Document:

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                                                                   Exhibit 10.11

            PACIFIC CONTINENTAL CORPORATION/PACIFIC CONTINENTAL BANK

                                CHANGE IN CONTROL

                          SALARY CONTINUATION AGREEMENT

THIS CHANGE IN CONTROL/SALARY CONTINUATION AGREEMENT (this "Agreement") is
entered into as of this 17th day of August, 2005, by and between PACIFIC
CONTINENTAL CORPORATION, an Oregon corporation (the "COMPANY"), its wholly owned
subsidiary PACIFIC CONTINENTAL BANK, an Oregon state-chartered bank (the
"BANK"), and __________________ ("EXECUTIVE"). This Agreement will be effective
as of the Effective Date determined pursuant to the Plan and Agreement of Merger
dated as of the date hereof among the Company, the Bank, NWB Financial
Corporation and Northwest Business Bank (the "Merger Agreement"). If the MERGER
AGREEMENT is terminated for any reason, this Agreement will be null and void and
of no effect.

The Company, the Bank and Executive agree as follows:

1.       DEFINITIONS.

         1.1      Cause. "CAUSE" means any one or more of the following:

                  a.       Removal or discharge of Executive pursuant to order
                           of any federal banking authority;

                  b.       Executive perpetrates fraud, dishonesty, or other act
                           of misconduct in the rendering of services to the
                           Company or the Bank or to customers of the Company or
                           the Bank, or if Executive engages in conduct which,
                           in the opinion of the Board of Directors, materially
                           interferes with the performance of Executive's duties
                           or harms the reputation of the Company or the Bank by
                           reason of the adverse reaction of the community to
                           such conduct;

                  c.       Executive conceals from, or knowingly fails to
                           disclose to, any federal banking regulatory authority
                           or the Board of Directors any material matters
                           affecting the viability of the Company or the Bank;
                           or

                  d.       Executive fails (or refuses) to faithfully or
                           diligently perform any of the usual and customary
                           duties of his employment and either fails to remedy
                           the lapse or formulate a plan for its correction with
                           the Company or the Bank (if such failure is not
                           susceptible to immediate correction) within thirty
                           (30) days after notice to Executive explaining in
                           detail the allegations and recommended correction.

         Notwithstanding the foregoing, Executive shall not be terminated
         without:

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                  a.       Ten days written notice setting forth Company's
                           intention to terminate for Cause;

                  b.       An opportunity for Executive to rebut termination for
                           Cause within five business days after receiving
                           notice; and

                  c.       A final finding, in good faith, by the Board of
                           Directors that Cause existed.

         1.2      Change in Control. "CHANGE IN CONTROL" means a change "in the
                  ownership or effective control" or "in the ownership of a
                  substantial portion of the assets" of the Company or the Bank,
                  within the meaning of Section 280G of the Internal Revenue
                  Code of 1986, as amended; provided however, that an internal
                  reorganization of the Company or the Bank shall not constitute
                  a Change in Control.

         1.3      Disability. "DISABILITY" means a physical or mental impairment
                  that renders Executive incapable of substantially performing
                  the usual and customary duties of his employment for a period
                  of 90 consecutive days, unless with reasonable accommodation
                  Executive could continue to perform such duties, and making
                  these accommodations would not pose an undue hardship on the
                  Company or the Bank. Disability shall be determined by the
                  definition and procedure set forth in the Company disability
                  insurance plan.

         1.4      Employment Agreement. "EMPLOYMENT AGREEMENT" has the meaning
                  assigned in Section 4 of this Agreement.

         1.5      Good Reason. "GOOD REASON" means only any one or more of the
                  following:

                  a.       Reduction of Executive's Post Change in Control
                           Salary or elimination of any significant compensation
                           or benefit plan benefiting Executive, unless the
                           reduction or elimination is generally applicable to
                           substantially all similarly situated employees (or
                           similarly situated employees of a successor or
                           controlling entity of the Company or the Bank)
                           formerly benefited;

                  b.       The Post Change in Control assignment to Executive
                           without his consent of any authority or duties
                           materially inconsistent with Executive's position as
                           of the date of the Change of Control; or

                  c.       A relocation or transfer of Executive's principal
                           place of employment that would require Executive to
                           commute on a regular basis more than 30 miles each
                           way from his present place of employment.

         1.6      Parachute Payment Amount. "Parachute Payment Amount" has the
                  meaning assigned in Section 4 of this Agreement.

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         1.7      Post Change in Control Salary. For purposes of Section 3 of
                  this Agreement, "POST CHANGE IN CONTROL SALARY" means, for the
                  Salary Continuation Period, the base compensation and
                  bonus(es) that Executive would have been entitled to if
                  his/her employment had not been terminated. For purposes of
                  determining the bonus(es) that Executive would have been
                  entitled to, it will be assumed that Executive would have
                  earned the maximum bonus amount payable pursuant to the
                  Company and/or Bank's bonus plan(s) in existence at the time
                  of the Change in Control.

         1.8      Salary Continuation Payment. "SALARY CONTINUATION PAYMENT" has
                  the meaning assigned in Section 3 of this Agreement.

         1.9      Salary Continuation Period. "SALARY CONTINUATION PERIOD" has
                  the meaning assigned in Section 3 of this Agreement.

         1.10     Termination Event After Change in Control. A "TERMINATION
                  EVENT AFTER CHANGE IN CONTROL" shall be deemed to occur upon,
                  and only upon, any one or more of the following:

                  a.       Termination of Executive's employment by Executive
                           for Good Reason within the Salary Continuation
                           Period;

                  b.       Termination of Executive's employment by the Bank
                           and/or the Company other than for Cause or
                           Disability, or death within the Salary Continuation
                           Period; or

                  c.       Termination of Executive's employment or of this
                           Agreement by the Bank and/or the Company other than
                           for Cause, Disability or death prior to a Change in
                           Control if such termination occurs within twelve (12)
                           months before the execution of a definitive agreement
                           providing for a Change in Control.

         1.11     Trade Secret. "TRADE SECRET" means information, including a
                  drawing, cost data, customer list, formula, pattern,
                  compilation, program, device, method, technique or process
                  that:

                  a.       Derives independent economic value, actual or
                           potential, from not being generally known to the
                           public or to other persons who can obtain economic
                           value from its disclosure or use; and

                  b.       Is the subject of efforts that are reasonable under
                           the circumstances to maintain its secrecy.

2.       COMMITMENT OF EXECUTIVE. In the event that any person extends any
         proposal or offer that is intended to or may result in a Change in
         Control, Executive shall, at the Company's or the Bank's request,
         assist the Company and/or the Bank in evaluating such proposal or
         offer. Further, subject to the additional terms and conditions of this

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         Agreement, in order to receive the Salary Continuation Payment,
         Executive cannot resign from the Company or the Bank during any period
         from the receipt of a specific Change in Control proposal up to the
         consummation or abandonment of the transaction contemplated by such
         proposal.

3.       SALARY CONTINUATION PAYMENT.

         3.1      Payment Events. Except as otherwise provided in this Section,
                  in the case of a Termination Event After a Change in Control,
                  Executive shall receive a salary continuation payment (the
                  "SALARY CONTINUATION PAYMENT"), payable in a lump sum on the
                  later of the date of termination or the date of the Change in
                  Control.

         3.2      Amount of Payment. The Salary Continuation Payment shall be an
                  amount equal to the Executive's Post Change in Control Salary,
                  for the balance of the Salary Continuation Period. The "SALARY
                  CONTINUATION PERIOD" shall be the period beginning on the
                  Change of Control and continuing thereafter for TWELVE (12)
                  MONTHS.

         3.3      Adjustment of Salary Continuation Payment. Notwithstanding the
                  foregoing, if Executive's Good Reason for terminating his or
                  her employment is a reduction of Post Change in Control
                  Salary, then the Salary Continuation Payment shall be
                  calculated based on Executive's Post Change in Control Salary
                  in effect prior to such reduction.

4.       LIMITATIONS ON PAYMENT AMOUNTS.

         4.1      Payment under Employment Agreement. The Salary Continuation
                  Payment, if any, shall be reduced by the amount of any payment
                  received by Executive pursuant to the Employment Agreement
                  dated of as the date hereof among the Company, the Bank and
                  the Executive (the "EMPLOYMENT AGREEMENT"). If payments
                  received by Executive pursuant to the Employment Agreement
                  exceed the amount of the Salary Continuation Payment, neither
                  the Company nor the Bank will have any payment obligations to
                  Executive pursuant to the terms of this Agreement.

