Document:

EXHIBIT 10.1

<TABLE>
<CAPTION>
                                              August 15, 2002
                                    DART 2000-1 DISTRIBUTION SUMMARY

                                            Collection Account

Wire/Deposit to:                           In consideration of:                         In the amount of:
----------------                           --------------------                         -----------------
<S>                                        <C>                                          <C>
1.  Premier Auto Finance, Inc.             Reimburse Previous Advances                              12,284.00
                                           Excess Coverage                                               0.00

2.  Bank of New York                       Indenture Trustee Fee                                         0.00

3.  Chase                                  Owner Trustee Fee                                             0.00

4.  Premier Auto Finance, Inc.             Servicing Fees                                          185,517.25
                                           Late Fees                                                47,926.84
                                                                                        ---------------------
                                           Total Servicing Fees                                    233,444.09

5.  Note Distribution Account              Note Interest                                         1,245,402.32

6.  Certificate Distribution Account       Certificate Interest                                     87,068.70

7.  Note Distribution Account              Principal Payable                                    14,747,922.99

8.  Certificate Distribution Account       Principal Payable                                             0.00

9.  Reserve Fund                           Funding                                                 372,538.53

                                                                                        ---------------------
TOTAL AMOUNT WIRED/DEPOSITED:                                                                   16,698,660.63
                                                                                        =====================

                                             Reserve Account

Wire/Deposit to:                           In consideration of:                      In the amount of:
----------------                           --------------------                      -----------------

1. Collection Account                      Collection Shortfall                                          0.00

2. Premier Auto Finance, Inc.              Excess Reserve Release                                6,011,885.55

                                                                                        ---------------------
TOTAL AMOUNT WIRED/DEPOSITED:                                                                    6,011,885.55
                                                                                        =====================
/S/ Kevin P. Diamond
----------------------------
Senior Vice President

/S/ David C. Greenberg
----------------------------
CEO                                                                                           August 22, 2002
</TABLE>

                                  Page 3 of 9
<PAGE>

               Dealer Auto Receivables Owner Trust 2000-1+B3:L150

  190,000,000.00   6.69% Dealer Auto Receivables Asset-Backed Notes, Class A-1
  274,000,000.00   7.01% Dealer Auto Receivables Asset-Backed Notes, Class A-2
  168,000,000.00   7.07% Dealer Auto Receivables Asset-Backed Notes, Class A-3
   83,251,000.00   7.12% Dealer Auto Receivables Asset-Backed Notes, Class A-4
   24,470,000.00   7.46% Dealer Auto Receivables Asset-Backed Notes, Class B
   13,175,591.56   7.93% Dealer Auto Receivables Asset- Backed Certificates

<TABLE>
<CAPTION>
                                                         Monthly Report
                                            For the August 15, 2002 Distribution Date
<S>                                                                                                <C>
A    Calculation of Available Amounts

     1   Available Principal (as defined in Article I of the Sale and Servicing Agreement)                 $14,345,863.70
                                                                                                   -----------------------
     2   Available Interest (as defined in Article I of the Sale and Servicing Agreement)                   $2,304,870.09
                                                                                                   -----------------------
     3   Available Amounts (l. plus 2.)                                                                    $16,650,733.79
                                                                                                   -----------------------

B    Calculation of Principal Distributable Amount                                                         $14,747,922.99
     (as defined in Article I of the Sale and Servicing Agreement)                                 -----------------------

C    Calculation of Note Monthly Principal Distributable Amount                                            $14,747,922.99
                                                                                                   -----------------------

     1   Note Percentage for such Distribution Date

     (a)    for each Distribution Date to but excluding the Distribution Date on which the
            principal amount of the Class B Notes is reduced to zero                                              100.00%
                                                                                                   -----------------------

     (b)    after the principal amount of the Class B Notes have been reduced to zero                               0.00%
                                                                                                   -----------------------

     2  Principal Distributable Amount (from B)                                                            $14,747,922.99
                                                                                                   -----------------------

