Document:

EXHIBIT 10.3

                            SERVICING TERM AGREEMENT

                         (UACSC 1999 MASTER OWNER TRUST)

     SERVICING   TERM   AGREEMENT  (as  the  same  may  be  amended,   restated,
supplemented or modified from time to time, the "Servicing Term  Agreement",  or
this  "Agreement"),  dated as of September 6, 2002 by and among UNION ACCEPTANCE
CORPORATION,  as servicer (the  "Servicer"),  WACHOVIA TRUST  COMPANY,  NATIONAL
ASSOCIATION formerly First Union Trust Company,  National Association,  as owner
trustee (the "Owner Trustee"), BNY MIDWEST TRUST COMPANY, as successor to Harris
Trust and Savings Bank, as indenture  trustee (the  "Indenture  Trustee"),  MBIA
INSURANCE  CORPORATION,  as  financial  guaranty  insurer  (the  "Insurer")  and
CANADIAN  IMPERIAL  BANK  OF  COMMERCE,   as  the   administrative   agent  (the
"Administrative Agent").

     WHEREAS, UAC Securitization Corporation, the Servicer and the Owner Trustee
are parties to the Trust and Servicing  Agreement  dated as of July 23, 1999 (as
the same may be amended, restated,  supplemented or otherwise modified from time
to time, the "Servicing Agreement");

     WHEREAS,  in  consideration  of  good  and  valuable   consideration,   the
sufficiency of which is hereby acknowledged,  the parties hereto mutually desire
to enter into the Servicing Term Agreement as hereinafter set forth.

     NOW, THEREFORE, the parties hereby agree as follows:

     SECTION  1.  Defined  Terms.  As used  in this  Agreement,  and  except  as
otherwise  provided  in this  Section 1,  capitalized  terms shall have the same
meanings assigned thereto in the Servicing Agreement.

          (a) As used  herein,  "Back-up  Servicing  Agreement"  shall  have the
     following definition:

               "Back-up  Servicing   Agreement"  shall  mean  the  agreement  or
          agreements  pursuant  to which an  entity  acceptable  to the  Insurer
          agrees to perform back-up servicing  functions as provided therein and
          to act as  successor  Servicer  under the  Servicing  Agreement  if so
          required.

     SECTION 2.  Servicing  Term.  Pursuant  to Section  13.05 of the  Servicing
Agreement,  the parties hereby consent and agree that the initial term of UAC as
Servicer shall terminate at 11:59 p.m. on September 6, 2002; provided,  however,
UAC shall act as successor  Servicer for a second term  commencing at 12:00 a.m.
on  September  7, 2002 and  terminating  at 11:59 a.m.  on October 31, 2002 (the
"Servicing  Term"),  unless such term is extended for an additional  60-day term
(such term, an "Extended Servicing Term") by a written notification  executed by
the Insurer and sent to UAC (with a copy to the Indenture  Trustee) prior to the
expiration of such Servicing Term. Any Extended  Servicing Term may be similarly
extended prior to its  expiration.  The Insurer will give the Indenture  Trustee
ten (10) days  prior  written  notice  of its  determination  not to extend  the
Servicing  Term or an Extended  Servicing  Term, in the event that the Indenture
Trustee  is to  become  the  successor  Servicer.  Upon  the  expiration  of the
Servicing  Term or any subsequent  Extended  Serving Term without  renewal,  all
rights  and  obligations  of UAC as  successor  Servicer  under the  Transaction
Documents  shall  terminate  and all  authority  and  power of UAC as  successor
Servicer shall pass to and be vested in the back-up servicer designated pursuant
to the Back-up  Servicing  Agreement or such other entity as shall be designated
by the Insurer.  UAC shall, on or before September 11, 2002 and on the date that
is three (3) Business Days from the end of each  Collection  Period,  deliver to
the Insurer a tape containing the master record of the Receivables as of the end
of the previous  Collection  Period in such form as the Insurer shall reasonably
require.  UAC  hereby  agrees to  cooperate  with the  Insurer  and the  back-up
servicer  designated  pursuant  to the  Back-up  Servicing  Agreement  or  other
successor  Servicer in  effectuating  the  complete  transfer of the  servicing,
administration and collection functions from UAC to the back-up servicer or such
other successor  Servicer in accordance with the Transaction  Documents and this
Agreement.

     SECTION 3.  Effectiveness.  This Agreement shall become effective as of the
date first written above when  counterparts  of this  Agreement  shall have been
accepted and agreed to by each of the parties hereto.

     SECTION 4. Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED
IN  ACCORDANCE  WITH  THE LAWS OF THE  STATE  OF NEW  YORK,  WITHOUT  REGARD  TO
CONFLICTS OF LAW PRINCIPLES WHICH MAY REQUIRE THE APPLICATION OF THE LAWS OF ANY
OTHER JURISDICTION.

     SECTION 5.  Severability;  Counterparts.  This Agreement may be executed in
any  number  of  counterparts  and  by  different  parties  hereto  in  separate
counterparts,  each of which when so executed  shall be deemed to be an original
and all of  which  when  taken  together  shall  constitute  one  and  the  same
instrument.   Any  provisions  of  this   Agreement   which  are  prohibited  or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective
to the extent of such prohibition or unenforceability  without  invalidating the
remaining provisions hereof, and any such prohibition or unenforceability in any
jurisdiction shall not invalidate or render  unenforceable such provision in any
other jurisdiction.

<PAGE>

     IN WITNESS  WHEREOF,  the parties  hereto have executed and delivered  this
Agreement as of the date first written above.