         4.2      Parachute Payment Limitation. Notwithstanding anything in this
                  Agreement to the contrary, if the total of the Salary
                  Continuation Payment, together with any other payments or
                  benefits received from the Company or the Bank, will be an
                  amount that would cause them to be a "parachute payment"
                  within the meaning of Section 280G(b)(2)(A) of the Internal
                  Revenue Code of 1986, as amended (the "PARACHUTE PAYMENT
                  AMOUNT"), then the Salary Continuation Payment shall be
                  reduced so that the total amount thereof is $1 less than the
                  Parachute Payment Amount.

5.       NONSOLICITATION. If the Executive receives a Salary Continuation
         Payment, then during the Salary Continuation Period, Executive will
         not, directly or indirectly, persuade or

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         entice, or attempt to persuade or entice, (i) any employee of the Bank
         or the Company to terminate his/her employment with the Bank or the
         Company, or (ii) any person or entity to terminate, cancel, rescind or
         revoke its business or contractual relationships with the Bank or the
         Company.

6.       CONFIDENTIALITY Executive will not, after the date this Agreement is
         signed, including during and after its term, use for his own purposes
         or disclose to any other person or entity any Trade Secret of the Bank
         or the Company.

7.       ENFORCEMENT.

         7.1      Executive, the Bank and the Company stipulate that, in light
                  of all of the facts and circumstances of the relationship
                  between Executive and the Bank/Company, the agreements
                  referred to in Sections 5 and 6 (including without limitation
                  their scope) are fair and reasonably necessary for the
                  protection of the Bank's/Company's goodwill and other
                  protectable interests. If a court of competent jurisdiction
                  should decline to enforce any of those covenants and
                  agreements, Executive and the Bank/Company request the court
                  to reform these provisions to the maximum extent that the
                  court finds enforceable.

         7.2      Executive acknowledges that the Bank/Company will suffer
                  immediate and irreparable harm that will not be compensable by
                  damages alone, if Executive repudiates or breaches any of the
                  provisions of Sections 5 or 6 or threatens or attempts to do
                  so. For this reason, under these circumstances, the
                  Bank/Company, in addition to and without limitation of any
                  other rights, remedies or damages available to them at law or
                  in equity, will be entitled to obtain temporary, preliminary,
                  and permanent injunctions in order to prevent or restrain the
                  breach, and the Bank/Company will not be required to post a
                  bond as a condition for the granting of this relief.

8.       ARBITRATION. Except for as set forth in Section 7 of this Agreement, at
         either the Company's, the Bank's or Executive's request, the parties
         must submit any dispute, controversy or claim arising out of or in
         connection with, or relating to, this Agreement or any breach or
         alleged breach of this Agreement, to arbitration under the American
         Arbitration Association's rules then in effect (or under any other form
         of arbitration mutually acceptable to the parties). A single arbitrator
         agreed on by the parties will conduct the arbitration. If the parties
         cannot agree on a single arbitrator, each party must select one
         arbitrator and those two arbitrators will select a third arbitrator.
         This third arbitrator will hear the dispute. The arbitrator's decision
         is final (except as otherwise specifically provided by law) and binds
         the parties, and any party may request any court having jurisdiction to
         enter a judgment and to enforce the arbitrator's decision. The
         arbitrator will provide the parties with a written decision naming the
         substantially prevailing party in the action. This prevailing party is
         entitled to reimbursement from the other parties for its costs and
         expenses, including reasonable attorneys' fees. All proceedings will be
         held at a place designated by the arbitrator in Lane County, Oregon.
         The arbitrator, in rendering a decision as to any state law claims,
         will apply Oregon law.

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9.       WITHHOLDING. All payments required to be made by the Company or the
         Bank hereunder to Executive shall be subject to the withholding of such
         amounts, if any, relating to tax and other payroll deductions as the
         Company or the Bank may reasonably determine should be withheld
         pursuant to any applicable law or regulation.

10.      OTHER COMPENSATION AND TERMS OF EMPLOYMENT. This Agreement is not an
         employment agreement. Accordingly, except with respect to the Salary
         Continuation Payment, this Agreement shall have no effect on the
         determination of any compensation payable by the Company or the Bank to
         Executive, or upon any of the other terms of Executive's employment
         with the Company or the Bank. The specific arrangements referred to
         herein are not intended to exclude any other benefits which may be
         available to Executive upon a termination of employment with the
         Company or the Bank pursuant to employee benefit plans of the Company
         or the Bank or otherwise.

11.      MISCELLANEOUS PROVISIONS.

         11.1     Entire Agreement. This Agreement constitutes the entire
                  understanding and agreement between the parties concerning its
                  subject matter and supersedes all prior agreements,
                  correspondence, representations, or understandings between the
                  parties relating to its subject matter. Notwithstanding the
                  preceding sentence, the terms of this Agreement are separate
                  from and do not supercede the terms of the Employment
                  Agreement (except as set forth in Section 4.1 of this
                  Agreement)

         11.2     Binding Effect. This Agreement will be binding and enforceable
                  against, and will inure to the benefit of, the heirs, legal
                  representatives, successors and assigns of the Company, the
                  Bank, and Executive.

         11.3     Waiver. Any waiver by a party of its rights under this
                  Agreement must be written and signed by the party waiving its
                  rights. A party's waiver of the other party's breach of any
                  provision of this Agreement will not operate as a waiver of
                  any other breach by the breaching party.

         11.4     Amendment. This Agreement may be modified only through a
                  written instrument signed by both parties.

         11.5     Severability. The provisions of this Agreement are severable.
                  The invalidity of any provision will not affect the validity
                  of other provisions of this Agreement.

         11.6     Counsel Review. Executive acknowledges that he has had the
                  opportunity to consult with independent counsel with respect
                  to the negotiation, preparation, and execution of this
                  Agreement.

         11.7     Governing Law and Venue. This Agreement will be governed by
                  and construed in accordance with Oregon law, except to the
                  extent that federal law may govern certain matters. The
                  parties must bring any legal proceeding arising out of this
                  Agreement in Lane County, Oregon.

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         11.8     Counterparts. This Agreement may be executed in one or more
                  counterparts, each of which will be deemed an original, but
                  all of which taken together will constitute one and the same
                  document.

         11.9     Assignability. The Company and/or the Bank may assign this
                  Agreement and its rights hereunder in whole, but not in part,
                  to any corporation, bank or other entity with or into which
                  the Company and/or the Bank may hereafter merge or consolidate
                  or to which the Company and/or the Bank may transfer all or
                  substantially all of its assets, if in any such case said
                  corporation, bank or other entity shall by operation of law or
                  expressly in writing assume all obligations of the Company
                  and/or the Bank hereunder as fully as if it had been
                  originally made a party hereto, but may not otherwise assign
                  this Agreement or its rights hereunder. Executive may not
                  assign or transfer this Agreement or any rights or obligations
                  hereunder.

         11.10    Revocability. Subject to the provisions of Sections 1.10(c)
                  and 3.1 of this Agreement, this Agreement may be terminated
                  unilaterally by a majority vote of the board of directors of
                  the Company and/or the Bank.

                      [SIGNATURES APPEAR ON FOLLOWING PAGE]

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         This Change in Control/Salary Continuation Agreement is effective as of
the date first set forth above.

                                  PACIFIC CONTINENTAL CORPORATION

                                  By
                                     ------------------------------------------

                                  Its
                                      -----------------------------------------

                                  PACIFIC CONTINENTAL BANK

                                  By
                                     ------------------------------------------

                                  Its
                                      -----------------------------------------

                                  EXECUTIVE:

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

                                       8<PAGE>

                                                                   EXHIBIT 10.10

                         HFI LOAN AND SECURITY AGREEMENT

                                     BETWEEN

                           TRIAD FINANCIAL CORPORATION

                                       AND

                            FORD MOTOR CREDIT COMPANY

                              DATED: APRIL 29, 2005

<PAGE>

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                                     PAGE
                                                                                     ----
<S>                                                                                  <C>
1. GENERAL DEFINITIONS..........................................................