     3   Note Monthly Principal Distributable Amount for

         (a)Class A-1 Notes                                                                                         $0.00
                                                                                                   -----------------------

         (b)Class A-2 Notes                                                                                         $0.00
                                                                                                   -----------------------

         (c)Class A-3 Notes                                                                                $14,747,922.99
                                                                                                   -----------------------

         (d)Class A-4 Notes                                                                                         $0.00
                                                                                                   -----------------------

         (e)Class B Notes                                                                                           $0.00
                                                                                                   -----------------------

         (f)Note Principal Carryover Shortfall                                                                      $0.00
                                                                                                   -----------------------

D    Calculation of Note Monthly Interest Distributable Amount

     1   Class A-1 Interest Rate                                                                                    6.69%
                                                                                                   -----------------------

     2   Class A-2 Interest Rate                                                                                    7.01%
                                                                                                   -----------------------

     3   Class A-3 Interest Rate                                                                                    7.07%
                                                                                                   -----------------------

     4   Class A-4 Interest Rate                                                                                    7.12%
                                                                                                   -----------------------

     5   Class B Interest Rate                                                                                      7.46%
                                                                                                   -----------------------
                                                                Page 4 of 9
<PAGE>

     6   Class A-1 Note Interest Distributable Amount                                                               $0.00
                                                                                                   -----------------------

     7   Class A-2 Note Interest Distributable Amount                                                               $0.00
                                                                                                   -----------------------

     8   Class A-3 Note Interest Distributable Amount                                                         $599,324.56
                                                                                                   -----------------------

     9   Class A-4 Note Interest Distributable Amount                                                         $493,955.93
                                                                                                   -----------------------

     10   Class B Note Interest Distributable Amount                                                          $152,121.83
                                                                                                   -----------------------

     11   Aggregate Interest Carryover Shortfall for each Class for such Distribution Date                          $0.00
                                                                                                   -----------------------

     12   Note Monthly Interest Distributable Amount (the sum of items D.6, D.7, D.8, D.9,
          D.10 and D.11)                                                                                    $1,245,402.32
                                                                                                   -----------------------

E    Calculation of Note Distributable Amount (sum of C.3 plus D.12.)                                      $15,993,325.31
                                                                                                   -----------------------

F    Calculation of Certificate Principal Distributable Amount

     1   Certificate Balance                                                                               $13,175,591.56
                                                                                                   -----------------------

     2   Principal Distributable Amount                                                                             $0.00
                                                                                                   -----------------------

     3   Certificate Percentage for each respective Distribution Date

     3   (a)for each Distribution Date to but excluding the Distribution Date on which the
            Principal Amount of the Class B Notes is reduced to zero                                                0.00%
                                                                                                   -----------------------

     3   (b)on the Distribution Date on which the Principal Amount of the Class B Notes is
            reduced to zero
                                                                                                   -----------------------

     3   (c)thereafter                                                                                            100.00%
                                                                                                   -----------------------

     4   (a)Principal Distributable Amount multiplied by the Certificate Percentage for
            such Distribution Date                                                                                  $0.00
                                                                                                   -----------------------

     4   (b)Certificate Principal Carryover Shortfall for such Distribution Date                                    $0.00
                                                                                                   -----------------------

     5   Certificate Principal Distributable Amount (the sum of  4.(a) and 4.(b))                                   $0.00
                                                                                                   -----------------------

G    Calculation of Certificate Interest Distributable Amount

     1   Certificate Pass-Through Rate                                                                              7.93%
                                                                                                   -----------------------

     2   (a)Certificate Monthly Interest Distributable Amount                                                  $87,068.70
                                                                                                   -----------------------

     2   (b)Certificate Interest Carryover Shortfall for such Distribution Date                                     $0.00
                                                                                                   -----------------------

     3   Certificate Interest Distributable Amount (sum of 2.(a) and 2.(b))                                    $87,068.70
                                                                                                   -----------------------

