Document:

THIS
        NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED.
        THIS
        NOTE MAY NOT BE SOLD, OFFERED FOR SALE, PLEDGED OR HYPOTHECATED IN THE ABSENCE
        OF AN EFFECTIVE REGISTRATION STATEMENT AS TO THE SECURITIES UNDER SAID ACT
        OR AN
        OPINION OF COUNSEL SATISFACTORY TO THE CORPORATION THAT SUCH REGISTRATION
        IS NOT
        REQUIRED.

       

      MANCHESTER,
        INC.

       

      S
        TAX REIMBURSEMENT PROMISSORY NOTE

       

      
        	U.S. $1,577,785.00	
                October
                  4,
                  2006

              

      

       

      	1.  	
              FOR
                VALUE RECEIVED, pursuant to the terms that certain Share Purchase
                and
                Exchange Agreement, of even date hereof (the “Share Purchase and Exchange
                Agreement”), by and between Nice Cars Acceptance AcquisitionCo, Inc., a
                Delaware corporation (the “Company”), Manchester Inc., a Nevada
                corporation (“Manchester”), Nice Cars Capital Acceptance Corporation, a
                Georgia corporation (“NCCAC”), and the Shareholders of NCCAC, Ray Lyle and
                Victoria Lyle (the “Sellers”), the Company, Nice Cars Operations
                AcquisitionCo, Inc. and Manchester (collectively herein referred
                to as
                “Maker”) jointly and severally hereby promise to pay to the order of the
                Sellers, on such date as set forth in Section 3 below, at such place
                and
                in such manner as the Sellers may specify in writing, the principal
                amount
                of one
                million five hundred seventy seven thousand seven hundred eighty
                five
                dollars ($1,577,785)
                (the “Principal”), subject
                to adjustment as provided herein. Maker shall pay ordinary interest
                on the
                outstanding principal of this note (this “Note”) at the annual rate of ten
                percent (10%) per annum, calculated based on a year of 360 days and
                actual
                days elapsed (the “Interest”). In addition, the Maker shall pay a gross-up
                surcharge reflecting the additional tax due in respect of payment
                of taxes
                on behalf of the Sellers, which shall equal fifteen percent (15%)
                of the
                Principal after giving effect to the adjustment of such Principal
                as
                provided herein (the “Gross Up Payment”). All capitalized terms not
                otherwise defined herein shall have the meaning set forth in the
                Share
                Purchase and Exchange Agreement.

            

       

      	2.  	
              Interest
                in arrears on the Principal shall be payable as and when the Principal
                is
                due. Such interest payment shall be in an amount equal to the Interest
                accrued through the payment date. 

            

       

      	3.  	
              The
                Principal, subject to adjustment as provided herein, together with
                all
                accrued and unpaid Interest, the Gross Up Payment, and all other
                sums due
                hereunder or in connection herewith if not sooner due and payable
                in
                accordance with the terms of this Note shall on January 2, 2007 (the
                “Initial Due Date”) be paid by Maker in whole or in part to the extent
                that Sellers have prepared and filed their federal and state income
                tax
                returns for the years ending December 31, 2005 and for December 31,
                2006
                and paid the S Taxes attributed to the S Income which is respectively
                due
                thereunder, or if such S Taxes are not paid in part or in full as
                of the
                Initial Due Date, the balance of the Principal, subject to adjustment
                as
                provided herein, together with all accrued and unpaid Interest, the
                Gross
                Up Payment, and all other sums due hereunder or in connection herewith,
                shall be paid on the date that such S Taxes are respectively paid
                thereafter. The Sellers shall provide Maker with at least two (2)
                business
                days advance notice in respect of each such payment of S Taxes.
                The
                S
                Taxes attributable to the S Income shall be computed in accordance
                with
                the procedures set forth in Section 8 of the Share
                Purchase and Exchange Agreement, and the amount of the S Taxes due
                and
                payable by the Sellers are so computed, the Maker and Sellers will
                make
                any adjustments necessary as set forth in Section 8(a) of the Share
                Purchase and Exchange Agreement. 