   1.1      "Account Debtor"....................................................
   1.2      "Affiliate".........................................................
   1.3      "Ancillary Agreements"..............................................
   1.4      "Borrowing Base Certificate"........................................
   1.5      "Business Day"......................................................
   1.6      "Charges"...........................................................       2
   1.7      "Closing Date" .....................................................       2
   1.8      "Code"..............................................................       2
   1.9      "Collateral"........................................................       2
   1.10     "Default"...........................................................       2
   1.11     "Depository Bank"...................................................       2
   1.12     "Event of Default"..................................................       2
   1.13     "GAAP"..............................................................       2
   1.14     "HFI Accounts"......................................................       2
   1.15     "HFI Receivables"...................................................       2
   1.16     "HFI Receivables Balance"...........................................       3
   1.17     "Liabilities".......................................................       3
   1.18     "Loan"..............................................................       3
   1.19     "Note"..............................................................       3
   1.20     "Person"............................................................       3
   1.21     "Security Documents"................................................       3
   1.22     "Stock".............................................................       3
   1.23     "Subsidiary"........................................................       3
   1.24     Accounting Terms....................................................       3
   1.25     Other Terms.........................................................       4

2. LOAN: GENERAL TERMS..........................................................       4

   2.1      Facility............................................................       4
   2.2      Advances to Constitute One Loan.....................................       4
   2.3      Interest Rate.......................................................       4
   2.4      Prepayment..........................................................       5

3. PAYMENTS.....................................................................       5

   3.1      Borrower's Loan Account.............................................       5
   3.2      Payment Terms.......................................................       5
   3.3      Collection of Accounts and Payments.................................       6
   3.4      Application of Payments and Collections.............................       6
   3.5      Statements..........................................................       7
</TABLE>

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<TABLE>
<CAPTION>
                                                                                     PAGE
                                                                                     ----
<S>                                                                                  <C>
4. COLLATERAL: SECURITY INTEREST; GENERAL.......................................       7

   4.1      Security Interest...................................................       7
   4.2      Disclosure of Security..............................................       7
   4.3      Financing Statements................................................       8
   4.4      Inspection..........................................................       8
   4.5      Location of Collateral..............................................       8
   4.6      Borrowing Base Certificates: Information............................       8

5. COVENANTS AND CONTINUING AGREEMENTS..........................................       9

   5.1      [No Title]..........................................................       9
   5.2      [No Title]..........................................................       9
   5.3      [No Title]..........................................................       9
   5.4      [No Title]..........................................................       9
   5.5      [No Title]..........................................................      10
   5.6      [No Title]..........................................................      11
   5.7      Negative Covenants..................................................      11
   5.8      Payment of Charges..................................................      12

6. DEFAULT; RIGHTS AND REMEDIES ON DEFAULT......................................      12

   6.1      Default.............................................................      12
   6.2      Acceleration of the Liabilities.....................................      13
   6.3      Remedies............................................................      13
   6.4      Notice..............................................................      15

7. MISCELLANEOUS................................................................      15

   7.1      Appointment of Lender as Borrower's Lawful Attorney.................      15
   7.2      Modification of Agreement; Sale of Interest.........................      16
   7.3      Attorneys' Fees and Expenses; Lender's Out of Pocket Expenses.......      16
   7.4      No Waiver by Lender.................................................      17
   7.5      Severability........................................................      17
   7.6      Parties; Entire Agreement...........................................      17
   7.7      Conflict of Terms...................................................      18
   7.8      Waivers by Borrower.................................................      18
   7.9      Governing Law.......................................................      18
   7.10     FORUM; SERVICE OF PROCESS...........................................      18
   7.11     Notice..............................................................      18
   7.12     Delegation of Duties and Grant of Authority.........................      19
   7.13     Section Titles......................................................      20
</TABLE>

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<PAGE>

                                LIST OF EXHIBITS

Exhibit A: Collateral Locations

<PAGE>

                         HFI LOAN AND SECURITY AGREEMENT

            THIS HFI LOAN AND SECURITY AGREEMENT (this "Agreement") is made as
of the 29th day of April 2005 by and between Ford Motor Credit Company, a
corporation duly organized and existing under the laws of the State of Delaware
("Lender") and Triad Financial Corporation, a corporation duly organized and
existing under the laws of the State of California ("Borrower").

                                   WITNESSETH:

            WHEREAS, Lender has entered into that certain Stock Purchase
Agreement dated as of December 23, 2004 (the "Stock Purchase Agreement"), with
Triad Acquisition Corp., a corporation duly organized and existing under the
laws of the State of Delaware ("Purchaser"), and the other parties thereto,
pursuant to which Lender has sold all of the issued and outstanding capital
stock of Borrower to Purchaser;

            WHEREAS, pursuant to the Stock Purchase Agreement, Lender has agreed
to offer certain financing to Borrower;

            WHEREAS, Borrower desires to borrow funds from Lender, and Lender is
willing to make a certain loan to Borrower upon the terms and conditions set
forth herein;

            NOW, THEREFORE, in consideration of the terms and conditions
contained herein, and of the Loan (as defined herein), the parties hereto hereby
agree as follows:

1. GENERAL DEFINITIONS

      When used herein, the following terms shall have the following meanings:

      1.1   "ACCOUNT DEBTOR" means any Person who is or who may become obligated
            to Borrower under, with respect to, or on account of an HFI Account.

      1.2   "AFFILIATE" means any Person (i) which directly or indirectly owns
            more than 10% of the common stock or other equity interest of
            Borrower or which is entitled to receive 10% or more of Borrower's
            income; or (ii) which has more than 10% of its common stock or other
            equity interests owned, directly or indirectly, by Borrower, any
            Affiliate of Borrower as defined under part (i) hereof, or any of
            Borrower's directors or officers; or (iii) which is a Subsidiary.

      1.3   "ANCILLARY AGREEMENTS" means the Security Documents and the Note.

      1.4   "BORROWING BASE CERTIFICATE" means a report to be delivered to
            Lender by Borrower pursuant to Section 4.6 of this Agreement.

      1.5   "BUSINESS DAY" means any day other than a Saturday, Sunday or other
            day on which commercial banks in Detroit, Michigan are authorized or
            required to close under the laws of the State of Michigan or the
            laws of the United States.

<PAGE>

      1.6   "CHARGES" means all national, federal, state, county, city,
            municipal, and/or other governmental (including, without limitation,
            the Pension Benefit Guaranty Corporation) taxes, levies,
            assessments, charges, liens, claims or encumbrances upon and/or
            relating to (i) the Collateral, (ii) the Liabilities, (iii)
            Borrower's employees, payroll, income and/or gross receipts, (iv)
            Borrower's ownership and/or use of any of its assets, or (v) any
            other aspect of Borrower's business.

      1.7   "CLOSING DATE" shall have the meaning assigned to such term in the
            Stock Purchase Agreement.

      1.8   "CODE" means the Uniform Commercial Code of the State of Michigan,
            as the same may be amended from time to time.

      1.9   "COLLATERAL" means all of the property and interests in property
            described in Section 4.1 of this Agreement and all other property
            and interests in property which shall, from time to time, secure the
            Liabilities.

      1.10  "DEFAULT" means the occurrence or existence of any one or more of
            the events described in Section 6.1 of this Agreement.

      1.11  "DEPOSITORY BANK" has the meaning set forth in Section 3.3 of the
            Agreement.

      1.12  "EVENT OF DEFAULT" means any event or condition which, upon
            occurrence or with the passage of time, or upon the giving of
            notice, or both, would constitute a Default.

      1.13  "GAAP" means generally accepted accounting principles as in effect
            in the United States from time to time.

      1.14  "HFI ACCOUNTS" means the accounts, contract rights, instruments,
            notes, drafts, documents, chattel paper, payment intangibles and
            other obligations or indebtedness owed to Borrower under or in
            connection with the HFI Receivables; all rights of Borrower to
            receive any payments in money or kind in respect of the foregoing;
            all guaranties of the foregoing and security therefor; all letters
            of credit, guarantee claims, security interests or other security
            held by or granted to Borrower to secure payment by an Account
            Debtor; all of the right, title, and interest of Borrower in and
            with respect to the goods, services, or other property that gave
            rise to or that secure any of the foregoing and insurance policies
            and proceeds relating thereto; and all rights of Borrower with
            respect to such goods and services, including, but not limited to,
            the rights of stoppage in transit, replevin, reclamation, and
            resale; and all proceeds of the foregoing, whether now owned or
            existing or hereafter created or acquired.

      1.15  "HFI RECEIVABLES" shall have the meaning set forth for such term in
            the Stock Purchase Agreement.

                                      -2-
<PAGE>

      1.16  "HFI RECEIVABLES BALANCE" shall have the meaning set forth for such
            term in the Stock Purchase Agreement.

      1.17  "LIABILITIES" means all of Borrower's liabilities, obligations and
            indebtedness to Lender arising under this Agreement or under any of
            the Ancillary Agreements, whether primary, secondary, direct,
            indirect, absolute, contingent, fixed, or otherwise, (including,
            without limitation, interest, charges, expenses, attorneys' fees and
            other sums chargeable to Borrower by Lender, future advances made to
            or for the benefit of Borrower and obligations of performance),
            whether heretofore, now or hereafter owing, arising, due, or payable
            from Borrower to Lender hereunder or thereunder.

