agreement without the necessity of any request from CAC, or at any other time
CAC may in writing so request, Dealer shall promptly deliver to CAC all
materials concerning any Confidential Information, copies thereof and any other
materials of CAC and/or its affiliates which are in Dealer's possession or under
Dealer's control, and Dealer shall not make or retain any copy, draft or extract
thereof which has been made at any time The obligations of Dealer under this
Section 4.04 shall survive the termination (for any reason) or breach of this
Agreement. Dealer agrees that CAC shall be entitled, as a matter of law, without
the need to prove irreparable injury, to an injunction, restraining order or
other equitable relief from any court of competent jurisdiction, restraining any
violation or threatened violation of this Section 4.04 (a) by Dealer.

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                                    ARTICLE V

TERMINATION AND ASSIGNMENT

5.01     MERGER OR CONSOLIDATION OF CAC

Any corporation (i) into which CAC may be merged or consolidated, (ii) which may
result from any merger, conversion, or consolidation to which CAC shall be a
party or (iii) which may succeed to the business of CAC, shall be the successor
to this Agreement without any further act on the part of any of the parties to
this Agreement.

5.02     RESIGNATION BY CAC

CAC may terminate this Agreement with respect to acceptance of all future
Contracts upon written notice to the Dealer.

5.03     TERMINATION BY THE DEALER

So long as there is no Event of Default, the Dealer may terminate this Agreement
upon written notice to CAC.

5.04     EVENTS OF DEFAULT

(a) Dealer understands the importance of assigning only those Contracts to CAC
that are in compliance with applicable law and are otherwise in compliance with
the Dealer Representations contained in this Agreement and in the Contract. To
the extent that CAC or the Dealer discovers that a Contract assigned to CAC is
not in compliance with the Dealer Representations contained in this Agreement,
and the violation is the result of a bona fide error or mistake, then Dealer
agrees to repurchase the subject Contract from CAC for an amount equal to the
Advance paid by CAC, plus the applicable Contract Termination Fee. Upon receipt
of this amount, CAC will re-assign the Contract to the Dealer and will execute
the necessary documentation transferring CAC's lien in the Financed Vehicle to
the Dealer.

However, to the extent that CAC reasonably believes that the Dealer has
undertaken a pattern and practice to defraud CAC by assigning to CAC Contracts
that violate the Dealer Representations contained in this Agreement or in the
Contract, then Dealer agrees to allow CAC or its designee immediate access to
audit Dealer's internal dealer records, including individual deal jackets, recap
sheets, general ledger, bank statements, cash receipt books and journals and any
other documents deemed necessary by CAC for use in conducting its audit. Upon
completion of the audit, CAC will notify Dealer of the audit results. CAC and
Dealer agree to meet and discuss the audit results in an attempt to resolve any
issues that may be discovered through the audit. To the extent that the parties
are unable to resolve their differences, CAC, at its discretion, can require the
Dealer to repurchase the entire portfolio pursuant to the termination language
of Section 5.05 of this Agreement.

(b) This Agreement shall terminate immediately, without further notice to
Dealer, and CAC shall be entitled to immediate repayment of all outstanding
Advances and the other amounts specified in Section 5.05 upon the occurrence of
any one of the following ("Events of Default"):

(i) Dealer refuses to grant CAC or its designee immediate access to its internal
records to perform an audit as provided for in Section 5.04 (a);

(ii) the Dealer admits in writing its inability to pay its debts generally as
they become due; files a petition to take advantage of any applicable bankruptcy
statute; makes an assignment for the benefit of its creditors or voluntarily
suspends payment of its obligations; a decree or order is entered by a court or
agency for the appointment of a conservator, receiver or liquidator for the
Dealer in any bankruptcy, readjustment of debt, marshaling of assets and
liabilities, or similar proceedings, or for the winding up or liquidation of its
affairs; or the Dealer consents to the appointment of a conservator or receiver
or liquidator in any insolvency, readjustment of debt, marshaling of assets and
liabilities, or similar proceedings of or relating to the Dealer;.

