Document:

Exhibit 4.7

                                  EXHIBIT E
                                  ---------

                    FORM OF COMMON STOCK PURCHASE WARRANT

 THIS COMMON  STOCK  PURCHASE  WARRANT HAS  NOT  BEEN  REGISTERED  UNDER  THE
 SECURITIES ACT  OF 1933,  AS AMENDED  (THE "SECURITIES  ACT").   THE  HOLDER
 HEREOF, BY PURCHASING  THIS COMMON STOCK  PURCHASE WARRANT,  AGREES FOR  THE
 BENEFIT OF  THE  COMPANY  THAT  SUCH SECURITIES  MAY  BE  OFFERED,  SOLD  OR
 OTHERWISE TRANSFERRED ONLY (A) TO THE COMPANY, (B) PURSUANT TO AN  EXEMPTION
 FROM REGISTRATION UNDER THE SECURITIES ACT,  OR (C) IF REGISTERED UNDER  THE
 SECURITIES ACT AND  ANY APPLICABLE STATE  SECURITIES LAWS.   IN ADDITION,  A
 SECURITIES PURCHASE AGREEMENT ("PURCHASE AGREEMENT"), DATED THE DATE HEREOF,
 A COPY OF WHICH MAY BE OBTAINED FROM THE COMPANY AT ITS PRINCIPAL  EXECUTIVE
 OFFICE, CONTAINS CERTAIN ADDITIONAL AGREEMENTS AMONG THE PARTIES, INCLUDING,
 WITHOUT LIMITATION, PROVISIONS WHICH LIMIT THE EXERCISE RIGHTS OF THE HOLDER
 AND SPECIFY MANDATORY REDEMPTION OBLIGATIONS OF THE COMPANY.

                   _______________________________________

                     DIAL-THRU INTERNATIONAL CORPORATION

                        COMMON STOCK PURCHASE WARRANT

 ----------------------------------------------------------------------------
                                                    No. 1

 Number of shares: 100,000      Holder: GCA Strategic Investment Fund Limited
                                        c\o Prime Management
 Expiration Date: July 24, 2008         Mechanics Building
                                        12 Church Street
 Purchase Price Per Share: $0.14        Hamilton, Bermuda HM11

 For identification only.  The governing terms of this Warrant are set forth
                           below.
 ----------------------------------------------------------------------------

 Dial-Thru International Corporation, a Delaware corporation (the "Company"),
 hereby certifies that,  for value  received, GCA  Strategic Investment  Fund
 Limited or assigns ("Holder"), is entitled,  subject to the terms set  forth
 below, to purchase from the Company at any  time or from time to time  after
 the date hereof  and prior to  the fifth anniversary  hereof (the  "Exercise
 Period"), at the Purchase Price hereinafter set forth, One Hundred  Thousand
 (100,000) shares of the fully paid and nonassessable shares of common  stock
 of the Company, $.001 par value per share (the "Common Stock").  The  number
 and character of  such shares  of Common Stock  and the  Purchase Price  are
 subject to adjustment as provided herein.

      The purchase price per share of Common Stock issuable upon exercise  of
 this Warrant  (the "Purchase  Price") shall  initially be  $0.14,  provided,
 however, that the  Purchase Price  shall be adjusted  from time  to time  as
 provided herein.

 1.   Certain Defined Terms.   Capitalized  terms used  herein not  otherwise
 defined shall have the meanings ascribed thereto in the Purchase  Agreement.
 As used herein the following terms,  unless the context otherwise  requires,
 have the following respective meanings:

           (a)  The term  "Company"  shall  include  Dial-Thru  International
      Corporation and  any  corporation  that shall  succeed  or  assume  the
      obligations of such corporation hereunder.

           (b)  The term  "Common Stock"  includes (a)  the Company's  common
      stock, $.001 par value  per share, (b) any  other capital stock of  any
      class or classes (however designated) of the Company, authorized on  or
      after such date,  the holders of  which shall have  the right,  without
      limitation as to amount, either to all or to a share of the balance  of
      current dividends  and  liquidating  dividends  after  the  payment  of
      dividends and distributions on any  shares entitled to preference,  and
      the holders of which shall ordinarily, in the absence of contingencies,
      be entitled to vote for the election of a majority of directors of  the
      Company (even though  the right so  to vote has  been suspended by  the
      happening of  such a  contingency) and  (c) any  other securities  into
      which or for which any of the securities described in (a) or (b) may be
      converted  or  exchanged  pursuant  to  a  plan  of   recapitalization,
      reorganization, merger, sale of assets or otherwise.