H    Calculation of Certificate Distributable Amount (sum of F.5 and G.3)                                      $87,068.70
                                                                                                   -----------------------

I    Fees

     1   The Monthly Servicing Fee for such Distribution Date                                                 $185,517.25
                                                                                                   -----------------------
     (1/12 of the product of 1% and the Aggregate Principal Balance of the Contracts as of
      the beginning of the preceding Distribution Date)

     2   Late Payment Penalty Fees for such Distribution Date                                                  $47,926.84
                                                                                                   -----------------------

     3   Extension Fees for such Distribution Date                                                                  $0.00
                                                                                                   -----------------------

                                                                Page 5 of 9
<PAGE>

     4   Indenture Trustee Fee for such Distribution Date                                                           $0.00
                                                                                                   -----------------------

     5   Owner Trustee Fee for such Distribution Date                                                               $0.00
                                                                                                   -----------------------

J    Calculation of the Available Amounts for such Distribution Date

     1  The amount of funds deposited into the Collection Account pursuant to Section
     5.05(b) of the Sale and Servicing Agreement with respect  to the related Due Period                    16,698,660.63
                                                                                                   -----------------------

     a      All amounts received by the Indenture Trustee or the Servicer with respect to
            principal and interest on the Contracts, as well as Late Payment Penalty Fees
            and Extensions Fees for related Due Period                                                    $ 15,870,143.27
                                                                                                   -----------------------

     b      All Net Liquidation Proceeds                                                                      $825,463.97
                                                                                                   -----------------------

     c      The aggregate of the Repurchase Prices for Contracts required to be repurchased
            by the Depositor as described in Section 7.05 of the Sale and Servicing Agreement                       $0.00
                                                                                                   -----------------------

     d      All Advances made by Servicer pursuant to Section 7.02 of the Sale and
            Servicing Agreement                                                                                         -
                                                                                                   -----------------------

     e      All amounts paid by the Seller in connection with an optional repurchase of the
            Contracts described in Section 7.07 of the Sale and Servicing Agreement                                 $0.00
                                                                                                   -----------------------

     f      All amounts received in respect of interest, dividends, gains, income and
            earnings on investments of funds in the Trust Accounts as contemplated in
            Section 5.05(b) of the Sale and Servicing Agreement                                                  3,053.39
                                                                                                   -----------------------

     g      Total amount of funds deposited into the Collection Account pursuant to
            Section 5.05(b)                                                                               $ 16,698,660.63
                                                                                                   -----------------------
             (the sum of a. through f.)

     2  The amount of funds permitted to be withdrawn from the Collection Account pursuant
     to clauses (i) through (iii) of Section 7.03(a) of the Sale and Servicing Agreement
     with respect to related Due Period                                                                       $245,728.09
                                                                                                   -----------------------

     a      Amounts to be paid to the Servicer as the Reimbursement Amount in accordance
            with Section 7.02 of the Sale and Servicing Agreement                                               12,284.00
                                                                                                   -----------------------

     b      Amounts to be paid to the Servicer in respect to the Servicing Fee for the
            related Due Period                                                                                $233,444.09
                                                                                                   -----------------------

     c      Amounts to be paid to the Indenture Trustee in respect of the Indenture
            Trustee Fee for the related Due Period                                                                  $0.00
                                                                                                   -----------------------

     d      Amounts to be paid to the Owner Trustee in respect of Owner Trustee Fee for
            related Due Period                                                                                      $0.00
                                                                                                   -----------------------

     e      Total amount of funds permitted to be withdrawn from the Collection
            Account pursuant to clauses (i) through (iii) Section 7.03(a) of the
            Sale and Servicing Agreement with respect to the related
            Due Period (sum of a. through d.)                                                                 $245,728.09
                                                                                                   -----------------------

     3  The Available Amounts (not including amounts from Reserve Fund Account) for such
     Distribution Date available to pay Note Distributable Amounts  and Certificate
     Distributable Amounts                                                                                 $16,452,932.54
                                                                                                   -----------------------
      (1(g) minus 2(e))

K    The shortfall of Available Amounts for such Distribution Date to pay either the Note
     Distributable Amount or the Certificate Distributable Amount                                                   $0.00
                                                                                                   -----------------------
     (the Available Amounts for such Distribution Date minus the sum of the Note
     Distributable Amount as set forth in E. and the Certificate Distributable Amount as
     set forth in H.)