            

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      	4.  	
              The
                failure at any time of the Sellers to exercise any of its options
                or any
                other rights hereunder shall not constitute a waiver thereof, nor
                shall it
                be a bar to the exercise of any of its options or rights at a later
                date.
                All rights and remedies of the Sellers shall be cumulative and may
                be
                pursued singly, successively or together, at the option of the Sellers.
                The acceptance by the Sellers of any partial payment shall not constitute
                a waiver of any default or of any of the Sellers' rights under this
                Note.
                No waiver of any of its rights hereunder, and no modification or
                amendment
                of this Note, shall be deemed to be made by the Sellers unless the
                same
                shall be in writing, duly signed on behalf of the Sellers; and each
                such
                waiver shall apply only with respect to the specific instance involved,
                and shall in no way impair the rights of the Sellers in any other
                respect
                at any other time.

            

      

      	5.  	
              Any
                term or condition of this Note may be waived at any time by the party
                that
                is entitled to the benefit thereof, but no such waiver shall be effective
                unless set forth in a written instrument duly executed by or on behalf
                of
                the party waiving such term or condition.

            

      

      	6.  	
              Maker
                represents and warrants that this Note is the valid and binding obligation
                of Maker, fully enforceable in accordance with its terms. The execution
                and delivery by Maker of this Note, the performance by Maker of its
                obligations hereunder and the consummation of the transactions
                contemplated hereby and thereby does not and will not: (a) conflict
                with
                or result in a violation or breach of any of the terms, conditions
                or
                provisions of Maker’s charter instruments; (b) conflict with or result in
                a violation or breach of any term or provision of any law or order
                applicable to Maker or any of its assets and properties; or (c) (i)
                conflict with or result in a violation or breach of, or (ii) result
                in or
                give to any person any rights or create any additional or increased
                liability of Maker under, or (iii) create or impose any lien upon
                Maker or
                any of its assets and properties under, any contract or permit to
                which
                Maker is a party or by which its assets and properties are bound.
                

            

      

      	7.  	
              If
                any provision of this Note is held to be illegal, invalid or unenforceable
                under any present or future Law, and if the rights or obligations
                of any
                party hereto under this Note will not be materially and adversely
                affected
                thereby, (i) such provision will be fully severable; (ii) this Note
                will
                be construed and enforced as if such illegal, invalid or unenforceable
                provision had never comprised a part hereof; (iii) the remaining
                provisions of this Note will remain in full force and effect and
                will not
                be affected by the illegal, invalid or unenforceable provision or
                by its
                severance here from; and (iv) in lieu of such illegal, invalid or
                unenforceable provision, there will be added automatically as a part
                of
                this Note a legal, valid and enforceable provision as similar in
                terms to
                such illegal, invalid or unenforceable provision as may be
                possible.

            

       

      
        
          
          

        

        
          2

          
            

          

        

        
          
          

        

      

       

      	8.  	
              Any
                notice, authorization, request or demand required or permitted to
                be given
                hereunder shall be in writing and shall be deemed to have been duly
                given
                two days after it is sent by an internationally recognized delivery
                service to the address of record of the Sellers or Maker, respectively.
                Any party may change its address for such communications by giving
                notice
                thereof to the other parties in conformity with this
                Section.

            

      

      	9.  	
              This
                Note shall be governed by and construed under the laws of the State
                of
                Georgia as applied to agreements entered into and to be performed
                entirely
                within such State. In any such litigation Maker waives personal service
                of
                any summons, complaint or other process and agrees that the service
                thereof may be made by certified or registered mail directed to the
                registered corporate office of Maker in the State of its incorporation.
                Maker hereby waives the right to interpose any setoff or non-compulsory
                counterclaim or cross-claim in connection with any such litigation,
                irrespective of the nature of such setoff, counterclaim or
                cross-claim.