           (c)  The term "Other Securities" refers  to any stock (other  than
      Common Stock) and other securities of  the Company or any other  person
      (corporate or otherwise) that  the Holder of this  Warrant at any  time
      shall be entitled to receive, or  shall have received, on the  exercise
      of this Warrant, in lieu of or in addition to Common Stock, or that  at
      any time shall be issuable or shall have been issued in exchange for or
      in replacement of Common Stock or Other Securities pursuant to  Section
      4 or otherwise.

      2.   Exercise of Warrant.

           2.1  Method of Exercise.

           (a)  This warrant may be exercised in whole or in part (but not as
      to a fractional share of  Common Stock), at any  time and from time  to
      time during the Exercise Period by  the Holder hereof by delivery of  a
      notice of exercise (a "Notice of  Exercise") substantially in the  form
      attached hereto as Exhibit  A via facsimile to  the Company.   Promptly
      thereafter the Holder shall  surrender this Warrant  to the Company  at
      its principal  office, accompanied  by payment  of the  Purchase  Price
      multiplied by  the number  of shares  of Common  Stock for  which  this
      Warrant is  being exercised  (the "Exercise  Price").   Payment of  the
      Exercise Price shall be made, at the option of the Holder, (i) by check
      or bank draft  payable to the  order of the  Company, or  (ii) by  wire
      transfer to the  account of  the Company.   Upon  exercise, the  Holder
      shall be entitled to receive, promptly refund the excess to the Holder.
      Upon exercise, the Holder shall be entitled to receive, promptly  after
      payment in full, one or more certificates, issued in the Holder's  name
      or in such  name or  names as  the Holder  may direct,  subject to  the
      limitations on transfer contained herein, for  the number of shares  of
      Common Stock so  purchased.  The  shares of Common  Stock so  purchased
      shall be deemed to be issued as of the close of business on the date on
      which the Company shall have received  from the Holder payment in  full
      of the Exercise Price (the "Exercise Date").

           (b)  Notwithstanding anything to  the contrary  set forth  herein,
      upon exercise of all  or a portion of  this Warrant in accordance  with
      the terms  hereof,  the Holder  shall  not be  required  to  physically
      surrender this Warrant  to the Company.   Rather,  records showing  the
      amount so exercised and the date  of exercise shall be maintained on  a
      ledger substantially in the form of Annex B attached hereto (a copy  of
      which shall be  delivered to the  Company or transfer  agent with  each
      Notice of Exercise).  It is  specifically contemplated that the  Holder
      hereof shall act  as the calculation  agent for all  exercises of  this
      Warrant.  In the  event of any dispute  or discrepancies, such  records
      maintained by the Holders shall be controlling and determinative in the
      absence of manifest error.  The Holder and any assignee, by  acceptance
      of  this  Warrant,  acknowledge  and  agree  that,  by  reason  of  the
      provisions of this  paragraph, following an  exercise of  a portion  of
      this Warrant, the number of shares of Common Stock represented by  this
      Warrant will be the amount indicated on Annex B attached hereto  (which
      may be less than the amount stated on the face hereof).

           2.2  Representations of Holder.  The Holder hereof represents  and
 warrants to the Company  that it has acquired  this Warrant and  anticipates
 acquiring the shares of Common Stock  issuable upon exercise of the  Warrant
 solely for its own account for investment purposes and not with a view to or
 for resale of such  securities unless such resale  has been registered  with
 the Commission or an  applicable exemption is available  therefore.  At  the
 time this Warrant is exercised, the Company may require the Holder to  state
 in the Notice of Exercise such representations concerning the Holder as  are
 necessary or  appropriate  to  assure compliance  by  the  Holder  with  the
 Securities Act.

           2.3  Company Acknowledgment.  The Company will, at the time of the
 exercise of this Warrant, upon request of the Holder hereof, acknowledge  in
 writing its continuing obligation to afford to such Holder the  registration
 rights to  which  such Holder  shall  continue  to be  entitled  after  such
 exercise in accordance with  the provisions of the  Purchase Agreement.   If
 the Holder  shall fail  to make  any such  request, such  failure shall  not
 affect the continuing obligation  of the Company to  afford such Holder  any
 such rights.

           2.4  Limitation on Exercise.   Notwithstanding the  rights of  the
 Holder to exercise  all or a  portion of this  Warrant as described  herein,
 such exercise rights shall be limited, solely to the extent set forth in the
 Purchase Agreement as if such provisions were specifically set forth herein.

      3.   Delivery of Stock  Certificates, etc., on  Exercise.   As soon  as
 practicable after the  exercise of  this Warrant,  and in  any event  within
 three (3) business days  thereafter, the Company  at its expense  (including
 the payment by  it of any  applicable issue, stamp  or transfer taxes)  will
 cause to be issued in the name of  and delivered to the Holder thereof,  or,
 to the extent permissible hereunder, to such other person as such Holder may
 direct, a  certificate or  certificates for  the number  of fully  paid  and
 nonassessable shares of  Common Stock (or  Other Securities)  to which  such
 Holder shall be entitled on such  exercise, plus, in lieu of any  fractional
 share to which such Holder would  otherwise be entitled, cash equal to  such
 fraction multiplied by the then applicable Purchase Price, together with any
 other  stock  or  other  securities  and  property  (including  cash,  where
 applicable) to which such Holder is entitled upon such exercise pursuant  to
 Section 2 or otherwise.