L    The amount to be withdrawn from the Reserve Fund on such Distribution Date to cover the
     Note Interest Distributable Amount                                                                             $0.00
                                                                                                   -----------------------

                                                                Page 6 of 9
<PAGE>

M    The amount to be withdrawn from the Reserve Fund on such Distribution Date to cover the
     Certificate Interest Distributable Amount                                                                      $0.00
                                                                                                   -----------------------

N    The amount to be withdrawn from the Reserve Fund on such Distribution Date to cover the
     Note Principal Distributable Amount                                                                            $0.00
                                                                                                   -----------------------

O    The amount to be withdrawn from the Reserve Fund on such Distribution Date to cover the
     Certificate Principal Distributable Amount                                                                     $0.00
                                                                                                   -----------------------

P    Interest Earnings on the Reserve Fund.                                                                     $3,594.48
                                                                                                   -----------------------

Q    The amount on deposit in the Reserve Fund after giving effect to deposits and
     withdrawals therefrom on such Distribution Date                                                         8,834,593.14
                                                                                                   -----------------------

R    The Specified Reserve Fund Amount for such Distribution Date will be an
     amount equal to the lesser of (i) the aggregate unpaid principal balance of
     the Class A-1 Notes, the Class A-2 Notes, the Class A-3 Notes, the Class
     A-4 Notes and the Class B Notes and the Certificate Balance as of such
     Distribution Date, and (ii) the greater of:

     (a) 4.25% of the aggregate unpaid principal balance of the Class A-1 Notes,
     the Class A-2 Notes, the Class A-3 Notes, the Class A-4 Notes and the Class
     B Notes and the Certificate Balance on such Distribution Date, except that
     if a Reserve Fund Trigger Event shall have occurred and be continuing on
     such Distribution Date, then the percentage of the aggregate unpaid
     principal balance of the Class A-1 Notes, the Class A-2 Notes, the Class
     A-3 Notes, the Class A-4 Notes and the Class B Notes and the Certificate
     Balance referred to in this clause (a), shall be equal to 6.50%; and

     (b)  1.00% of the Aggregate Principal Balance as of the Cutoff Date.                                    8,834,593.14
                                                                                                   -----------------------

S    The Pool Factor
               Factor immediately Before Factor immediately After
                  such Distribution Date such Distribution Date

            Class A-1 Note            1      0.0000000             7        0.0000000
                                        ---------------              -----------------

            Class A-2 Note            2      0.0000000             8        0.0000000
                                        ---------------              -----------------

            Class A-3 Note            3      0.6055007             9        0.5177154
                                        ---------------              -----------------

            Class A-4 Note            4      1.0000000             10       1.0000000
                                        ---------------              -----------------

            Class B Note              5      1.0000000             11       1.0000000
                                        ---------------              -----------------

            Certificate               6      1.0000000             12       1.0000000
                                        ---------------              -----------------

T    Delinquent Contracts

     1    31-60 Days                                                                             941         $7,803,336.88
                                                                                             ------------------------------

     2    61-90 Days                                                                             153         $1,313,352.94
                                                                                             ------------------------------

     3    91 or More Days                                                                         70           $602,059.70
                                                                                             ------------------------------

            Total Delinquent Receivables                                                       1,164         $9,718,749.52
            61+ Days Delinquencies as Percentage of Receivables                                                      0.92%

            Delinquency Ratio for Second Preceding Collection Period                                                 0.90%
            Delinquency Ratio for Preceding Collection Period                                                        0.90%
            Delinquency Ratio for Current Collection Period                                                          0.92%
            Average Delinquency Ratio                              (Reserve Fund Trigger Event >= 2.0%)              0.91%