            

      

      	10.  	
              MAKER
                HEREBY IRREVOCABLY SUBMITS TO THE JURISDICTION OF ANY STATE OR FEDERAL
                COURT SITTING IN THE STATE OF GEORGIA OVER ANY SUIT, ACTION OR PROCEEDING
                ARISING OUT OF OR RELATING TO THIS NOTE. MAKER HEREBY IRREVOCABLY
                WAIVES,
                TO THE FULLEST EXTENT PERMITTED BY LAW, ANY OBJECTION WHICH IT MAY
                NOW OR
                HEREAFTER HAVE TO THE LAYING OF THE VENUE OF ANY SUCH SUIT, ACTION
                OR
                PROCEEDING BROUGHT IN SUCH A COURT AND ANY CLAIM THAT ANY SUCH SUIT,
                ACTION OR PROCEEDING BROUGHT IN SUCH A COURT HAS BEEN BROUGHT IN
                AN
                INCONVENIENT FORUM. MAKER HEREBY AGREES THAT A FINAL JUDGMENT IN
                ANY SUCH
                SUIT, ACTION OR PROCEEDING BROUGHT IN SUCH A COURT, AFTER ALL APPROPRIATE
                APPEALS, SHALL BE CONCLUSIVE AND BINDING UPON
                IT.

            

      

      MAKER
        HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES (TO THE FULLEST EXTENT
        PERMITTED BY APPLICABLE LAW) ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN
        RESPECT
        OF ANY LITIGATION ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS NOTE OR
        THE
        TRANSACTIONS CONTEMPLATED HEREIN. FURTHER, MAKER HEREBY CERTIFIES THAT NO
        REPRESENTATIVE OR AGENT OF HOLDER OR ANY OTHER PERSON HAS REPRESENTED, EXPRESSLY
        OR OTHERWISE, THAT HOLDER WOULD NOT, IN THE EVENT OF SUCH LITIGATION, SEEK
        TO
        ENFORCE THIS WAIVER OF RIGHT TO JURY TRIAL PROVISION. MAKER ACKNOWLEDGES
        THAT
        HOLDER HAS BEEN INDUCED TO ACCEPT THIS NOTE BY, INTER ALIA, THE PROVISIONS
        OF
        THIS PARAGRAPH.

      

      	11.  	
              A
                default shall exist on this Note if any of the following occurs and
                is
                continuing: (i) failure to timely make any payment of Principal,
                interest
                or other sum when due; (ii) failure by Maker to perform or observe
                any
                other covenant or agreement of Maker contained in this Note; (iii)
                a
                custodian, receiver, liquidator or trustee of Maker, or any other
                person
                acting under actual or purported force of law takes ownership, possession
                or title to Maker’s property; (iv) any of the property of Maker is
                sequestered by court order; (v) a petition or other proceeding, voluntary
                or otherwise is filed by or against Maker under any bankruptcy,
                reorganization, arrangement, insolvency, readjustment of indebtedness,
                dissolution or liquidation law of any jurisdiction, whether now or
                hereafter in effect; (vi) Maker makes an assignment for the benefit
                of its
                creditors, or generally fails to pay its obligations as they become
                due,
                or consents to the appointment of or taking possession by a custodian,
                receiver, liquidator or trustee of Maker or all or any part of its
                property; or (vii) any default referred to in Paragraph 12 of this
                Note.
                Upon any such default, the Sellers may declare the Principal of the
                Note,
                plus accrued Interest, to be immediately due and payable, upon which
                such
                Principal and accrued Interest shall become due and payable immediately.
                Interest upon default shall thereafter accrue at the rate of 15%
                per
                annum, calculated based on a year of 360 days and actual days elapsed
                from
                the date of such default. 

            

       

      
        
          
          

        

        
          3

          
            

          

        

        
          
          

        

      

       

      	12.  	
              Any
                default upon the Purchase Note, the S Tax Reimbursement Note or the
                Shareholder Note (each, a “Transaction Note” and collectively, the
                “Notes”) issued pursuant to the Share Purchase and Exchange Agreement,
                shall constitute a default under the terms of each such Transaction
                Note
                individually and all such Notes collectively, except with respect
                to any
                Transaction Note which has been satisfied in full prior to the default
                of
                another Transaction Note.