      4.   Adjustment for Extraordinary  Events.   The Purchase  Price to  be
 paid by the Holder upon exercise  of this Warrant, and the consideration  to
 be received upon exercise of this Warrant, shall be adjusted in case at  any
 time or from time to time pursuant  to Article XI of the Purchase  Agreement
 as if such provisions were specifically set forth herein.

      5.   No Impairment.    The  Company  will  not,  by  amendment  of  its
 Certificate of  Incorporation or  through  any reorganization,  transfer  of
 assets, consolidation, merger, dissolution, issue  or sale of securities  or
 any other  voluntary  action, avoid  or  seek  to avoid  the  observance  or
 performance of any of the terms  of this Warrant, but  will at all times  in
 good faith assist in the carrying out of all such terms and in the taking of
 all such action as may be necessary  or appropriate in order to protect  the
 rights of the Holder of this  Warrant against impairment.  Without  limiting
 the generality of the foregoing, the  Company (a) will not increase the  par
 value of any  shares of  stock receivable on  the exercise  of this  Warrant
 above the amount payable therefor on  such exercise, (b) will take all  such
 action as may  be necessary  or appropriate in  order that  the Company  may
 validly and legally issue fully paid and unassessable shares of stock on the
 exercise of this Warrant, and (c) will not transfer all or substantially all
 of its properties and assets to  any other person (corporate or  otherwise),
 or consolidate with or merge into any other person or permit any such person
 to consolidate with or  merge into the  Company (if the  Company is not  the
 surviving person),  unless  such  other person  shall  expressly  assume  in
 writing and will be bound by all the terms of this Warrant.

      6.   Accountant's Certificate as to Adjustments.  In each  case of  any
 adjustment  or  readjustment  in  the  shares  of  Common  Stock  (or  Other
 Securities) issuable on  the exercise of  this Warrant, the  Company at  its
 expense will  promptly cause  independent  certified public  accountants  of
 national standing  selected by  the Company  to compute  such adjustment  or
 readjustment in accordance  with the  terms of  this Warrant  and prepare  a
 certificate setting forth  such adjustment  or readjustment  and showing  in
 detail the  facts  upon which  such  adjustment or  readjustment  is  based,
 including a statement of (a) the consideration received or receivable by the
 Company for  any additional  shares of  Common Stock  (or Other  Securities)
 issued or sold  or deemed to  have been issued  or sold, (b)  the number  of
 shares of Common  Stock (or Other  Securities) outstanding or  deemed to  be
 outstanding, and (c) the Purchase Price  and the number of shares of  Common
 Stock to be received  upon exercise of this  Warrant, in effect  immediately
 prior to such issue or  sale and as adjusted  and readjusted as provided  in
 this Warrant.    The  Company  will  forthwith mail  a  copy  of  each  such
 certificate to the Holder of this Warrant, and will, on the written  request
 at any time of  the Holder of this  Warrant, furnish to  such Holder a  like
 certificate setting  forth the  Purchase Price  at the  time in  effect  and
 showing how it was calculated.

      7.  Notices of Record Date, etc.  In the event of

                (a)  any taking by the Company of a record of the holders  of
 any  class or securities for the purpose of determining the holders  thereof
 who are entitled to receive any dividend or other distribution, or any right
 to subscribe for, purchase or otherwise  acquire any shares of stock of  any
 class or any other securities or property, or to receive any other right, or

                (b)  any  capital   reorganization   of  the   Company,   any
 reclassification    or recapitalization of the capital stock of the  Company
 or any transfer of all or substantially all the assets of the Company to  or
 consolidation or merger of the Company with or into any other person, or