                                                                Page 7 of 9
<PAGE>

U    Defaulted Contracts

     1   Total Defaulted Contracts for the Due Period                                          144           1,126,403.68
                                                                                                   -----------------------

     2   Identity (attach)

     3   Liquidation proceeds for the Due Period                                                              $859,063.41
                                                                                                   -----------------------

     4   Liquidation expenses for the Due Period                                                                33,599.44
                                                                                                   -----------------------

     5   Net Liquidation Proceeds for the Due Period                                                          $825,463.97
                                                                                                   -----------------------

     6   Net Liquidation Losses for the Due Period                                                            $300,939.71
                                                                                                   -----------------------

            Pool Balance at Beginning of Collection Period                                               $ 222,620,702.83
            Net Loss Ratio for Current Collection Period                                                            1.62%

            Net Loss Ratio for Second Preceding Collection Period                                                   2.00%
            Net Loss Ratio for Preceding Collection Period                                                          2.75%
            Net Loss Ratio for Current Collection Period                                                            1.62%
            Average Net Loss Ratio                                 (Reserve Fund Trigger Event >= 2.5%)             2.12%

V    Advances

     1   Unreimbursed Advances prior to such Distribution Date                                                $124,617.97
                                                                                                   -----------------------

     2   Amount paid to Servicer on such Distribution Date to reimburse Servicer for such
         unreimbursed Advances                                                                                  92,850.15
                                                                                                   -----------------------

     3   Amount of Delinquent Interest for the related Due Period                                               80,566.15
                                                                                                   -----------------------

     4   Amount of new Advances on such Distribution Date (if such amount is less than the                    (12,284.00)
         amount of Delinquent Interest, attach the certificate required by Section 7.02 of         -----------------------
         the Sale and Servicing Agreement)

     5   Total of unreimbursed Advances after new Advances on such Distribution Date                          $112,333.97
                                                                                                   -----------------------

W    Repurchased Contracts

     1   Number of Contracts to be repurchased pursuant to Section 7.07 of the Sale and
         Servicing Agreement                                                                                            0
                                                                                                   -----------------------

     2   Principal Amount of such Contracts                                                                         $0.00
                                                                                                   -----------------------

     3   Related Repurchase Price of such Contracts                                                                 $0.00
                                                                                                   -----------------------

X    Contracts

     1   Number of Contracts as of beginning of Due Period                                                         29,533
                                                                                                   -----------------------

     2   Principal Balance of Contracts as of beginning of Due Period                                     $222,620,702.83
                                                                                                   -----------------------

     3   The weighted average Contract Rate of the Contracts as of the beginning of the
         Due Period                                                                                                11.73%
                                                                                                   -----------------------

     4   The weighted average remaining term to maturity of the Contracts as of the
         beginning of the Due Period                                                                                29.16
                                                                                                   -----------------------

     5   Number of Contracts as of end of Due Period                                                               28,178
                                                                                                   -----------------------

     6   Principal Balance of Contracts as of end of Due Period                                           $207,872,779.84
                                                                                                   -----------------------

     7   The weighted average Contract Rate of the Contracts as of the end of the Due Period                       11.75%
                                                                                                   -----------------------

     8   The weighted average remaining term to maturity of the Contracts as of the end of
         the Due Period                                                                                             28.48
                                                                                                   -----------------------
                                                                Page 8 of 9
</TABLE>
<PAGE>

                                Net Loss Addendum

For the Period Ending July 31, 2002             Reported             Actual*
Servicing Report Dated August 15, 2002             8K                 Loss
                                                ---------            -------
Net Loss Ratio for Current Month                  1.62%               2.88%
Net Loss Ratio for Previous Month                 2.75%               3.99%
Net Loss Ratio for 2nd Previous Month             2.00%               4.17%
Net Loss Ratio Three Month Average                2.12%               3.68%