            

       

      	13.  	
              Maker,
                any endorser, or guarantor hereof or in the future (individually
                an
                “Obligor” and collectively “Obligors”) and each of them jointly and
                severally: (a) waive presentment, demand, protest, notice of demand,
                notice of intent to accelerate, notice of acceleration of maturity,
                notice
                of protest, notice of nonpayment, notice of dishonor, and any other
                notice
                required to be given under the law to any Obligor in connection with
                the
                delivery, acceptance, performance, default or enforcement of this
                Note,
                any endorsement or guaranty of this Note, any pledge, security, guaranty
                or other documents executed in connection with this Note; (b) consent
                to
                all delays, extensions, renewals or other modifications of this Note,
                or
                waivers of any term hereof or thereof, or release or discharge by
                the
                Sellers of any of Obligors, or release, substitution or exchange
                of any
                security for the payment hereof, or the failure to act on the part
                of the
                Sellers or any indulgence shown by the Sellers (without notice to
                or
                further assent from any of Obligors), and agree that no such action,
                failure to act or failure to exercise any right or remedy by the
                Sellers
                shall in any way affect or impair the Obligations (as hereinafter
                defined)
                of any Obligors or be construed as a waiver by the Sellers of, or
                otherwise affect, any of the Sellers' rights under this Note, under
                any
                endorsement or guaranty of this Note; (c) if Maker fails to fulfill
                its
                obligations hereunder when due, agrees to pay, on demand, all costs
                and
                expenses of enforcement of collection of this Note or of any endorsement
                or guaranty hereof and/or the enforcement of the Sellers' rights
                with
                respect to, or the administration, supervision, preservation, protection
                of, or realization upon, any property securing payment hereof, including,
                without limitation, all attorney's fees, costs, expenses and
                disbursements, including, without further limitation, any and all
                fees
                related to any legal proceeding, suit, mediation arbitration, out
                of court
                payment agreement, trial, appeal, bankruptcy proceedings or any other
                actions of any nature whatsoever required on the part of the Sellers
                or
                the Sellers’ representatives to enforce this Note and the rights
                hereunder; and (d) waive the right to interpose any defense, set-off
                or counterclaim of any nature or description.

            

       

      
        
          
          

        

        
          4

          
            

          

        

        
          
          

        

      

       

      	14.  	
              Maker
                will not, by amendment of its Certificate of Incorporation or through
                any
                reorganization, recapitalization, transfer of assets, consolidation,
                merger, dissolution, issue or sale of securities or any other voluntary
                action, avoid or seek to avoid the observance or performance of any
                of the
                terms to be observed or performed hereunder by Maker, but will at
                all
                times in good faith assist in the carrying out of all the provisions
                of
                this Agreement and in the taking of all such action as may be necessary
                or
                appropriate in order to protect the rights of the Sellers against
                impairment. This Note shall be enforceable against all successors
                and
                assigns of Maker. Maker hereby covenants that all of its subsidiaries
                and
                affiliates shall jointly and severally perform this Agreement to
                the same
                and full extent on behalf of Maker if Maker is unable to
                perform.

            

      

      	15.  	
              This
                Note supersedes all prior discussions and agreements between the
                parties
                with respect to the subject matter hereof and thereof and contains
                the
                sole and entire agreement between the parties hereto with respect
                to the
                subject matter hereof.

            

      

      	16.  	
              If
                the Sellers lose this Note, Maker shall issue an identical replacement
                note to the Sellers upon the Sellers' delivery to Maker of a customary
                agreement to indemnify Maker reasonably satisfactory to Maker for
                any
                losses resulting from issuance of the replacement
                note.

            

      

      	17.  	
              The
                terms and conditions of this Note shall inure to the benefit of and
                be
                binding upon the respective successors and assigns of the parties.
                Nothing
                in this Note, express or implied, is intended to confer upon any
                party
                other than the parties hereto or their respective successors and
                assigns
                any rights, remedies, obligations, or liabilities under or by reason
                of
                this Note, except as expressly provided in this
                Note.

            

       

      
        
          
          

        

        
          5

          
            

          

        

        
          
          

        

      

      

      IN
        WITNESS WHEREOF, Maker has caused this Note to be dated, executed and issued
        on
        its behalf, by its duly appointed and authorized officer, as of the 4th day
        of
        October, 2006.

       

      
        	 	
                MAKER:

              
	 	 	 
	 	
                MANCHESTER,
                  INC.