      1.18  "LOAN" means the loan being made by Lender to Borrower described in
            Section 2.2 of this Agreement.

      1.19  "NOTE" means the promissory note made by Borrower to the Lender in
            the form of Exhibit B to the Stock Purchase Agreement and evidencing
            the Loan.

      1.20  "PERSON" means any individual, sole proprietorship, partnership,
            joint venture, trust, unincorporated organization, association,
            corporation, institution, entity, party, or government (whether
            national, federal, state, county, city, municipal or otherwise,
            including, without limitation, any instrumentality, division,
            agency, body or department thereof).

      1.21  "SECURITY DOCUMENTS" means this Agreement and all other agreements,
            instruments, documents, financing statements, warehouse receipts,
            bills of lading, notices of assignment of accounts, schedules of
            accounts assigned, mortgages and other written matter necessary or
            requested by Lender to perfect and maintain perfected Lender's
            security interest in the Collateral.

      1.22  "STOCK" means all shares, options, interests, participations or
            other equivalents (however designated) of or in a corporation,
            whether voting or non-voting, including, without limitation, common
            stock, warrants, preferred stock, convertible debentures and all
            agreements, instruments and documents convertible, in whole or in
            part, into any one or all of the foregoing.

      1.23  "SUBSIDIARY" means any corporation of which more than 50% of the
            outstanding shares of Stock which have voting power sufficient to
            elect a majority of the board of directors of such corporation
            (irrespective of whether or not at the time Stock of any other class
            or classes shall have or might have voting power by reason of the
            happening of any contingency) is at the time directly or indirectly
            owned by the Borrower, by the Borrower and one or more other
            Subsidiaries, or by one or more other Subsidiaries.

      1.24  ACCOUNTING TERMS. Any accounting terms used in this Agreement which
            are not specifically defined shall have the meanings customarily
            given them in accordance with GAAP.

                                      -3-
<PAGE>

      1.25  OTHER TERMS. All other terms contained in this Agreement which are
            not otherwise defined in Section 1 or in any other section of this
            Agreement shall, unless the context indicates otherwise, have the
            meanings provided for by the Code to the extent the same are used or
            defined therein. Wherever the term "including" appears in this
            Agreement, such term shall be construed to mean "including, without
            limitation," it being the express intention of the parties hereto
            that any rule of limitation applicable to any listing of items in a
            contract is hereby rejected.

2. LOAN: GENERAL TERMS

      2.1   FACILITY. On the date hereof, Lender will loan Borrower an amount
            equal to eighty-seven percent (87%) of the "HFI Receivables Balance"
            (as defined in the Stock Purchase Agreement) (such amount, the
            "Initial Loan Amount"). The Loan shall be repayable as provided in
            Sections 3.2 and 3.4 of this Agreement, and shall be evidenced by
            the Note.

      2.2   ADVANCES TO CONSTITUTE ONE LOAN. All loans and advances by Lender to
            Borrower under this Agreement and the Ancillary Agreements shall
            constitute one loan (the "Loan"), and all indebtedness and
            obligations of Borrower to Lender under this Agreement and the
            Ancillary Agreements shall constitute one general obligation secured
            by the Collateral.

      2.3   INTEREST RATE. Borrower shall pay Lender interest on the outstanding
            principal balance of the Liabilities at a rate equal to six percent
            (6%) per annum. All interest shall be computed on the basis of a
            year of 360 days and actual days elapsed, and shall be payable as
            provided in Section 3.2 of this Agreement. Upon the occurrence and
            during the continuance of a Default, Borrower shall pay Lender
            interest on the outstanding principal balance of the Liabilities at
            a rate equal to nine percent (9%) per annum. In no contingency or
            event whatsoever shall the rate of interest paid by Borrower under
            this Agreement or any of the Ancillary Agreements exceed the maximum
            amount permissible under any law which a court of competent
            jurisdiction shall, in a final determination and following
            exhaustion of all appeals, deem applicable hereto. In the event that
            such a court determines that Lender has received interest hereunder
            in excess of the maximum rate permitted by any such law, (i) Lender
            shall apply the excess amount of interest paid by Borrower to any
            unpaid principal owed by Borrower to Lender or, if the amount of
            such excess exceeds the unpaid balance of such principal, Lender
            shall promptly refund such excess interest to Borrower, and (ii) the
            provisions hereof shall be deemed amended to provide for such
            permissible rate. All sums paid, or agreed to be paid, by Borrower
            which are, or hereafter may be construed to be, compensation for the
            use, forbearance or detention of money shall, to the extent
            permitted by applicable law, be amortized, prorated, spread and
            allocated throughout the full term of all such indebtedness until
            the indebtedness is paid in full.

                                      -4-
<PAGE>

      2.4   PREPAYMENT. Borrower may prepay the outstanding principal amount of
            the Loan in whole or in part and all accrued but unpaid interest
            thereon up to an including the date of such prepayment on any
            Payment Date (as defined below) without penalty or premium. If a
            Change of Control (as defined in the Stock Purchase Agreement) shall
            occur, Borrower shall prepay the entire principal amount of the
            Loan, without penalty or premium, and all accrued but unpaid
            interest thereon up to and including the Change of Control Date (as
            defined in the Stock Purchase Agreement), plus all other amounts
            payable hereunder or under any of the Ancillary Agreements, on such
            Change of Control Date.

3. PAYMENTS

      3.1   BORROWER'S LOAN ACCOUNT. Lender shall maintain a loan account ("Loan
            Account") on its books in which shall be recorded (i) all loans and
            advances made by Lender to Borrower pursuant to this Agreement, (ii)
            all payments made by Borrower on all such loans and advances and
            (iii) all other appropriate debits and credits as provided in this
            Agreement, including, without limitation, all fees, charges,
            expenses and interest.

      3.2   PAYMENT TERMS. All of the Liabilities shall be payable to Lender at
            the address set forth in Section 7.11 of this Agreement. Except as
            otherwise provided in this Agreement in the case of acceleration of
            the Liabilities or mandatory prepayment:

               (a)   The initial payment on the Loan shall be due on the tenth
                     (10th) day of the second month after the month in which the
                     Closing Date occurs, or if such day is not a Business Day,
                     the first Business Day thereafter (the "Initial Payment
                     Date") and shall include payment of principal and payment
                     of interest. The amount of the initial payment of principal
                     shall be equal to the difference between (A) the Initial
                     Loan Amount minus (B) the product of (i) eighty-seven
                     percent (87%) and (ii) the outstanding principal balance of
                     the HFI Receivables as at the last day of the month
                     immediately preceding the Initial Payment Date, as shown on
                     the books and records of the Borrower, excluding reserves.
                     The amount of the initial interest payment shall be equal
                     to (C) the Initial Loan Amount, multiplied by (D) the
                     applicable interest rate, multiplied by (E) the number of
                     days from and including the Closing Date up to and
                     excluding the Initial Payment Date, divided by 360.

               (b)   Payments on the Loan after the Initial Payment Date shall
                     be due on the tenth (10th) day of each month, or if such
                     day is not a Business Day, the first Business Day
                     thereafter (each such date, a "Payment Date") and shall
                     include payment of principal, if any, and payment of
                     interest. The amount of the payment of principal, if any,
                     shall be equal to the difference (if such difference is a
                     positive number)

                                      -5-
<PAGE>

                     between (A) the outstanding principal amount of the Loan
                     immediately prior to the applicable Payment Date minus (B)
                     the product of (i) eighty-seven percent (87%) and (ii) the
                     outstanding principal balance of the HFI Receivables as of
                     the last day of the month immediately preceding such
                     Payment Date, as shown on the books and records of the
                     Borrower, excluding reserves; provided that if the
                     principal amount of the Loan outstanding immediately prior
                     to a Payment Date is less than Fifteen Million Dollars
                     ($15,000,000), the amount of the payment of principal due
                     upon such Payment Date shall be equal to the amount of the
                     Loan outstanding as of such period. The amount of the
                     payment of interest shall be equal to the (X) the amount of
                     the Loan outstanding immediately after the preceding
                     month's Payment Date, multiplied by (Y) the applicable
                     interest rate, multiplied by (Z) the number of days from
                     and including the immediately preceding Payment Date up to
                     and excluding the current Payment Date, divided by 360.
                     Fees, costs, expenses and similar charges provided for
                     hereunder shall be payable on demand. All payments shall be
                     made by wire in immediately available funds by 10:00 AM,
                     Eastern time, on the applicable Payment Date. Payments
                     received after 10:00 AM shall be deemed to be received on
                     the following Business Day. Wire transfers should be sent
                     to Lender's account no. 1000052280 at Comerica Bank,
                     Detroit, Michigan, ABA No. 072000096, Reference: Triad, as
                     such account may be changed from time to time pursuant to
                     provision of notice to Triad in accordance with Section
                     7.11 hereof.