(iii) the Dealer or any guarantor, without CAC's written consent, (a) is
dissolved; (b) merges or consolidates with any third party; (c) leases, sells or
otherwise conveys a material part of its assets or business outside the ordinary
course of business; (d) ceases to operate its business; or (e) agrees to do any
of the foregoing;

5.05     EFFECT OF TERMINATION

Upon termination of this Agreement pursuant to Section 5.03 or Section 5.04, the
Dealer shall immediately pay to CAC the following amounts:

(i) Any unreimbursed Collection Costs and Administrative Expenses;
(ii) Any unpaid Advances and all other amounts owed by the Dealer to CAC; and
(iii) A termination fee equal to 20% of the then outstanding amount of the
Receivables.

Upon receipt in full of the amounts set forth in (i) through (iii) above, CAC
shall deliver all Receivable Files to the Dealer and shall take such action as
may be requested by Dealer, at the Dealers expense, to terminate or assign to
the Dealer CAC's security interest in the Receivables and Financed Vehicles. If
the Dealer fails to promptly pay such amounts, CAC may exercise any rights it
has, including those under the Uniform Commercial Code, and may, at its
discretion, continue to collect the Receivables and retain Collections in
satisfaction of such amounts due from the Dealer.

Dealer acknowledges and agrees that this termination fee is not a penalty
provision, but rather just compensation for the work CAC performed up to the
date of termination in addition to the work that will have to be performed in
transferring the Receivable Files back to the Dealer or its designee, releasing
its lien in the Financed vehicle and in notifying the Obligors that their
Contracts are now being serviced by the Dealer or its designee.

5.06     COLLECTION FOLLOWING TERMINATION

If this Agreement is terminated pursuant to Section 5.02, CAC shall continue to
service and administer the Receivables accepted under this Agreement prior to
the date of termination of this Agreement, unless (a) the Dealer pays to CAC the
amounts set forth in Section 5.05, at which time Section 5.05 shall govern, or
(b) an Event of Default occurs after the date of termination, at which time the
provisions of Section 5.05 shall apply.

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                                   ARTICLE VI

MISCELLANEOUS PROVISIONS

6.01     GOVERNING LAW

This Agreement shall be construed in accordance with the laws of the State of
Michigan and the obligations, rights, and remedies of the parties under this
Agreement shall be determined in accordance with such laws.

6.02     NOTICES

All demands, notices, and communications under this Agreement shall be in
writing, personally delivered or mailed by first-class mail, and shall be deemed
to have been duly given upon receipt at the address specified on the first page
of this Agreement, or at such other address as shall be designated in writing by
a party.

6.03     SEVERABILITY OF PROVISIONS; UNENFORCEABILITY

 If any one or more of the provisions of this Agreement shall be for any reason
whatsoever held invalid, then such provisions shall be deemed severable from the
remaining provisions of this Agreement or the rights of the Dealer or CAC. If
for any reason a court determines that any part of any of the provisions of this
Agreement is unreasonable in scope or otherwise unenforceable, such provision(s)
will be deemed modified and fully enforceable, as so modified, to the extent
determined by the court to be reasonable under the circumstances.

6.04     ARBITRATION AND COSTS

Any disputes and differences arising between the parties in connection with or
relating to this Agreement or the parties relationship with respect hereto shall
be settled and finally determined by arbitration in accordance with the
Commercial Arbitration Rules of the American Arbitration Association. The
arbitration shall take place in Southfield, Michigan and shall be conducted by
three arbitrators, one of whom shall be selected by the Dealer, one selected by
CAC and the third by the two arbitrators so selected. Each party shall notify
the other party of the arbitrators selected by it within 30 days of a written
request from one party to the other for arbitration. In the event either party
shall fail to select an arbitrator or fail to notify the other party of the
arbitrator that it has selected within such time period, the arbitrator so
selected by the other party shall select a second arbitrator. The decision and
award of the arbitrators shall be in writing, and shall be final and binding
upon the parties hereto. Judgment upon the award may be entered in any court
having jurisdiction thereof or any application may be made to such court for
judicial acceptance of or award in order of enforcement, as the case may be. In
the event that CAC shall prevail under any dispute or claim with respect to this
Agreement, the Dealer shall pay any costs and expenses incurred by CAC with
respect to such dispute, including court costs and attorneys' fees.
Notwithstanding the foregoing, CAC shall be entitled to seek legal and equitable
relief under this Agreement, pursuant to Section 4.04 or otherwise, in any court
of record in the State of Michigan, County of Oakland, or in the United States
District Court of the Eastern District of Michigan, and Dealer consents to the
jurisdiction thereof.