                (c)  any voluntary or involuntary dissolution, liquidation or
 winding-up of the Company,

 then and in each such event the Company will  mail or cause to be mailed  to
 the Holder of this  Warrant a notice  specifying (i) the  date on which  any
 such record is to be taken for the purpose of such dividend, distribution or
 right, and stating the amount and  character of such dividend,  distribution
 or  right,   and  (ii)   the  date   on  which   any  such   reorganization,
 reclassification,   recapitalization,   transfer,   consolidation,   merger,
 dissolution, liquidation or winding-up  is to take place,  and the time,  if
 any, as of which the holders of record of Common Stock (or Other Securities)
 shall be  entitled  to exchange  their  shares  of Common  Stock  (or  Other
 Securities) for then and in each such  event the Company will mail or  cause
 to be mailed to the Holder of this Warrant a notice specifying (i) the  date
 on which any such record is  to be taken for  the purpose of such  dividend,
 distribution or right, and stating the amount of character of such dividend,
 distribution or right, and (ii) the  date on which any such  reorganization,
 reclassification,   recapitalization,   transfer,   consolidation,   merger,
 dissolution, liquidation or winding-up  is to take place,  and the time,  if
 any, as of which the holders of record of Common Stock (or Other Securities)
 shall be  entitled  to exchange  their  shares  of Common  Stock  (or  Other
 Securities)  for   securities  or   other  property   deliverable  on   such
 reorganization, reclassification, recapitalization, transfer, consolidation,
 merger, dissolution, liquidation or winding-up.  Such notice shall be mailed
 at least 20 days  prior to the date  specified in such  notice on which  any
 action is to be taken.

      8.   Reservation of Stock, etc.  Issuable on Exercise of Warrant.   The
 Company will at all  times reserve and keep  available, solely for  issuance
 and delivery on the exercise of this Warrant, all shares of Common Stock (or
 Other Securities)  from  time to  time  issuable  on the  exercise  of  this
 Warrant.

      9.   Exchange of Warrant.

           (a)  On surrender for exchange of this Warrant, properly  endorsed
 and in compliance with the restrictions on transfer set forth in the  legend
 on the face of this Warrant, to the Company, the Company at its expense will
 issue and deliver to or on the order of the Holder thereof a new Warrant  of
 like tenor, in the name of such Holder or as such Holder (on payment by such
 Holder of  any  applicable  transfer  taxes)  may  direct,  calling  in  the
 aggregate on the face or  faces thereof for the  number of shares of  Common
 Stock called for on the face of the Warrant so surrendered.

           (b)  Upon written notice from the Purchaser that the Purchaser has
 elected to transfer  amongst each other  a portion of  this Warrant, and  on
 surrender for amendment and restatement of this Warrant, the Company at  its
 expense will issue and deliver to  or on the order  of the Holder thereof  a
 new Warrant of like tenor, in the name  of such Holder as the Purchaser  (on
 payment by such Holder of any applicable transfer taxes) may direct, calling
 in the aggregate on the face  or faces thereof for  the number of shares  of
 Common Stock as set forth in such notice reflecting such transfer.

      10.  Replacement  of  Warrant.    On  receipt  of  evidence  reasonably
 satisfactory to the Company of the loss, theft, destruction or mutilation of
 this Warrant and, in the case of any such loss, theft or destruction of this
 Warrant, on  delivery  of  an indemnity  agreement  or  security  reasonably
 satisfactory in form and amount to the Company  or, in the case of any  such
 mutilation, on surrender and  cancellation of this  Warrant, the Company  at
 its expense will execute and deliver, in lieu thereof, a new Warrant of like
 tenor.

      11.  Remedies.  The Company stipulates that the remedies at law of  the
 Holder of this Warrant in the event of any default or threatened default  by
 the Company in the  performance of or  compliance with any  of the terms  of
 this Warrant are not and will  not be adequate, and  that such terms may  be
 specifically enforced  by  a decree  for  the specific  performance  of  any
 agreement contained herein or by an injunction against a violation of any of
 the terms hereof or otherwise.

      12.  Negotiability, etc..   This Warrant is  issued upon the  following
 terms, to all  of which each  Holder or owner  hereof by  the taking  hereof
 consents and agrees:

           (a)  title to this Warrant may  be transferred by endorsement  and
 delivery in  the same  manner as  in  the case  of a  negotiable  instrument
 transferable by endorsement and delivery.

           (b)  any person in possession of this Warrant properly endorsed is
 authorized to represent himself as absolute owner hereof and is empowered to
 transfer absolute title hereto by endorsement and delivery hereof to a  bona
 fide purchaser  hereof   for value;  each prior  taker or  owner waives  and
 renounces all of his  equities or rights  in this Warrant  in favor of  such
 bona fide  purchaser,  and  each such  bona  fide  purchaser  shall  acquire
 absolute title hereto and to all rights represented hereby;

           (c)  until this  Warrant  is  transferred  on  the  books  of  the
 Company, the Company may treat the registered Holder hereof as the  absolute
 owner hereof for all purposes, notwithstanding  any notice to the  contrary;
 and

           (d)  notwithstanding the foregoing, this Warrant may not be  sold,
 transferred  or  assigned  except  pursuant  to  an  effective  registration
 statement under the Securities  Act or pursuant  to an applicable  exemption
 therefrom.

      13.  Registration Rights.     The Company is obligated to register  the
 shares of Common Stock issuable upon exercise of this Warrant in  accordance
 with the terms of the Purchase Agreement.