                               UNION ACCEPTANCE CORPORATION

                               By: _______________________________
                                   Name:
                                   Title:

                               WACHOVIA TRUST COMPANY,
                               NATIONAL ASSOCIATION, formerly First
                               Union Trust Company, National Association,
                               not in its individual capacity but solely on
                               behalf of the Issuer as Owner Trustee under
                               the Servicing Agreement

                               By: _______________________________
                                   Name:
                                   Title:

                               BNY MIDWEST TRUST COMPANY,
                               not in its individual capacity but solely
                               as Indenture Trustee

                               By: _______________________________
                                   Name:
                                   Title:

                               CANADIAN IMPERIAL BANK OF
                               COMMERCE

                               By: _______________________________
                                   Name:
                                   Title:

                               By: _______________________________
                                   Name:
                                   Title:

                               MBIA INSURANCE CORPORATION

                               By: _______________________________
                                   Name:
                                   Title:Exhibit 10.33

                   Agriculture Bank of China and Beijing Jiade
                     Tengtu Scientific and Technology Group

                COOPERATION AGREEMENT BETWEEN BANK AND ENTERPRISE

Party A:  Agriculture Bank of China

Party B:  Beijing Jiade Tengtu Scientific and Technology Group

In order to establish a good cooperation relationship between Bank and
Enterprise, promote the mutual development of both Party's long term
cooperation, taking their advantages in each field, developing K-12 education
computer market for "schools connect schools" project, support the
popularization and development of the IT education for K-12 schools industry of
our country, both Party has reached the following agreement on "schools connect
schools" (majority of computer software products ) loan and guarantee service
through friendly negotiation, and according to relevant laws and regulations and
relevant business regulations of Agricultural Bank of China of the People's
Republic of China. It acts in accordance with it together as a means of both
Parties.

                     Chapter One Definition and Explanation

Article 1: Buyer means purchaser of the products. It refers in particular to the
schools or the independent legal person under the educational administration
that is bought the education computer relevant products of Party B in this
agreement.

Article 2: Educational computer "schools connect schools" loan and guarantee
service. It refers in particular to the loan service that Party A provides the
loan to purchase education computer relevant products for buyer according to the
contract signed between Party B and buyer. Party B will assure the loan.

                 Chapter Two Cooperation Principle of Both Sides

Article 3: The both Party should in line with honest and trustworthy, principle
of mutual reciprocity and mutual benefit, friendly negotiation and solves the
problem may occur in cooperating process.

Article 4: Party A would like to regard Party B as important customer, and
appoint the relevant provincial branches of Agricultural Bank of China to be
Party B business leading business bank, offering educational computer "schools
connect schools" loan and guaranteed service in relevant law and range that
policy allow.

Article 5: Party B will open the RMB account and foreign currency account with
Party A and instructing its subsidiaries, J-V companies etc. relevant Companies
to open the bank account with Party A in the market situation allow, and to
establish the close business relations of respect of accounting service both at
RMB and foreign currency.

<PAGE>

      Chapter Three Cooperation on the Education Computer "Schools Connect
                       Schools" Loan and Guarantee Service

Article 6: Party B can recommend the buyers who demand Party A financing
service. In case of according with national relevant laws and credits policy of
agricultural bank, Party A takes its bank network advantage and instructs each
branch authority to offer loan to the customers, which are qualified with
Agricultural Bank loan terms, total under 150 million RMB education computer
"school connect school" guaranteed loan credit line, lead by the bank
headquarter. The Party B assures the loan. Also Party B must deposit the 95%
above receivable money which loan by Agricultural Bank credit line, to their
Agricultural Bank account.

Article 7: The buyers that are recommended by Party B, put forward application
for the loan to Party A. Party A determines independently whether issue the
loan, grant the loan amount, time term, and interest rate, etc. according to the
regulation of national laws and regulations and relevant credit policy. In
general cases, each correlated with "loan contract" educational computer
software amount of money of guaranteed loan can't exceed 80% of "purchase and
sell contract" cost, maximum payback term limits to three years. To the
redemption of the loan and interest, it carries out according to relevant
financial regulation and Party A's credit management system of the People's
Republic of China.

Article 8: Party B provides the guarantee for education computer "schools
connect schools" loan that Party A grant, and bearing correspondent
responsibility. Party B also promises to keep minimum 10% of the amount of the
loan as assuring the earnest money in Party A.

Article 9: For guarantee the grant loan for its specified purpose, protect the
mutual benefit, both Party should response for and supervise loan can only be
used on buying products from Party B, and guarantee that the payment for goods
is remitted to Party B's bank account in Party A.

           Chapter Four Cooperation on Management of Financing Closing

Article 10: Party A provides domestic and international financing closing
service for Party B, including take the place of the services, such as guest's
financing, business consultation, etc.

Article 11: Party B promises to open domestic, international business primary
account is Party A, close and handle it with deposit business through Party A,
and deposit majority saving to Party A.

                     Chapter Five The Agreement Takes Effect

Article 12: This agreement is instructive document for both Party cooperation on
the education computer "schools connect schools" loan and guarantee service.

Article 13: This agreement takes effect after both Party authorized
representative or its authorized agent sign and stamp an official seal. The
dispute caused by signing, taking effect, explaining, revising, termination
should be resolved through consultation in a friendly way by both Party. Ones
that cannot resolve through consultation, arbitrate or the lawsuit is solved.

                                      -2-
<PAGE>

Article 14: This agreement one four of type, each Party holds two, have equal
legal effect. The unaccomplished matter of the agreement, is consulted by both
Party, can sign amendment agreement.

Party A: (stamp)                              Party B:  (stamp)

Legal Representative                          Legal Representative
or authorized agent: (signature)              or authorized agent:  (signature)

                                      -3-
<PAGE>

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