              
	 
 	 
 	 
 
	
              	By:  	
                /s/
                  Richard D. Gaines 

              
	 	
                

                Name:
                  Richard
                  D. Gaines

              
	 	
                Title:  
                  Corporate
                  Secretary

              

      

       

      
        	 	 	 
	 	
                NICE
                  CARS ACCEPTANCE ACQUISITIONCO, INC.

              
	 
 	 
 	 
 
	
              	By:  	
                /s/
                  Richard D. Gaines 

              
	 	
                

                Name:
                  Richard
                  D. Gaines

              
	 	
                Title:  
                  Corporate
                  Secretary

              

      

       

      
        	 	 	 
	 	
                NICE
                  CARS OPERATIONS ACQUISITIONCO, INC.

              
	 
 	 
 	 
 
	
              	By:  	
                /s/
                  Richard D. Gaines 

              
	 	
                

                Name:
                  Richard
                  D. Gaines

              
	 	
                Title: 
                   Corporate
                  Secretary

              

      

      

      
        
          
          

        

        
          6THIS
      NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED.
      THIS
      NOTE MAY NOT BE SOLD, OFFERED FOR SALE, PLEDGED OR HYPOTHECATED IN THE ABSENCE
      OF AN EFFECTIVE REGISTRATION STATEMENT AS TO THE SECURITIES UNDER SAID ACT
      OR AN
      OPINION OF COUNSEL SATISFACTORY TO THE CORPORATION THAT SUCH REGISTRATION IS
      NOT
      REQUIRED.

     

    MANCHESTER,
      INC.

     

    SHAREHOLDER
      LOAN PROMISSORY NOTE

     

    
      	
              U.S.
                $627,542.77

            	
              October
                4, 2006

            

    

     

    
      	1.  	
              FOR
                VALUE RECEIVED, pursuant to that certain Share Purchase and Exchange
                Agreement, of even date hereof (the “Share Purchase and Exchange
                Agreement”), by and between Nice Cars Acceptance AcquisitionCo, Inc., a
                Delaware corporation (the "Company"), Manchester Inc., a Nevada
                corporation (“Manchester”), Nice Cars Capital Acceptance Corporation, a
                Georgia corporation (“NCCAC”), and the Shareholders of NCCAC, Ray Lyle and
                Victoria Lyle (the “Sellers”), the Company, Nice Cars Operations
                AcquisitionCo, Inc. and Manchester (collectively herein referred
                to as
                "Maker") jointly and severally hereby promise to pay to the order
                of the
                Sellers, on such dates as set forth in Section 2 below, at such place
                and
                in such manner as the Sellers may specify in writing, the principal
                amount
                of six
                hundred twenty seven thousand five hundred forty-two dollars and
                seventy-seven cents ($627,542.77)
                (the "Principal"). Maker shall pay interest on the outstanding principal
                of this note (this “Note”) at the annual rate of ten percent (10%) per
                annum, calculated based on a year of 360 days and actual days elapsed
                (the
                “Interest”). All capitalized terms not otherwise defined herein shall have
                the meaning set forth in the Share Purchase and Exchange
                Agreement.

            

    

     

    
      	2.  	
              All
                outstanding Principal, together with all accrued and unpaid Interest
                and
                all other sums due hereunder or in connection herewith shall be paid
                in
                full on November __, 2006 (the "Due
                Date").

            

    

     

    
      	3.  	
              The
                failure at any time of the Sellers to exercise any of its options
                or any
                other rights hereunder shall not constitute a waiver thereof, nor
                shall it
                be a bar to the exercise of any of its options or rights at a later
                date.
                All rights and remedies of the Sellers shall be cumulative and may
                be
                pursued singly, successively or together, at the option of the Sellers.
                The acceptance by the Sellers of any partial payment shall not constitute
                a waiver of any default or of any of the Sellers' rights under this
                Note.
                No waiver of any of its rights hereunder, and no modification or
                amendment
                of this Note, shall be deemed to be made by the Sellers unless the
                same
                shall be in writing, duly signed on behalf of the Sellers; and each
                such
                waiver shall apply only with respect to the specific instance involved,
                and shall in no way impair the rights of the Sellers in any other
                respect
                at any other time.