                       Section "U" of Servicer Certificate

The difference between the Reported 8K and Actual Loss column is driven by the
difference in the definition of a Defaulted Contract between the DART 2000-1
Servicing Agreement and the servicer's normal procedures as described in the
Prospectus. Generally the servicer charges-off a contract:

1)   when the servicer deems the contract uncollectible;

2)   if the financed vehicle is not repossessed, during the month when 5% or
     more of an installment due under the contract becomes more than 120 days
     past due;

3)   if the financed vehicle is repossessed, when all sale proceeds, insurance
     claims and refunds of financed insurance policies and extended warranties
     have been received; or

4)   when an obligor files for bankruptcy and the servicer determines that its
     loss is known.

The definition of a Defaulted Contract in the DART 2000-1 Sale And Servicing
Agreement states:

     "Defaulted Contract" means a Contract with respect to which there has
     occurred one or more of the following: (i) all or part of a scheduled
     payment under the Contract is 120 days or more than 120 days past due and
     the Servicer has not repossessed the related Financed Vehicle, (ii) the
     Servicer, has in accordance with its customary servicing procedures,
     determined that eventual payment in full is unlikely and has either
     repossessed and liquidated the related Financed Vehicle or repossessed and
     held the related Financed Vehicle in its repossessed inventory for 90 days,
     whichever occurs first; provided, however, in no event shall the period of
     time referred to in clauses (i) or (ii) extend for a combined period of
     longer than 120 days, or (iii) the relevant Obligor has suffered an
     Insolvency Event.

Two differences between the two standards account for the change in the Net Loss
Ratio reported in the revised Servicer Certificate from the Net Loss Ratio
calculated in accordance with the servicer's customary servicing procedures:

1)   Under the DART 2000-1 Servicing Agreement the servicer must recognize the
     entire amount of a bankrupt account as a loss when the obligor files for
     bankruptcy rather than when the seller determines the actual amount of
     loss. Although prior experience does not necessarily predict future
     performance, in the servicer's experience, a majority of the accounts that
     file bankruptcy are collected.

2)   Under the DART 2000-1 Servicing Agreement repossessions in inventory are
     considered to be a loss if the contract is 120 days delinquent.
     Traditionally the Servicer would not consider repossessions in inventory to
     be a loss until the car has been sold and all liquidation proceeds have
     been recovered and the loss is known.

*Losses as determined according to the Servicer's customary servicing
procedures.

                                  Page 9 of 9<PAGE>

                                                                    Exhibit 4(e)

                                 AMENDMENT NO. 5
                                       TO
                         AMERICAN DENTAL PARTNERS, INC.
                   AMENDED AND RESTATED 1996 STOCK OPTION PLAN

     The American Dental Partners, Inc. Amended and Restated 1996 Stock Option
Plan, as previously amended by Amendment No. 1 dated February 27, 1998,
Amendment No. 2 dated November 6, 1998, Amendment No. 3 dated February 26, 1999,
and Amendment No. 4 dated July 1, 1999 (collectively, the "Plan"), is hereby
amended pursuant to the following provisions:

     1. Definitions

     All capitalized terms used in this amendment which are not otherwise
defined herein shall have the respective meanings given such terms in the Plan.

     2. Eligibility

     The third sentence of the first paragraph of Section 5 of the Plan is
hereby deleted from the Plan in its entirety and replaced with the following:

     As used in the Plan, the term "subsidiaries" shall mean (a) any subsidiary
     corporations of the Company as defined in Section 424(f) of the Code and
     the Treasury Regulations promulgated thereunder (the "Regulations"), and
     (b) any limited liability companies in which the Company or any such
     subsidiary corporation is the sole member.

     3. Effective Date; Construction

     The effective date of this amendment is July 1, 2001, and this amendment
shall be deemed to be a part of the Plan as of such date. In the event of any
inconsistencies between the provisions of the Plan and this amendment, the
provisions of this amendment shall control. Except as modified by this
amendment, the Plan shall continue in full force and effect without change.

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