      14.  Warrant Redemption.   Upon occurrence of  the events described  in
 Section 3.4  of the  Purchase  Agreement, the  Company,  at the  request  of
 Holder, shall redeem all outstanding Warrants  that remain unexercised at  a
 redemption price  equal to  the greater  of (x)  an appraised  value of  the
 Warrants, as determined by Black  Sholes,  on the  date they are called  for
 redemption and (y) the number of  Warrants being redeemed multiplied by  the
 excess of (A) the average Closing Bid Price of the Common Stock for the five
 Trading Days immediately prior to the date that the Warrants are called  for
 redemption over (B) the exercise price of the Warrants.

      15.  Notices, etc..   All  notices and  other communications  from  the
 Company to  the  Holder of  this  Warrant shall  be  mailed by  first  class
 registered or certified mail, postage prepaid,  at such address as may  have
 been furnished to the Company in writing  by such Holder or, until any  such
 Holder furnishes to the Company any address, then to, and at the address of,
 the last Holder  of this  Warrant who  has so  furnished an  address to  the
 Company.

      16.  Miscellaneous.  This Warrant and any  term hereof may be  changed,
 waived, discharged or terminated only by an instrument in writing signed  by
 the party against  which enforcement of  such change,  waiver, discharge  or
 termination is sought.   This   Warrant shall be  construed and enforced  in
 accordance with and governed by the internal laws of the State of  Delaware.
 The headings in  this Warrant are  for the purposes  of reference only,  and
 shall not limit or otherwise affect any of the terms hereof.  The invalidity
 or unenforceability  of any  provision hereof  shall in  no way  affect  the
 validity or enforceability of any other provision.

                           [Signature Page Follows]

<PAGE>

 DATED as of July 24, 2003.

                               DIAL-THRU INTERNATIONAL CORPORATION

                               By:    ____________________________
                               Name:  John Jenkins
                               Title: President

 [Corporate Seal]

 Attest:

 By: ________________________
           Secretary

<PAGE>

                                  EXHIBIT A

                      FORM OF NOTICE EXERCISE - WARRANT
                      (To be executed only upon exercise
                     of the Warrant in whole or in part)

 To ____________________________________________

      The undersigned registered Holder  of the accompanying Warrant,  hereby
 exercises such Warrant  or portion  thereof for,  and purchases  thereunder,
 __________1 shares of Common Stock (as defined in such Warrant) and herewith
 makes payment therefor in the amount and  manner set forth below, as of  the
 date written below.  The undersigned requests that the certificates for such
 shares of  Common  Stock  be  issued  in the  name  of,  and  delivered  to,
 __________________________________ whose address is ________________________
 __________________________________ .

      The Exercise Price is paid as follows:

      [ ]  Bank draft payable to the Company in the amount of $_____________.
      [ ]  Wire transfer  to the  account of  the Company  in the  amount  of
           $___________.

      Upon exercise pursuant to this Notice  of Exercise, the Holder will  be
 in compliance with the Limitation on Exercise (as defined in the  Securities
 Purchase Agreement pursuant to which this Warrant was issued).

 Date: _____________________
                               (Name must conform to name of Holder as
                               specified on the face of the Warrant)

                               By:    ________________________________
                               Name:  ________________________________
                               Title: ________________________________

                               Address of Holder:
                                      ________________________________
                                      ________________________________

 Date of exercise: _________________

 -----------------------------------
 1 Insert the number of shares of Common Stock as to which the accompanying
 Warrant is being exercised.  In the case of a partial exercise, a new
 Warrant or Warrants will be issued and delivered, representing the
 unexercised portion of the accompanying Warrant, to the Holder surrendering
 the same.

<PAGE>

                                   ANNEX B

                           WARRANT EXERCISE LEDGER

          Original                Exercise       New
          Number of   Warrants     Price     Balance of    Issuer     Holder
  Date    Warrants    Exercised     Paid      Warrants    Initials   Initials
 -------  ---------   ---------   --------   ----------   --------   --------

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

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

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

 ----------------------------------------------------------------------------EXHIBIT 10.1

<TABLE>
<CAPTION>
                                                       September 15, 2003
                                               DART 2000-1 DISTRIBUTION SUMMARY

                                                     Collection Account
Wire/Deposit to:                                    In consideration of:                         In the amount of:
----------------                                    --------------------                         -----------------
<S>                                                 <C>                                          <C>
1.  Premier Auto Finance, Inc.                      Reimburse Previous Advances
                                                    Excess Coverage                                              51,220.02

2.  Bank of New York                                Indenture Trustee Fee                                             0.00

3.  Chase                                           Owner Trustee Fee                                                 0.00