To the extent CAC and Dealer waive the right to arbitration pursuant to this
Section 6.04, the parties stipulate and agree that jurisdiction shall exist
exclusively in any court of competent jurisdiction in the State of Michigan,
County of Oakland or in the United States District Court of the Eastern District
of Michigan.

6.05     RIGHTS CUMULATIVE / WAIVER

All rights and remedies from time to time conferred upon or reserved to CAC are
cumulative, and none is intended to be exclusive of another. No delay or
omission in insisting upon the strict observance or performance of any provision
of this Agreement, or in exercising any right or remedy, shall be construed as a
waiver or relinquishment of such provision, nor shall it impair such right or
remedy.

6.06     USAGE OF TERMS

With respect to all terms in this Agreement, the singular includes the plural
and the plural the singular; words importing any gender include the other
genders; references to agreements and other contractual instruments include all
subsequent amendments thereto or changes therein entered into in accordance with
their respective terms and not prohibited by this Agreement; references to
Persons include their permitted successors and assigns; and the term "including"
means "including without limitation".

6.07     ASSIGNMENT

This Agreement shall inure to the benefit of CAC and the Dealer and each of
their permitted successors and assigns. Notwithstanding anything in this
Agreement to the contrary, the Dealer may not assign its rights under this
Agreement to any Person without the prior written consent of CAC.

6.08     SETOFF

CAC may, at any time and from time to time, at its option, set off and apply
against any amounts due to CAC either hereunder or otherwise any Dealer funds
held by CAC. This right of setoff extends to any additional or subsequent dealer
Advance Pools or Lots owned by Dealer.

6.09     DELEGATION OF DUTIES; LIABILITY

CAC may execute any of its duties under this Agreement by or through agents,
nominees or attorneys-in-fact and shall be entitled to advice of counsel
concerning all matters pertaining to such duties. CAC shall not be responsible
for the negligence or misconduct of any agents, nominees or attorneys-in-fact
selected by it with reasonable care. Neither CAC nor any of its officers,
directors, employees, nominees, attorneys-in-fact or affiliates shall be liable
for any action lawfully taken or omitted to be taken by it or any such person
under or in connection with this Agreement (except for its or such person's own
gross negligence or willful misconduct).

                                                                               7
<PAGE>   8

6.10     WAIVER OF JURY TRIAL

Dealer, after consulting or having had the opportunity to consult with counsel,
knowingly, voluntarily and intentionally waives any right it may have to a trial
by jury in any litigation based upon or arising out of this Agreement or any
course of conduct, dealing, statements (whether oral or written), or actions of
dealer or CAC. Dealer shall not seek to consolidate, by counterclaim or
otherwise any such action in which a jury trial cannot be or has not been
waived.

6.11     COMPLETE AGREEMENT

This Agreement contains the complete agreement of the parties hereto, and
supersedes any and all prior agreements, including Servicing Agreements (whether
written or oral), with respect to the subject matter hereof. This Agreement may
not be altered or amended without the written consent of both parties.

                                                                               8<PAGE>   1
                                                                  EXHIBIT 4.1(b)

                          AMENDMENT NO. 1 TO INDENTURE

         AMENDMENT (this "Amendment"), dated as of January 28, 2000, to the
Indenture, dated as of February 1, 1998 (the "Indenture"), among Mentus Media
Corp., a Delaware corporation and now known as Next Generation Network, Inc.
(the "Company"), and United States Trust Company of New York, a banking
corporation organized and existing under the laws of the State of New York, in
its capacity as trustee (the "Trustee").