      3.3   COLLECTION OF ACCOUNTS AND PAYMENTS. So long as any Default exists
            and is continuing: Borrower shall establish a cash collateral
            account in the Borrower's name with a depository bank reasonably
            acceptable to Lender (the "Depository Bank") pursuant to an
            agreement reasonably satisfactory to Lender, to which Borrower will
            immediately deposit all remittances on HFI Accounts in the identical
            form in which such payment was made, whether by cash or check. So
            long as no Default or Event of Default exists and is continuing
            thereafter, any remaining balance in such cash collateral account
            shall be transferred promptly to Borrower or as Borrower shall
            designate.

      3.4   APPLICATION OF PAYMENTS AND COLLECTIONS. Borrower irrevocably waives
            the right to direct the application of payments and collections
            received by Lender from or on behalf of Borrower during the
            continuance of a Default, and Borrower agrees that Lender shall have
            the continuing, exclusive right to apply and reapply any and all
            payments and collections against the Liabilities in such manner as
            Lender may reasonably deem appropriate during the continuance of a
            Default, notwithstanding any term or provision hereof or any entry
            by Lender upon any of its books and records. To the extent that
            Borrower makes a payment or payments to Lender or Lender receives
            any payment or proceeds of the Collateral for Borrower's benefit,
            which

                                      -6-
<PAGE>

            payment(s) or proceeds or any part thereof are subsequently
            invalidated, declared to be fraudulent or preferential, set aside
            and/or required to be repaid to a trustee, receiver, custodian or
            any other party under any bankruptcy act, state or federal law,
            common law or equitable cause, then, to the extent of such payment
            or proceeds received, the Liabilities or part thereof intended to be
            satisfied shall be revived and shall continue in full force and
            effect, as if such payments or proceeds had not been received by
            Lender.

      3.5   STATEMENTS. Until such time as Lender shall have rendered to
            Borrower written statements of account as provided in this Section
            3.5, the balance in Borrower's Loan Account, as set forth on
            Lender's books, shall be rebuttably presumptive evidence of the
            amounts due and owing to Lender by Borrower. Lender may render to
            Borrower a statement setting forth the balance of Borrower's Loan
            Account, including principal, interest, expenses and fees. Each such
            statement shall be subject to subsequent adjustment by Lender and
            Lender's right to reapply payments in accordance with Section 3.4 of
            this Agreement but shall, absent manifest errors or omissions, be
            presumed correct and conclusively binding upon Borrower and shall
            constitute an account stated unless, within thirty (30) days after
            receipt of any statement from Lender, Borrower shall deliver to
            Lender written objection thereto specifying the error or errors, if
            any, contained in such statement.

4. COLLATERAL: SECURITY INTEREST; GENERAL

      4.1   SECURITY INTEREST. To secure the prompt payment to Lender of the
            Liabilities, Borrower does hereby grant to Lender a continuing
            security interest in and to the following property of Borrower
            whether now existing or hereafter acquired, wherever now or
            hereafter located:

         4.1.1 All HFI Accounts;

         4.1.2 All ledger sheets, files, books and records, documents, and
               instruments (including, but not limited to computer programs,
               tapes, and related electronic data processing software)
               evidencing an interest in or related to the above;

         4.1.3 All of Borrower's deposit accounts (general or special) in which
               collections on HFI Accounts are deposited, but only to the extent
               of such deposited collections; and

         4.1.4 All cash or non cash proceeds of any of the foregoing, including
               insurance proceeds and any accession or addition to, and
               replacements and products of, any of the foregoing.

      4.2   DISCLOSURE OF SECURITY. Borrower shall make appropriate entries upon
            its financial statements and books and records disclosing Lender's
            security interest in the Collateral.

                                      -7-
<PAGE>

      4.3   FINANCING STATEMENTS. At Lender's request, Borrower shall execute
            and/or deliver to Lender, at any time or times hereafter, all
            Security Documents that Lender may reasonably request, in form and
            substance reasonably acceptable to Lender. Borrower hereby
            authorizes the Lender to prepare and file one or more financing
            statements as necessary or appropriate to perfect the Lender's
            security interests in the Collateral. Upon the occurrence of a
            Default, Borrower hereby irrevocably makes, constitutes and appoints
            Lender (and all Persons designated by Lender for that purpose) as
            Borrower's true and lawful attorney (and agent in fact) to sign the
            name of Borrower on any of the Security Documents and to deliver any
            of the Security Documents to such Persons as Lender, in its sole
            discretion, may elect.

      4.4   INSPECTION. Lender (by any of its officers, employees and/or agents)
            shall have the right to inspect the Collateral, all records related
            thereto (and to make extracts from such records) and the premises
            upon which any of the Collateral is located and to verify the
            amount, quality, quantity, value and condition of, or any other
            matter relating to, the Collateral, all upon reasonable notice and
            at such reasonable times during normal business hours and as often
            as may reasonably be requested.

      4.5   LOCATION OF COLLATERAL. Borrower's chief executive office, principal
            place of business and all other offices and locations of the
            Collateral (other than items in process of collection after deposit
            in the Depository Bank) and books and records related thereto
            (including, without limitation, computer programs, printouts and
            other computer materials and records concerning the Collateral) are
            set forth on EXHIBIT A attached hereto and made a part hereof.
            Borrower shall not remove its books and records or the Collateral
            from any such locations and shall not open any new offices in any
            new state or county or relocate any of its books and records or the
            Collateral in any new state or county except that such removal,
            opening or relocation may be made to a place within the Continental
            United States of America with at least thirty (30) days' prior
            written notice thereof to Lender.

      4.6   BORROWING BASE CERTIFICATES: INFORMATION. Borrower shall keep
            accurate and complete records of its HFI Accounts and Borrower shall
            deliver to Lender a Borrowing Base Certificate setting forth the
            calculations pursuant to Section 3 hereof, signed by an officer of
            Borrower and delivered to Lender on or before the payment date in
            the applicable monthly period. Borrower shall also deliver to
            Lender, promptly following demand, such other information relating
            to the status of then-existing HFI Accounts as Lender shall
            reasonably request.

                                      -8-
<PAGE>

5. COVENANTS AND CONTINUING AGREEMENTS

         Borrower covenants that it will:

      5.1   As soon as available, but not later than twenty-five (25) days after
            the end of each month, furnish the Lender a detailed aging of all
            HFI Accounts;

      5.2   At its sole cost and expense, use commercially reasonable efforts to
            keep and maintain insurance against loss or damage by fire, theft,
            explosion, sprinklers and all other hazards and risks ordinarily
            insured against by others in similar businesses (provided that the
            foregoing shall in no event require Borrower to procure or maintain
            any insurance in excess of that presently maintained by Borrower).

      5.3   Promptly upon Borrower's learning thereof, inform Lender, in
            writing, of (i) any material delay in Borrower's performance of any
            of its obligations to any Account Debtor and of any written
            assertion of any claims, offsets, defenses or counterclaims by any
            Account Debtor and of any allowances or credits granted (including
            all credits issued for returned or repossessed inventory) and/or
            other monies advanced by Borrower to any Account Debtor, in each
            case, only as would be reasonably expected to have a materially
            adverse effect on the ability of Borrower to pay principal and
            interest on the Loan and (ii) all adverse written information
            relating to the financial or other condition of any Account Debtor,
            in each case, only as would be reasonably expected to have a
            materially adverse effect on the ability of Borrower to pay
            principal and interest on the Loan;

      5.4   Keep books of account and prepare financial statements and furnish
            to Lender the following (all of the foregoing and following to be
            kept and prepared in accordance with GAAP):

               (a)   as soon as available, and in any event within ninety (90)
                     days after the end of each fiscal year of the Borrower, a
                     copy of the annual audited financial statements reported on
                     by independent certified public accountants selected by the
                     Borrower and reasonably acceptable to Lender, which annual
                     financial statements shall include the balance sheet of the
                     Borrower as at the end of such fiscal year and the related
                     statements of income, retained earnings and cash flows of
                     the Borrower for the fiscal year then ended, all in
                     reasonable detail and all prepared in accordance with GAAP
                     and a certificate of the chief financial officer of the
                     Borrower stating that such financial statements have been
                     prepared in accordance with GAAP and whether or not he has
                     knowledge of the occurrence of any Event of Default or
                     Default hereunder and, if so, stating in reasonable detail
                     the facts with respect thereto;