4.  Premier Auto Finance, Inc.                      Servicing Fees                                               68,593.39
                                                    Late Fees                                                    82,231.32
                                                                                                 --------------------------
                                                    Total Servicing Fees                                        150,824.71

5.  Note Distribution Account                       Note Interest                                               417,142.92

6.  Certificate Distribution Account                Certificate Interest                                         87,068.70

7.  Note Distribution Account                       Principal Payable                                        69,136,475.84

8.  Certificate Distribution Account                Principal Payable                                        13,175,591.56

9.  Reserve Fund                                    Funding                                                     245,099.65
                                                                                                 --------------------------
TOTAL AMOUNT WIRED/DEPOSITED:                                                                                83,263,423.40
                                                                                                 ==========================

                                                      Reserve Account
Wire/Deposit to:                                    In consideration of:
----------------                                    --------------------
1. Collection Account                               Collection Shortfall                                              0.00

2. Premier Auto Finance, Inc.                       Excess Reserve Release                                    7,774,304.37

                                                                                                 --------------------------
TOTAL AMOUNT WIRED/DEPOSITED:                                                                                 7,774,304.37
                                                                                                 ==========================
</TABLE>

/S/ Kevin P. Diamond
----------------------------------------------------
Senior Vice President

/S/ David C. Greenberg
----------------------------------------------------
CEO

                                                                 Page 3 of 9
<PAGE>

                   Dealer Auto Receivables Owner Trust 2000-1

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

<TABLE>
<CAPTION>
                                                          Monthly Report
                                          For the September 15, 2003 Distribution Date
<S>                                                                                                                  <C>
A         Calculation of Available Amounts

        1 Available Principal (as defined in Article I of the Sale and Servicing Agreement)                      $82,299,688.06
                                                                                                           ---------------------
        2 Available Interest (as defined in Article I of the Sale and Servicing Agreement)                          $881,504.02
                                                                                                           ---------------------
        3 Available Amounts (l. plus 2.)                                                                         $83,181,192.08
                                                                                                           ---------------------

B         Calculation of Principal Distributable Amount                                                          $82,312,067.40
                                                                                                           ---------------------
           (as defined in Article I of the Sale and Servicing Agreement)

C         Calculation of Note Monthly Principal Distributable Amount                                             $82,312,067.40
                                                                                                           ---------------------

        1 Note Percentage for such Distribution Date

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

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

        2 Principal Distributable Amount (from B)                                                                $82,312,067.40
                                                                                                           ---------------------

        3 Note Monthly Principal Distributable Amount for

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

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

             (c) Class A-3 Notes                                                                                          $0.00
                                                                                                           ---------------------

             (d) Class A-4 Notes                                                                                 $44,666,475.84
                                                                                                           ---------------------

             (e) Class B Notes                                                                                   $24,470,000.00
                                                                                                           ---------------------

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

D    Calculation of Note Monthly Interest Distributable Amount

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

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

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

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

        5 Class B Interest Rate                                                                                           7.46%
                                                                                                           ---------------------

                                                            Page 4 of 9
<PAGE>

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

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

          8 Class A-3 Note Interest Distributable Amount                                                                  $0.00
                                                                                                              ------------------

          9 Class A-4 Note Interest Distributable Amount                                                            $265,021.09
                                                                                                              ------------------

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

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

         12 Note Monthly Interest Distributable Amount (the sum of items D.6, D.7, D.8, D.9,
            D.10 and D.11)                                                                                          $417,142.92
                                                                                                              ------------------

E       Calculation of Note Distributable Amount (sum of C.3 plus D.12.)                                         $82,729,210.32
                                                                                                              ------------------

F       Calculation of Certificate Principal Distributable Amount

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

          2 Principal Distributable Amount                                                                       $13,175,591.56
                                                                                                              ------------------

          3 Certificate Percentage for each respective Distribution Date

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

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

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

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

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

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

G       Calculation of Certificate Interest Distributable Amount

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

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

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

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

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

I       Fees

          1 The Monthly Servicing Fee for such Distribution Date
                                                                                                                     $68,593.39
                                                                                                              ------------------
            (1/12 of the product of 1% and the Aggregate Principal Balance of the Contracts as
            of the beginning of the preceding Distribution Date)

          2 Late Payment Penalty Fees for such Distribution Date                                                     $82,231.32
                                                                                                              ------------------

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

                                                                   Page 5 of 9
<PAGE>

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

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

J        Calculation of the Available Amounts for such Distribution Date

          1 The amount of funds deposited into the Collection Account pursuant to Section 5.05(b)
            of the Sale and Servicing Agreement with respect  to the related Due Period                          $83,263,423.40
                                                                                                              ------------------

            a  All amounts received by the Indenture Trustee or the Servicer with respect to
               principal and interest on the Contracts, as well as Late Payment Penalty Fees and
               Extensions Fees for related Due Period                                                             $7,217,427.68
                                                                                                              ------------------

            b  All Net Liquidation Proceeds                                                                         $583,175.57
                                                                                                              ------------------