            

    

    
      
        
        

      

      
        
        

        
          

        

      

       

    

     

    
      	4.  	
              Any
                term or condition of this Note may be waived at any time by the party
                that
                is entitled to the benefit thereof, but no such waiver shall be effective
                unless set forth in a written instrument duly executed by or on behalf
                of
                the party waiving such term or
                condition.

            

    

    

    
      	5.  	
              Maker
                represents and warrants that this Note is the valid and binding obligation
                of Maker, fully enforceable in accordance with its terms. The execution
                and delivery by Maker of this Note, the performance by Maker of its
                obligations hereunder and the consummation of the transactions
                contemplated hereby and thereby does not and will not: (a) conflict
                with
                or result in a violation or breach of any of the terms, conditions
                or
                provisions of Maker’s charter instruments; (b) conflict with or result in
                a violation or breach of any term or provision of any law or order
                applicable to Maker or any of its assets and properties; or (c) (i)
                conflict with or result in a violation or breach of, or (ii) result
                in or
                give to any person any rights or create any additional or increased
                liability of Maker under, or (iii) create or impose any lien upon
                Maker or
                any of its assets and properties under, any contract or permit to
                which
                Maker is a party or by which its assets and properties are bound.
                

            

    

    

    
      	6.  	
              If
                any provision of this Note is held to be illegal, invalid or unenforceable
                under any present or future Law, and if the rights or obligations
                of any
                party hereto under this Note will not be materially and adversely
                affected
                thereby, (i) such provision will be fully severable; (ii) this Note
                will
                be construed and enforced as if such illegal, invalid or unenforceable
                provision had never comprised a part hereof; (iii) the remaining
                provisions of this Note will remain in full force and effect and
                will not
                be affected by the illegal, invalid or unenforceable provision or
                by its
                severance here from; and (iv) in lieu of such illegal, invalid or
                unenforceable provision, there will be added automatically as a part
                of
                this Note a legal, valid and enforceable provision as similar in
                terms to
                such illegal, invalid or unenforceable provision as may be
                possible.

            

    

    

    
      	7.  	
              Any
                notice, authorization, request or demand required or permitted to
                be given
                hereunder shall be in writing and shall be deemed to have been duly
                given
                two days after it is sent by an internationally recognized delivery
                service to the address of record of the Sellers or Maker, respectively.
                Any party may change its address for such communications by giving
                notice
                thereof to the other parties in conformity with this
                Section.

            

    

    

    
      	8.  	
              This
                Note shall be governed by and construed under the laws of the State
                of
                Georgia as applied to agreements entered into and to be performed
                entirely
                within such State. In any such litigation Maker waives personal service
                of
                any summons, complaint or other process and agrees that the service
                thereof may be made by certified or registered mail directed to the
                registered corporate office of Maker in the State of its incorporation.
                Maker hereby waives the right to interpose any setoff or non-compulsory
                counterclaim or cross-claim in connection with any such litigation,
                irrespective of the nature of such setoff, counterclaim or
                cross-claim.

            

    

    

    
      	9.  	
              MAKER
                HEREBY IRREVOCABLY SUBMITS TO THE JURISDICTION OF ANY STATE OR FEDERAL
                COURT SITTING IN THE STATE OF GEORGIA OVER ANY SUIT, ACTION OR PROCEEDING
                ARISING OUT OF OR RELATING TO THIS NOTE. MAKER HEREBY IRREVOCABLY
                WAIVES,
                TO THE FULLEST EXTENT PERMITTED BY LAW, ANY OBJECTION WHICH IT MAY
                NOW OR
                HEREAFTER HAVE TO THE LAYING OF THE VENUE OF ANY SUCH SUIT, ACTION
                OR
                PROCEEDING BROUGHT IN SUCH A COURT AND ANY CLAIM THAT ANY SUCH SUIT,
                ACTION OR PROCEEDING BROUGHT IN SUCH A COURT HAS BEEN BROUGHT IN
                AN
                INCONVENIENT FORUM. MAKER HEREBY AGREES THAT A FINAL JUDGMENT IN
                ANY SUCH
                SUIT, ACTION OR PROCEEDING BROUGHT IN SUCH A COURT, AFTER ALL APPROPRIATE
                APPEALS, SHALL BE CONCLUSIVE AND BINDING UPON
                IT.