                                   WITNESSETH:

         WHEREAS, the Company proposes to amend the Indenture in accordance with
Article 9 thereof;

         WHEREAS, the Company has obtained the consents of the requisite number
of Securityholders (as defined in the Indenture) to amend the Indenture;

         NOW THEREFORE, in consideration of the premises and the mutual
agreements contained herein and other good and valuable consideration, the
parties hereto agree as follows:

         SECTION 1. Definitions. All capitalized terms not otherwise defined in
this Amendment are used herein as defined in the Indenture.

         SECTION 2. Amendment to the Indenture. The Indenture is hereby amended
effective as of the date hereof as follows:

         (i) The definition of an "Asset Disposition" is amended by adding the
underscored and bold language below.

                  "Asset Disposition" means any sale, lease, transfer, issuance
         or other disposition (or series of related, sales, leases, transfers,
         issuances or dispositions that are part of a common plan) of shares of
         Capital Stock of (or any other equity interests in) a Restricted
         Subsidiary (other than directors' qualifying shares) or of any other
         property or other assets (each referred to for the purposes of this
         definition as a "disposition") by the Company or any of its Restricted
         Subsidiaries (including any disposition by means of a merge,
         consolidation or similar transaction) other than (i) a disposition by a
         Restricted Subsidiary to the Company or by the Company or a Restricted
         Subsidiary to a Wholly-Owned Subsidiary, (ii) a disposition of
         inventory in the ordinary course of business, (iii) a disposition of
         obsolete or worn out equipment or equipment that is no longer useful in
         the conduct of the business of the Company and its Restricted
         Subsidiaries and that is disposed of in the ordinary course of
         business, (iv) dispositions of property for net proceeds which, when
         taken collectively with the net proceeds of any other such dispositions
         under this clause (iv) that were consummated since the beginning of the
         calendar year in which such disposition is consummated, do not exceed
         $100,000, (V) THE

<PAGE>   2

         LICENSING OF TECHNOLOGY, KNOW-HOW AND OTHER INTELLECTUAL PROPERTY and
         (vi) transactions permitted under Section 5.01.

         (ii) The definition of a "Continuing Director" is amended by adding the
underscored and bold language below.

                  "Continuing Director" of any Person means, as of the date of
         determination, any Person who (i) was a member of the Board of
         Directors of such Person on the date of the Indenture; (ii) was
         nominated for election or elected to the Board of Directors of such
         Person with the affirmative vote of a majority of the Continuing
         Directors of such Person who were members of such Board of Directors at
         the time of such nomination or election; or (iii) was nominated or
         elected to the Board of Directors in accordance with the provisions of
         the Stockholders Agreement dated as of September 25, 1996, as amended
         by the First Amendment to the Stockholders Agreement dated as of August
         29, 1997, as such agreement may be further amended or supplemented from
         time to time; OR (IV) WAS NOMINATED OR ELECTED TO THE BOARD OF
         DIRECTORS IN ACCORDANCE WITH THE PROVISIONS OF THE AMENDED AND RESTATED
         STOCKHOLDERS AGREEMENT DATED AS OF JANUARY 28, 2000, AS SUCH AGREEMENT
         MAY BE AMENDED OR SUPPLEMENTED FROM TIME TO TIME.

         (iii) Section 4.11(a) of the Indenture is amended by adding the
underscored and bold language below and deleting the crossed out language below:

         SECTION 4.11.  LIMITATION ON AFFILIATE TRANSACTIONS.

                  (a) The Company will not, and will not permit any of its
         Restricted Subsidiaries to, directly or indirectly, enter into or
         conduct any transaction or series of related transactions for(the
         purchase, sale, lease or exchange of any property or the rendering
         of any service) with or for the benefit of any Affiliate of the
         Company, other than a Wholly-Owned Subsidiary (an "Affiliate
         Transaction") unless: (i) the terms of such Affiliate Transaction are
         no less favorable to the Company or such Restricted Subsidiary, as the
         case may be, than those that could be obtained at the time of such
         transaction in arm's length dealings with a Person who is not such an
         Affiliate; (ii) in the event such Affiliate Transaction involves an
         aggregate amount in excess of $100,000, the terms of such transaction
         have been approved by a majority of the members of the Board of
         Directors of the Company and by a majority of the disinterested members
         of such Board, if any (and such majority or majorities, as the case may
         be, determines that such Affiliate Transaction satisfies the criteria
         in (i) above); and (iii) in the event such Affiliate Transaction
         involves an aggregate amount in excess of $10,000,000, the Company has
         received a written opinion from an independent investment banking firm
         of nationally recognized standing that such Affiliate Transaction is
         fair to the Company or such Restricted Subsidiary, as the case may be,
         from a financial point of view; provided, however, that (X) advertising
         contracts entered into in the ordinary course of business between the
         Company and ANY OF ITS AFFILIATES AND (Y) LICENSING AND OTHER
         COMMERCIAL ARRANGEMENTS BETWEEN THE COMPANY AND OTIS ELEVATOR COMPANY
         AND/OR ITS AFFILIATES need only be approved in the manner contemplated
         in (A)(I) AND (a)(ii) above.