                                      -9-
<PAGE>

               (b)   as soon as available and in any event within forty-five
                     (45) days after the end of each fiscal quarter other than
                     the last fiscal quarter of Borrower's fiscal year, an
                     income statement and balance sheet of the Borrower for such
                     quarterly period and for the year to date, in reasonable
                     detail and stating in comparative form the figures for the
                     corresponding date and period in the previous year
                     (provided that no information need be provided with respect
                     to periods ending on or prior to December 31, 2004), and
                     reflecting all adjustments necessary to fairly present the
                     results of operations for such periods and certified by the
                     chief financial officer of the Borrower and accompanied by
                     a certificate of said officer stating (i) that such
                     financial statements have been prepared on a consistent
                     basis and reflect all adjustments (other than normal
                     year-end and audit adjustments) necessary to fairly present
                     the results of operations for such periods, and (ii)
                     whether or not he has knowledge of the occurrence of any
                     Default or Event of Default hereunder and, if so, stating
                     in reasonable detail the facts with respect thereto;

               (c)   as promptly as practicable and in any event not later than
                     five business days after an officer of the Borrower obtains
                     knowledge of the occurrence of any event which constitutes
                     a Default or Event of Default, notice of such occurrence,
                     together with a detailed statement by a responsible officer
                     of the Borrower of the steps being taken by the Borrower to
                     cure the effect of such event; and

               (d)   such other data and information (financial and other) as
                     Lender, from time to time, may reasonably request, bearing
                     upon or related to the Collateral, Borrower's and/or any
                     Subsidiary's financial condition and/or results of
                     operations, including, but not limited to, an aged trial
                     balance of all of Borrower's HFI Accounts existing as of
                     the date of the most recent Borrowing Base Certificate as
                     of the date of the request.

      5.5   Manage, service, administer, and make collections on the HFI
            Accounts with reasonable care and diligence, in accordance with
            applicable laws, rules and regulations, and in accordance with the
            Borrower's existing practices and procedures or such new practices
            and procedures as are not materially less prudent than those
            presently utilized by Borrower. The Borrower shall take such steps
            in the ordinary course of business consistent with past practice as
            are reasonably necessary to maintain perfection of the security
            interest created to secure each HFI Account and the related financed
            vehicle, including without limitation, taking such steps as are
            reasonably necessary to maintain the Borrower as the noted lien
            holder on each certificate of title relating to each such financed
            vehicle in all states where such notation is a means of perfection.
            The Borrower shall use reasonable efforts, in accordance with its
            existing collection practices and guidelines and prudent servicing
            procedures

                                      -10-
<PAGE>

            to repossess or otherwise convert the ownership of a finance vehicle
            securing any HFI account as to which the Borrower shall have
            determined eventual payment in full is unlikely in accordance with
            its customary policies and practices; and

      5.6   Use commercially reasonable efforts to comply in all material
            respects with all applicable laws, rules, regulations, and orders
            unless contested in good faith and by appropriate proceedings, and,
            if required by GAAP, with respect to which a reserve adequate under
            GAAP has been established.

      5.7   NEGATIVE COVENANTS. Borrower covenants that it will not:

         5.7.1 Declare or pay dividends or make distributions upon any of
               Borrower's Stock, or make any loans, advances and/or extensions
               of credit to any Affiliate (other than reasonable advances of
               money to its employees in payment of reasonable expenses incurred
               by such employees in the ordinary course of business), either (i)
               where such dividends, distributions, loans, advances and/or
               extensions of credit would reasonably be expected to materially
               and adversely affect the repayment of the Liabilities or (ii)
               when a Default has occurred and is continuing;

         5.7.2 Redeem, retire, purchase or otherwise acquire, directly or
               indirectly, any of Borrower's Stock, or make any material change
               in Borrower's capital structure, either (i) where such action
               would reasonably be expected to materially and adversely affect
               the repayment of the Liabilities or (ii) when a Default has
               occurred and is continuing;

         5.7.3 Enter into, or be a party to, any transaction with any Affiliate
               or stockholder of Borrower, except upon fair and reasonable terms
               which are no less favorable to Borrower than would obtain in a
               comparable arm's length transaction with a Person not an
               Affiliate or stockholder of Borrower, either (i) where any such
               transaction would reasonably be expected to materially and
               adversely affect the repayment of the Liabilities or (ii) when a
               Default has occurred and is continuing;

         5.7.4 Enter into any transaction which materially and adversely affects
               the Collateral or Borrower's ability to repay the Liabilities;

         5.7.5 Pledge, mortgage, grant a security interest in, encumber, assign,
               sell, lease or otherwise dispose of or transfer, whether by sale,
               merger, consolidation, liquidation, dissolution, or otherwise,
               any of the Collateral;

         5.7.6 Change its name, legal structure or identity (including by means
               of merger, consolidation or conversion) or add any new fictitious
               name without first providing Lender with ten (10) Business Days'
               prior written notice of such action; and

                                      -11-
<PAGE>

         5.7.7 Change or relocate its chief executive office or principal place
               of business without first providing Lender with ten (10) Business
               Days' prior written notice of such action.

      5.8   PAYMENT OF CHARGES. Borrower shall pay promptly when due all of the
            Charges; provided that no such Charge need be paid if it is being
            contested in good faith by appropriate proceedings for which an
            adequate reserve (in the reasonable discretion of Borrower), if
            required by GAAP, has been established.

6. DEFAULT; RIGHTS AND REMEDIES ON DEFAULT

      6.1   DEFAULT. The occurrence of any one or more of the following events
            shall constitute a Default:

         6.1.1 Borrower fails to pay any of the Liabilities when due and payable
               and such default continues for a period of ten (10) Business
               Days, or Borrower is in payment default on, or a default giving
               rise to the accelerated repayment of, the applicable indebtedness
               contemplated by Section 5.06 of the Stock Purchase Agreement or
               any replacement facility;

         6.1.2 Borrower materially breaches any other term, provision, condition
               or covenant contained in this Agreement or in the Ancillary
               Agreements, which is required to be performed, kept or observed
               by Borrower and the same is not cured to Lender's reasonable
               satisfaction within ten (10) Business Days after Lender gives
               Borrower written notice identifying such default; or

         6.1.3 A default shall occur and be continuing after the expiration of
               all applicable cure periods under any document, instrument or
               agreement evidencing or relating to any indebtedness contemplated
               by Section 5.06 of the Stock Purchase Agreement or any
               replacement facility; or

         6.1.4 Any financial statement, or certificate made or delivered by
               Borrower, or any of its officers, employees or agents, to Lender
               is not true and correct in any material respect, or information
               underlying the HFI Receivables Balance is not true and correct in
               any material respect, and the same is not corrected within thirty
               (30) days after Lender serves Borrower written notice of such;

         6.1.5 All or a material portion of the Collateral is attached, seized,
               levied upon or subjected to a writ or distress warrant, or come
               within the possession of any receiver, trustee, custodian or
               assignee for the benefit of creditors and the same is not cured
               within thirty (30) days thereafter; an application is made by any
               Person other than Borrower for the appointment of a receiver,
               trustee, or custodian for the Collateral or any of Borrower's
               other assets and the same is not dismissed within thirty (30)
               days after the application therefor; or

                                      -12-
<PAGE>

         6.1.6 An application is made by Borrower for the appointment of a
               receiver, trustee or custodian for the Collateral or any of
               Borrower's other assets; a petition under any section or chapter
               of the Bankruptcy Code or any similar law or regulation is filed
               by Borrower; Borrower makes an assignment for the benefit of its
               creditors or any case or proceeding is filed by Borrower for its
               dissolution, liquidation, or termination; or

         6.1.7 A petition under any section or chapter of the Bankruptcy Code or
               any similar law or regulation is filed against Borrower and is
               not dismissed within thirty (30) days after filing; or any case
               or proceeding is filed against Borrower for its dissolution,
               liquidation or termination and such case and proceeding is not
               dismissed within thirty (30) days; or

         6.1.8 Except as permitted in Section 5.8 of this Agreement, a notice of
               lien, levy or assessment is filed of record with respect to all
               or any substantial portion of Borrower's assets by the United
               States, or any department, agency or instrumentality thereof, or
               by any state, county, municipal or other governmental agency,
               including, without limitation, the Pension Benefit Guaranty
               Corporation, or any taxes or debts owing to any of the foregoing
               becomes a lien or encumbrance upon any substantial portion of
               Borrower's assets and such lien or encumbrance is not released
               within thirty (30) days after its creation; or

         6.1.9 Judgment is rendered against Borrower for an amount in excess of
               Ten Million Dollars ($10,000,000) and Borrower fails either to
               pay such judgment within thirty (30) days of the date due, to
               commence appropriate proceedings to appeal such judgment within
               the applicable appeal period or, after such appeal is filed,
               Borrower fails to diligently prosecute such appeal or such appeal
               is denied.