            

    

    
      
        
        

      

      
        2

        
          

        

      

       

    

    

    MAKER
      HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES (TO THE FULLEST EXTENT
      PERMITTED BY APPLICABLE LAW) ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT
      OF ANY LITIGATION ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS NOTE OR
      THE
      TRANSACTIONS CONTEMPLATED HEREIN. FURTHER, MAKER HEREBY CERTIFIES THAT NO
      REPRESENTATIVE OR AGENT OF HOLDER OR ANY OTHER PERSON HAS REPRESENTED, EXPRESSLY
      OR OTHERWISE, THAT HOLDER WOULD NOT, IN THE EVENT OF SUCH LITIGATION, SEEK
      TO
      ENFORCE THIS WAIVER OF RIGHT TO JURY TRIAL PROVISION. MAKER ACKNOWLEDGES THAT
      HOLDER HAS BEEN INDUCED TO ACCEPT THIS NOTE BY, INTER ALIA, THE PROVISIONS
      OF
      THIS PARAGRAPH.

    

    
      	10.  	
              A
                default shall exist on this Note if any of the following occurs and
                is
                continuing: (i) failure to timely make any payment of Principal,
                interest
                or other sum when due; (ii) failure by Maker to perform or observe
                any
                other covenant or agreement of Maker contained in this Note; (iii)
                a
                custodian, receiver, liquidator or trustee of Maker, or any other
                person
                acting under actual or purported force of law takes ownership, possession
                or title to Maker’s property; (iv) any of the property of Maker is
                sequestered by court order; (v) a petition or other proceeding, voluntary
                or otherwise is filed by or against Maker under any bankruptcy,
                reorganization, arrangement, insolvency, readjustment of indebtedness,
                dissolution or liquidation law of any jurisdiction, whether now or
                hereafter in effect; (vi) Maker makes an assignment for the benefit
                of its
                creditors, or generally fails to pay its obligations as they become
                due,
                or consents to the appointment of or taking possession by a custodian,
                receiver, liquidator or trustee of Maker or all or any part of its
                property; or (vii) any default referred to in Paragraph 11 of this
                Note.
                Upon any such default, the Sellers may declare the Principal of the
                Note,
                plus accrued Interest, to be immediately due and payable, upon which
                such
                Principal and accrued Interest shall become due and payable immediately.
                Interest upon default shall thereafter accrue at the rate of 15%
                per
                annum, calculated based on a year of 360 days and actual days elapsed
                from
                the date of such default. 

            

    

     

    
      	11.  	
              Any
                default upon the Purchase Note, the S Tax Reimbursement Note or the
                Shareholder Note (each, a “Transaction Note” and collectively, the
                “Notes”) issued pursuant to the Share Purchase and Exchange Agreement,
                shall constitute a default under the terms of each such Transaction
                Note
                individually and all such Notes collectively, except with respect
                to any
                Transaction Note which has been satisfied in full prior to the default
                of
                another Transaction Note.

            

    

     

    
      
        
        

      

      
        3

        
          

        

      

       

    

     

    
      	12.  	
              Maker,
                any endorser, or guarantor hereof or in the future (individually
                an
                "Obligor" and collectively "Obligors") and each of them jointly and
                severally: (a) waive presentment, demand, protest, notice of demand,
                notice of intent to accelerate, notice of acceleration of maturity,
                notice
                of protest, notice of nonpayment, notice of dishonor, and any other
                notice
                required to be given under the law to any Obligor in connection with
                the
                delivery, acceptance, performance, default or enforcement of this
                Note,
                any endorsement or guaranty of this Note, any pledge, security, guaranty
                or other documents executed in connection with this Note; (b) consent
                to
                all delays, extensions, renewals or other modifications of this Note,
                or
                waivers of any term hereof or thereof, or release or discharge by
                the
                Sellers of any of Obligors, or release, substitution or exchange
                of any
                security for the payment hereof, or the failure to act on the part
                of the
                Sellers or any indulgence shown by the Sellers (without notice to
                or
                further assent from any of Obligors), and agree that no such action,
                failure to act or failure to exercise any right or remedy by the
                Sellers
                shall in any way affect or impair the Obligations (as hereinafter
                defined)
                of any Obligors or be construed as a waiver by the Sellers of, or
                otherwise affect, any of the Sellers' rights under this Note, under
                any
                endorsement or guaranty of this Note; (c) if Maker fails to fulfill
                its
                obligations hereunder when due, agrees to pay, on demand, all costs
                and
                expenses of enforcement of collection of this Note or of any endorsement
                or guaranty hereof and/or the enforcement of the Sellers' rights
                with
                respect to, or the administration, supervision, preservation, protection
                of, or realization upon, any property securing payment hereof, including,
                without limitation, all attorney's fees, costs, expenses and
                disbursements, including, without further limitation, any and all
                fees
                related to any legal proceeding, suit, mediation arbitration, out
                of court
                payment agreement, trial, appeal, bankruptcy proceedings or any other
                actions of any nature whatsoever required on the part of the Sellers
                or
                the Sellers’ representatives to enforce this Note and the rights
                hereunder; and (d) waive the right to interpose any defense, set-off
                or counterclaim of any nature or description.