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

            d  All Advances made by Servicer pursuant to Section 7.02 of the Sale and Servicing
               Agreement                                                                                                  $0.00
                                                                                                              ------------------

            e  All amounts paid by the Seller in connection with an optional repurchase of the
               Contracts described in Section 7.07 of the Sale and Servicing Agreement                           $75,462,694.32
                                                                                                              ------------------

            f  All amounts received in respect of interest, dividends, gains, income and earnings on
               investments of funds in the Trust Accounts as contemplated in Section 5.05(b) of the
               Sale and Servicing Agreement                                                                             $125.83
                                                                                                              ------------------

            g  Total amount of funds deposited into the Collection Account pursuant to Section 5.05(b)           $83,263,423.40
                                                                                                              ------------------
                (the sum of a. through g.)

          2 The amount of funds permitted to be withdrawn from the Collection Account pursuant to
            clauses (i) through (iv) of Section 7.03(a) of the Sale and Servicing Agreement with
            respect to related Due Period                                                                           $202,044.73
                                                                                                              ------------------

            a  Amounts to be paid to the Servicer as the Reimbursement Amount in accordance with
               Section 7.02 of the Sale and Servicing Agreement                                                      $51,220.02
                                                                                                              ------------------

            b  Amounts to be paid to the Servicer in respect to the Servicing Fee for the related Due
               Period                                                                                               $150,824.71
                                                                                                              ------------------

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

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

            e  Total amount of funds permitted to be withdrawn from the Collection Account pursuant
               to clauses (i) through (iv) Section 7.03(a) of the Sale and Servicing Agreement
               with respect to the related Due Period (sum of a. through d.)                                        $202,044.73
                                                                                                              ------------------

          3 The Available Amounts (not including amounts from Reserve Fund Account) for such
            Distribution Date available to pay Note Distributable Amounts and Certificate
            Distributable Amounts                                                                                $83,061,378.67
                                                                                                              ------------------
             (1(g) minus 2(e))

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

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

                                                                 Page 6 of 9
<PAGE>

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

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

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

P        Interest Earnings on the Reserve Fund.                                                                         $238.80
                                                                                                              ------------------

Q        The amount on deposit in the Reserve Fund after giving effect to deposits and withdrawals
         therefrom on such Distribution Date                                                                              $0.00
                                                                                                              ------------------

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

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

        (b) 1.00% of the Aggregate Principal Balance as of the Cutoff Date.                                               $0.00
                                                                                                              ------------------

S       The Pool Factor

               Factor immediately Before Factor immediately After
                                    such Distribution Date               such Distribution Date

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

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

               Class A-3 Note     3       0.0000000                    9      0.0000000
                                    ----------------                     ---------------

               Class A-4 Note     4       0.5365278                   10      0.0000000
                                    ----------------                     ---------------

               Class B Note       5       1.0000000                   11      0.0000000
                                    ----------------                     ---------------

               Certificate        6       1.0000000                   12      0.0000000
                                    ----------------                     ---------------

T       Delinquent Contracts

          1 31-60 Days                                                                                    579     $3,565,301.73
                                                                                              ----------------------------------

          2 61-90 Days                                                                                     95       $611,018.78
                                                                                              ----------------------------------

          3 91 or More Days                                                                                28       $225,576.31
                                                                                              ----------------------------------

               Total Delinquent Receivables                                                               702     $4,401,896.82
               61+ Days Delinquencies as Percentage of Receivables                                                        1.11%

               Delinquency Ratio for Second Preceding Collection Period                                                   0.93%
               Delinquency Ratio for Preceding Collection Period                                                          1.08%
               Delinquency Ratio for Current Collection Period                                                            1.11%
               Average Delinquency Ratio               (Reserve Fund Trigger Event >= 2.0%)                               1.04%

                                                              Page 7 of 9
<PAGE>

U      Defaulted Contracts

       1 Total Defaulted Contracts for the Due Period                                                  113          $519,395.12
                                                                                                           ---------------------

       2 Identity (attach)

       3 Liquidation proceeds for the Due Period                                                                    $596,259.48
                                                                                                           ---------------------

       4 Liquidation expenses for the Due Period                                                                     $13,083.91
                                                                                                           ---------------------

       5 Net Liquidation Proceeds for the Due Period                                                                $583,175.57
                                                                                                           ---------------------

       6 Net Liquidation Losses for the Due Period
                                                                                                                   ($63,780.45)
                                                                                                           ---------------------

                Pool Balance at Beginning of Collection Period                                                  $ 82,312,067.40
                Net Loss Ratio for Current Collection Period                                                             -0.93%