      6.2   ACCELERATION OF THE LIABILITIES. Upon and after the occurrence and
            during the continuance of a Default under any provision of Section
            6.1 other than Section 6.1.3, all of the Liabilities may, at the
            option of Lender upon written notice to the Borrower, and without
            demand or legal process of any kind, be declared, and immediately
            shall become, due and payable.

      6.3   REMEDIES. Upon the giving of notice by Lender under Section 6.2
            hereof, Lender shall have the following rights and remedies
            (provided that the Lender shall use reasonable efforts to notify
            Borrower prior to the exercise of such rights and remedies):

         6.3.1 All of the rights and remedies of a secured party under the Code
               or other applicable law, all of which rights and remedies shall
               be cumulative, and none exclusive, to the extent permitted by
               law, in addition to any other rights and remedies contained in
               this Agreement and in all of the Ancillary Agreements;

                                      -13-
<PAGE>

         6.3.2 The right to (i) peacefully enter upon the premises of Borrower
               or any other place or places where the Collateral is located and
               kept, without any obligation to pay rent to Borrower (if Borrower
               owns the place or places where the Collateral is kept), through
               self help and without judicial process or first obtaining a final
               judgment or giving Borrower notice and opportunity for a hearing
               on the validity of Lender's claim, and remove the Collateral from
               such premises and places to the premises of Lender or any agent
               of Lender, for such time as Lender may require to collect or
               liquidate the Collateral, and/or (ii) require Borrower to
               assemble and deliver the Collateral to Lender at a place to be
               designated by Lender;

         6.3.3 The right to (i) open Borrower's mail for the purpose of
               collecting, and collect any and all amounts due to Borrower from
               Account Debtors, (ii) notify Account Debtors that the Accounts
               have been assigned to Lender and that Lender has a security
               interest therein and (iii) direct such Account Debtors to make
               all payments due from them to Borrower upon the Accounts directly
               to Lender or to a lock box designated by Lender. Lender shall
               promptly furnish Borrower with a copy of any such notice sent,
               and Borrower hereby agrees that any such notice, in Lender's sole
               and absolute discretion, may be sent on Lender's stationery, in
               which event, at Lender's request Borrower shall co sign such
               notice with Lender; provided, however, that Borrower's failure or
               refusal to so co sign such notice shall have no effect on the
               validity of such notice;

         6.3.4 The right to sell or to otherwise dispose of all or any
               Collateral in its then condition, at public or private sale or
               sales, with such notice as provided in Section 6.4 of this
               Agreement, in lots or in bulk, for cash or on credit, all as
               Lender, in its sole and absolute discretion, may deem advisable.
               At any such sale or sales of the Collateral, the Collateral need
               not be in view of those present and attending the sale, nor at
               the same location at which the sale is being conducted. Lender
               shall have the right to conduct such sales on Borrower's premises
               or elsewhere and shall have the right to use Borrower's premises
               without charge for such sales for such time or times as Lender
               may see fit. Lender is hereby granted a license or other right to
               use, without charge, Borrower's labels, patents, copyrights,
               rights of use of any name, trade secrets, trade names, trademarks
               and advertising matter, or any property of a similar nature, as
               it pertains to the Collateral, in advertising for sale and
               selling any Collateral and Borrower's rights under all licenses
               and all franchise agreements shall inure to Lender's benefit.
               Lender may purchase all or any part of the Collateral at public
               or, if permitted by law, private sale and, in lieu of actual
               payment of such purchase price, may set off the amount of such
               price against the Liabilities. The proceeds realized from the
               sale of any Collateral shall be applied first to the reasonable
               costs, expenses and attorneys' and paralegal fees and expenses
               incurred by Lender for collection and for acquisition,
               completion, protection, removal, storage, sale and delivery of
               the Collateral; second to interest due upon any of the
               Liabilities; and third to the principal of the Liabilities. If
               any deficiency shall arise, Borrower shall remain liable to
               Lender therefor.

                                      -14-
<PAGE>

      6.4   NOTICE. Any notice required to be given by Lender of a sale, lease,
            other disposition of the Collateral or any other intended action by
            Lender, which is deposited in the United States mail, postage
            prepaid and duly addressed to Borrower, at the address set forth in
            Section 7.11 of this Agreement, ten (10)) days prior to such
            proposed action, shall constitute commercially reasonable and fair
            notice thereof to Borrower.

7. MISCELLANEOUS

      7.1   APPOINTMENT OF LENDER AS BORROWER'S LAWFUL ATTORNEY. Borrower,
            irrevocably designates, makes, constitutes and appoints Lender (and
            all Persons designated by Lender) as Borrower's true and lawful
            attorney (and agent-in fact) and Lender or Lender's agent, may,
            without notice to Borrower:

         7.1.1 At any time after the occurrence and during the continuance of
               any Default under Section 6.1 other than Section 6.1.3, in
               Borrower's or Lender's name but in accordance with all
               requirements of law and the terms of any Loan or installment sale
               agreement with the applicable Account Debtor:

               (a)   demand payment of the HFI Accounts;

               (b)   enforce payment of the HFI Accounts, by legal proceedings
                     or otherwise;

               (c)   exercise all of Borrower's rights and remedies with respect
                     to the collection of the HFI Accounts;

               (d)   settle, adjust, compromise, extend or renew the HFI
                     Accounts;

               (e)   settle, adjust or compromise any legal proceedings brought
                     to collect the HFI Accounts;

               (f)   if permitted by applicable law, sell or assign the HFI
                     Accounts upon such terms, for such amounts and at such time
                     or times as Lender deems advisable;

               (g)   discharge and release the HFI Accounts;

               (h)   take control, in any manner, of any item of payment or
                     proceeds of any of the Collateral;

               (i)   prepare, file and sign Borrower's name on any Proof of
                     Claim in Bankruptcy or similar document against any Account
                     Debtor;

                                      -15-
<PAGE>

               (j)   prepare, file and sign Borrower's name on any notice of
                     lien, assignment or satisfaction of lien or similar
                     document in connection with the HFI Accounts;

               (k)   do all acts and things necessary, in Lender's reasonable
                     discretion, to fulfill Borrower's obligations under this
                     Agreement;

               (l)   endorse by writing or stamp the name of Borrower upon any
                     chattel paper, document, instrument, invoice, freight bill,
                     bill of lading or similar document or agreement relating to
                     the HFI Accounts; and

               (m)   use for purposes of satisfying the Liabilities the
                     information recorded on or contained in any data processing
                     equipment and computer hardware and software relating to
                     the HFI Accounts to which Borrower has access; and

               (n)   notify the post office authorities to change the address
                     for delivery of Borrower's mail to an address designated by
                     Lender and receive, open and dispose of all mail addressed
                     to Borrower.

      7.2   MODIFICATION OF AGREEMENT; SALE OF INTEREST. This Agreement may not
            be modified, altered or amended, except by an agreement in writing
            signed by Borrower and Lender. Neither party may sell, assign or
            transfer this Agreement or any portion hereof or thereof, except
            that Lender may assign its rights and remedies hereunder to an
            Affiliate of Lender.

      7.3   ATTORNEYS' FEES AND EXPENSES; LENDER'S OUT OF POCKET EXPENSES. If,
            at any time or times, subsequent to the date hereof, and regardless
            of the existence of a Default or an Event of Default, Lender employs
            counsel for advice or other representation and incurs reasonable
            legal and/or other costs and expenses in connection with:

               (a)   Any amendment or modification of this Agreement or the
                     Ancillary Agreements;

               (b)   Any litigation, contest, dispute, suit, proceeding or
                     action (whether instituted by Lender, Borrower or any other
                     Person) in any way relating to the Collateral, this
                     Agreement or the Ancillary Agreements; or

               (c)   Any attempt to enforce any rights of Lender against
                     Borrower or any other Person which may be obligated to
                     Lender by virtue of this Agreement or the Ancillary
                     Agreements, including, without limitation, the Account
                     Debtors;

                                      -16-
<PAGE>

               then, in any of the foregoing events, the reasonable attorneys'
               fees arising from such services and all reasonably incurred
               expenses, costs, charges and other fees of such counsel or of
               Lender arising out of any of the events or actions described in
               this Section 7.3 shall be payable, on written demand, by Borrower
               to Lender and shall be additional Liabilities hereunder secured
               by the Collateral. Without limiting the generality of the
               foregoing, such expenses, costs, charges and fees may include
               paralegals' fees, costs and expenses; accountants' fees, costs
               and expenses; court costs, fees and expenses; photocopying and
               duplicating expenses; court reporter fees, costs and expenses;
               long distance telephone charges; air express charges; telegram
               charges; secretarial overtime charges; and expenses for travel,
               lodging and food paid or incurred in connection with the
               performance of such legal services.