            

    

    

    
      	13.  	
              Maker
                will not, by amendment of its Certificate of Incorporation or through
                any
                reorganization, recapitalization, transfer of assets, consolidation,
                merger, dissolution, issue or sale of securities or any other voluntary
                action, avoid or seek to avoid the observance or performance of any
                of the
                terms to be observed or performed hereunder by Maker, but will at
                all
                times in good faith assist in the carrying out of all the provisions
                of
                this Agreement and in the taking of all such action as may be necessary
                or
                appropriate in order to protect the rights of the Sellers against
                impairment. This Note shall be enforceable against all successors
                and
                assigns of Maker. Maker hereby covenants that all of its subsidiaries
                and
                affiliates shall jointly and severally perform this Agreement to
                the same
                and full extent on behalf of Maker if Maker is unable to
                perform.

            

    

    

    
      	14.  	
              This
                Note supersedes all prior discussions and agreements between the
                parties
                with respect to the subject matter hereof and thereof and contains
                the
                sole and entire agreement between the parties hereto with respect
                to the
                subject matter hereof.

            

    

    

    
      	15.  	
              If
                the Sellers lose this Note, Maker shall issue an identical replacement
                note to the Sellers upon the Sellers' delivery to Maker of a customary
                agreement to indemnify Maker reasonably satisfactory to Maker for
                any
                losses resulting from issuance of the replacement
                note.

            

    

    
      
        
        

      

      
        4

        
          

        

      

       

    

    

    
      	16.  	
              The
                terms and conditions of this Note shall inure to the benefit of and
                be
                binding upon the respective successors and assigns of the parties.
                Nothing
                in this Note, express or implied, is intended to confer upon any
                party
                other than the parties hereto or their respective successors and
                assigns
                any rights, remedies, obligations, or liabilities under or by reason
                of
                this Note, except as expressly provided in this
                Note.

            

    

    
      
        
        

      

      
        5

        
          

        

      

       

    

    

    IN
      WITNESS WHEREOF, Maker has caused this Note to be dated, executed and issued
      on
      its behalf, by its duly appointed and authorized officer, as of the 4th day
      of
      October, 2006.

    
      	 	 	 
	 	
              MAKER:

               

              MANCHESTER, INC.

            
	 
 	 
 	 
 
	
            	By:  	/s/
              Richard D. Gaines 
	 	
              
                

              

              Name: Richard
                D. Gaines

              Title:  Corporate
                Secretary

            

      	 	 	 
	 	 	 
	 	
              
                NICE
                  CARS ACCEPTANCE ACQUISITIONCO, INC.

              

            
	 
 	 
 	 
 
	
            	By:  	/s/
              Richard D. Gaines 
	 	
              
                

              

              Name: Richard
                D. Gaines

              Title:  Corporate
                Secretary

            

      	 	 	 
	 	 	 
	 	
              
                NICE
                  CARS OPERATIONS ACQUISITIONCO, INC.

              

            
	 
 	 
 	 
 
	
            	By:  	/s/
              Richard D. Gaines 
	 	
              
                

              

              Name: Richard
                D. Gaines

              Title:  Corporate
                Secretary

            

      
        
          
          

        

        
          6

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