                Net Loss Ratio for Second Preceding Collection Period                                                     0.24%
                Net Loss Ratio for Preceding Collection Period                                                           -1.00%
                Net Loss Ratio for Current Collection Period                                                             -0.93%
                Average Net Loss Ratio                 (Reserve Fund Trigger Event >= 2.5%)                              -0.56%
V      Advances

       1 Unreimbursed Advances prior to such Distribution Date                                                       $51,220.02
                                                                                                           ---------------------

       2 Amount paid to Servicer on such Distribution Date to reimburse Servicer for such
         unreimbursed Advances                                                                                       $81,833.72
                                                                                                           ---------------------

       3 Amount of Delinquent Interest for the related Due Period                                                    $30,613.70
                                                                                                           ---------------------

       4 Amount of new Advances on such Distribution Date (if such amount is less than the amount
         of Delinquent Interest, attach the certificate required by Section 7.02 of the Sale and
         Servicing Agreement)                                                                                      ($51,220.02)
                                                                                                           ---------------------

       5 Total of unreimbursed Advances after new Advances on such Distribution Date                                      $0.00
                                                                                                           ---------------------

W      Repurchased Contracts

       1 Number of Contracts to be repurchased pursuant to Section 7.07 of the Sale and Servicing
         Agreement                                                                                                       13,857
                                                                                                           ---------------------

       2 Principal Amount of such Contracts                                                                      $73,772,601.93
                                                                                                           ---------------------

       3 Related Repurchase Price of such Contracts                                                                       $0.00
                                                                                                           ---------------------
Note: Pursuant to Section 7.07 of the Sale and Servicing Agreement, the Certificate Balance
as of the  9/15/03 Distribution Date is less than 10% of the Aggregate Principal Balance as of
the July 1, 2000 Cutoff Date. Items W1 and W2 represent number of contracts and principal balance
as of 9/10/03.

X      Contracts

       1 Number of Contracts as of beginning of Due Period                                                               15,053
                                                                                                           ---------------------

       2 Principal Balance of Contracts as of beginning of Due Period                                            $82,312,067.40
                                                                                                           ---------------------

       3 The weighted average Contract Rate of the Contracts as of the beginning of the Due Period                       12.07%
                                                                                                           ---------------------

       4 The weighted average remaining term to maturity of the Contracts as of the beginning of the
         Due Period                                                                                                       20.71
                                                                                                           ---------------------

       5 Number of Contracts as of end of Due Period                                                                     14,128
                                                                                                           ---------------------

       6 Principal Balance of Contracts as of end of Due Period                                                  $75,462,694.32
                                                                                                           ---------------------

       7 The weighted average Contract Rate of the Contracts as of the end of the Due Period                             12.11%
                                                                                                           ---------------------

       8 The weighted average remaining term to maturity of the Contracts as of the end of the
         Due Period                                                                                                       20.09
                                                                                                           ---------------------
</TABLE>

                                                             Page 8 of 9
<PAGE>

                                Net Loss Addendum

For the Period Ending August 31, 2003          Reported          Actual*
Servicing Report Dated September 15, 2003        8K               Loss
                                               --------          -------
Net Loss Ratio for Current Month                -0.93%             1.96%
Net Loss Ratio for Previous Month               -1.00%             4.28%
Net Loss Ratio for 2nd Previous Month            0.24%             5.03%
Net Loss Ratio Three Month Average              -0.56%             3.76%

                       Section "U" of Servicer Certificate

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

1)   when the servicer deems the contract uncollectible;
2)   if the financed vehicle is not repossessed, during the month when 5% or
     more of an installment due under the contract becomes more than 120 days
     past due;
3)   if the financed vehicle is repossessed, when all sale proceeds, insurance
     claims and refunds of financed insurance policies and extended warranties
     have been received; or
4)   when an obligor files for bankruptcy and the servicer determines that its
     loss is known.

The definition of a Defaulted Contract in the DART 2000-1 Sale And Servicing
Agreement states:
      "Defaulted Contract" means a Contract with respect to which there has
      occurred one or more of the following: (i) all or part of a scheduled
      payment under the Contract is 120 days or more than 120 days past due and
      the Servicer has not repossessed the related Financed Vehicle, (ii) the
      Servicer, has in accordance with its customary servicing procedures,
      determined that eventual payment in full is unlikely and has either
      repossessed and liquidated the related Financed Vehicle or repossessed and
      held the related Financed Vehicle in its repossessed inventory for 90
      days, whichever occurs first; provided, however, in no event shall the
      period of time referred to in clauses (i) or (ii) extend for a combined
      period of longer than 120 days, or (iii) the relevant Obligor has suffered
      an Insolvency Event.

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

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

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

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

                                   Page 9 of 9

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