      7.4   NO WAIVER BY LENDER. Lender's failure, at any time or times
            hereafter, to require strict performance by Borrower of any
            provision of this Agreement shall not constitute a waiver, or affect
            or diminish any right of Lender thereafter to demand strict
            compliance and performance therewith. Any suspension or waiver by
            Lender of a Default by Borrower under this Agreement or the
            Ancillary Agreements shall not suspend, constitute a waiver of or
            affect any other Default by Borrower under this Agreement or
            Ancillary Agreements, whether the same is prior or subsequent
            thereto and whether of the same or of a different type. None of the
            undertakings, agreements, warranties and covenants of Borrower
            contained in this Agreement or the Ancillary Agreements and no
            Default by the Borrower under this Agreement or the Ancillary
            Agreements shall be deemed to have been suspended or waived by
            Lender, unless such suspension or waiver is by an instrument in
            writing signed by an officer of Lender and directed to Borrower
            specifying such suspension or waiver.

      7.5   SEVERABILITY. Wherever possible, each provision of this Agreement
            shall be interpreted in such manner as to be effective and valid
            under applicable law, but if any provision of this Agreement shall
            be prohibited by or invalid under applicable law, such provision
            shall be ineffective to the extent of such prohibition or
            invalidity, without invalidating the remainder of such provision or
            the remaining provisions of this Agreement.

      7.6   PARTIES; ENTIRE AGREEMENT. This Agreement and the Ancillary
            Agreements shall be binding upon and inure to the benefit of the
            successors and permitted assigns of Borrower and Lender. Borrower's
            successors and assigns shall include, without limitation, a trustee,
            receiver or debtor in possession of or for Borrower. Nothing
            contained in this Section 7.6 shall be deemed to modify Section 7.2
            of this Agreement. This Agreement is the complete statement of the
            agreement by and between Borrower and the Lender and supersedes all
            prior negotiations, understandings and representations between them
            with respect to the subject matter of this Agreement.

                                      -17-
<PAGE>

      7.7   CONFLICT OF TERMS. The provisions of the Ancillary Agreements are
            incorporated in this Agreement by this reference thereto. Except as
            otherwise provided in this Agreement and except as otherwise
            provided in the Ancillary Agreements by specific reference to the
            applicable provision of this Agreement, if any provision contained
            in this Agreement is in conflict with, or inconsistent with, any
            provision in the Ancillary Agreements, the provision contained in
            this Agreement shall govern and control.

      7.8   WAIVERS BY BORROWER. Except as otherwise provided for in this
            Agreement, Borrower waives (i) presentment, demand and protest,
            notice of protest, notice of presentment, default, non payment,
            maturity, release, compromise, settlement, extension or renewal of
            any or all commercial paper, accounts, contract rights, documents,
            instruments, payment intangibles, chattel paper and guaranties at
            any time held by Lender on which Borrower may in any way be liable
            in connection with this Agreement or the Collateral; (ii) all rights
            to notice and a hearing prior to Lender's taking possession or
            control of, or to Lender's replevy, attachment or levy upon, the
            Collateral or any bond or security which might be required by any
            court prior to allowing Lender to exercise any of Lender's remedies;
            and (iii) the benefit of all valuation, appraisement, extension and
            exemption laws. Borrower acknowledges that it has been advised by
            counsel of its choice with respect to this Agreement and the
            transactions evidenced by this Agreement.

      7.9   GOVERNING LAW. This Agreement shall be interpreted, and the rights
            and liabilities of the parties hereto determined, in accordance with
            the internal laws (as opposed to conflicts of law provision) of the
            State of Michigan.

      7.10  FORUM; SERVICE OF PROCESS. AS PART OF THE CONSIDERATION FOR NEW
            VALUE THIS DAY RECEIVED, BORROWER HEREBY CONSENTS TO THE EXCLUSIVE
            JURISDICTION OF ANY STATE OR FEDERAL COURT LOCATED WITHIN WAYNE
            COUNTY, MICHIGAN. BORROWER WAIVES TRIAL BY JURY AND WAIVES ANY
            OBJECTION WHICH THE BORROWER MAY HAVE BASED ON IMPROPER VENUE OR
            FORUM NON CONVENIENS TO THE CONDUCT OF ANY PROCEEDING INSTITUTED
            HEREUNDER AND CONSENTS TO THE GRANTING OF SUCH LEGAL OR EQUITABLE
            RELIEF AS IS DEEMED APPROPRIATE BY THE COURT. NOTHING CONTAINED IN
            THIS SECTION 7.10 SHALL AFFECT THE RIGHT OF LENDER TO SERVE LEGAL
            PROCESS IN ANY OTHER MANNER PERMITTED BY LAW OR AFFECT THE RIGHT OF
            LENDER TO BRING ANY ACTION OR PROCEEDING AGAINST BORROWER OR ITS
            PROPERTY IN THE COURTS OF ANY OTHER JURISDICTION.

      7.11  NOTICE. Except as otherwise provided herein, any notice required
            hereunder shall be in writing and shall be deemed to have been
            validly served, given or delivered upon deposit in the United States
            mails, with proper postage prepaid, certified or registered mail,
            addressed to the party to be notified as follows:

                                      -18-
<PAGE>

         7.11.1 If to Lender, at:

                Ford Motor Credit Company
                One American Road
                Dearborn, MI 48126
                Attention: General Counsel
                Telefax: (313) 390-3212

                with a copy to:

                Dykema Gossett PLLC
                400 Renaissance Center
                Detroit, Michigan  48243-1668
                Attention: Aleksandra A. Miziolek
                Telefax: (313) 568-6832

         7.11.2 If to Borrower, at

                Triad Financial Corporation
                7711 Center Avenue, Suite 100
                Huntington Beach, California  92647
                Attention: ___________________________________
                Telefax: _____________________________________

                with a copy to:

                Hunters Glen Ltd.
                200 Crescent Court, STE 1350
                Dallas, Texas 75201
                Attention: Carl Webb
                Telefax: (214) 871-5199

         or to such other address as each party may designate for itself by
         like notice.

      7.12  DELEGATION OF DUTIES AND GRANT OF AUTHORITY. Lender may perform any
            of its duties under this Agreement or under the Ancillary Agreements
            by or through agents or attorneys-in-fact and shall be entitled to
            advice of counsel concerning all matters pertaining to such duties.
            In such capacity, such agent or attorney-in-fact shall have the
            right to undertake, exercise and enforce, on behalf of Lender, all
            duties, rights, demands and acts of discretion of Lender provided
            for in, or in any way related to, this Agreement or the Ancillary
            Agreements and to receive all payments, notices and requests from
            Borrower on behalf of and for the account of Lender that are
            provided for in, or in any way related to, this Agreement or the
            Ancillary Agreements to "Lender" shall be deemed to mean a reference
            to such agent or attorney in fact, as agent for Lender, as well as a
            reference to Lender.

                                      -19-
<PAGE>

      7.13  SECTION TITLES. The section titles and Table of Contents contained
            in this Agreement are and shall be without substantive meaning or
            content of any kind whatsoever and are not a part of the agreement
            between the parties hereto.

                                      -20-
<PAGE>

            IN WITNESS WHEREOF, this Agreement has been duly executed as of the
day and year specified at the beginning hereof.

                                             TRIAD FINANCIAL CORPORATION

ATTEST:                                      By: /s/ Michael Wilhelms
                                             Its: Senior Vice President, Chief
                                                  Financial Officer

/s/ Deborah Glasser
Secretary

                                             FORD MOTOR CREDIT COMPANY

                                             By: /s/ Malcolm Sutherland
                                             Its: Director, Business Development

                                      -21-
<PAGE>

                                    EXHIBIT A

Triad Financial Corporation
7711 Center Avenue, Suite 100
Huntington Beach, CA 92647

Triad Financial Corporation
5201 Rufe Snow Drive, Suite 400
North Richland Hills, TX 76180

FDI Consulting, Inc.
1610 Arden Way, Suite 145
Sacramento, CA 95815

Iron Mountain
958 Midway Place
Cerritos, CA 90703

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