                                      - 2-

<PAGE>   3

                  (b) The foregoing paragraph (a) shall not apply to (i) any
         issuance of securities, or other payments, awards or grants in cash,
         securities or otherwise pursuant to, or the funding of, employment
         arrangements, or any stock options and stock ownership plans for the
         benefit of employees, officers and directors, consultants and advisors
         approved by the Board of Directors of the Company, (ii) loans or
         advances to employees in the ordinary course of business of the Company
         or any of its Restricted Subsidiaries in aggregate amount outstanding
         not to exceed $100,000 at any time, (iii) any transaction between
         Wholly-Owned Subsidiaries, (iv) indemnification agreements with, and
         the payment of fees and indemnities to, directors, officers and
         employees of the Company and its Restricted Subsidiaries, in each case
         in the ordinary course of business, (v) transactions pursuant to
         agreements in existence on the Issue Date which are (x) described in
         the Offering Memorandum or (y) otherwise, in the aggregate, immaterial
         to the Company and its Restricted Subsidiaries taken as a whole, (vi)
         any employment, non-competition or confidentiality agreements entered
         into by the Company or any of its Restricted Subsidiaries with its
         employees in the ordinary course of business, (vii) THE AMENDED AND
         RESTATED STOCKHOLDERS AGREEMENT DATED AS OF JANUARY 28, 2000 AMONG THE
         COMPANY AND CERTAIN OF ITS SECURITY HOLDERS, THE AMENDED AND RESTATED
         REGISTRATION RIGHTS AGREEMENT DATED AS OF JANUARY 28, 2000 AMONG THE
         COMPANY AND CERTAIN OF ITS SECURITY HOLDERS, THE WARRANT AGREEMENT
         BETWEEN THE COMPANY AND UNITED STATES TRUST COMPANY OF NEW YORK DATED
         AS OF FEBRUARY 18, 1998, AND THE COMMON STOCK REGISTRATION RIGHTS AND
         STOCKHOLDERS AGREEMENT BETWEEN THE COMPANY AND NATWEST CAPITAL MARKETS
         LIMITED, AS INITIAL PURCHASER, IN EACH CASE AS THE SAME MAY BE AMENDED
         FROM TIME TO TIME and (viii) the issuance of Capital Stock of the
         Company (other than Disqualified Stock).

         SECTION 3. APPLICABLE LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

         SECTION 4. Headings. The headings of this Amendment are for the
purposes of reference only and shall not affect the construction of, or
be taken into consideration in interpreting, this Amendment.

         SECTION 5. Counterparts. This Amendment may be executed in
counterparts, each of which shall be deemed an original, but which
taken together shall constitute one agreement.

         SECTION 6. The Trustee. The Trustee is not responsible in any manner
whatsoever for or in respect of the validity or sufficiency of this
Amendment or for or in respect of the recitals contained herein, all of which
are made solely by the Company.

                                     - 3 -

<PAGE>   4

                  IN WITNESS WHEREOF, the undersigned have caused this Amendment
to be duly executed as of the date and year first written above.

                                             NEXT GENERATION NETWORK, INC.

                                             By:______________________________
                                             Name:____________________________
                                             Title:___________________________

                                             UNITED STATES TRUST COMPANY OF NEW
                                               YORK, as Trustee

                                             By:______________________________
                                             Name:____________________________
                                             Title:___________________________

                                     - 4 -

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