Document:

<PAGE>

                                                                EXHIBIT 4(f)(47)

                             CONTRIBUTION AGREEMENT

         This CONTRIBUTION AGREEMENT, dated as of June 27, 2003 (the
"Agreement"), is made between CREDIT ACCEPTANCE CORPORATION, a Michigan
corporation ("CAC") and CREDIT ACCEPTANCE FUNDING LLC 2003-1, a Delaware limited
liability company ("Funding").

         Funding desires to acquire from time to time certain Dealer Loans and
related rights and collateral, including certain of CAC's rights in the Dealer
Agreements related thereto, all of the related Contracts, and the Collections
(other than Dealer Collections) derived therefrom during the full term of this
Agreement, and CAC desires to transfer, convey and assign from time to time such
Dealer Loans and related property to the Purchaser upon the terms and conditions
hereinafter set forth. CAC has also agreed to service the Dealer Loans and
related property to be transferred, conveyed and assigned to Funding.

         In consideration of the premises and the mutual agreements set forth
herein, it is hereby agreed by and between CAC and Funding as follows:

                                    ARTICLE I
                                   DEFINITIONS

         SECTION 1.1. Definitions. Capitalized terms used herein shall have the
respective meanings specified herein or, if not so specified, the respective
meanings specified in, or incorporated by reference into, the Sale and Servicing
Agreement, and shall include in the singular number the plural and in the plural
number the singular:

         "Applicable Pool Cap" means the maximum number of Contracts that could,
under the applicable Dealer Agreement, be allocated to a pool of Contracts that
support advances which advances, when taken together, constitute a Dealer Loan.

         "Contributed Property" means the Initial Contributed Property and the
Subsequent Contributed Property.

         "Initial Contributed Property" means (i) the Dealer Loans listed on
Schedule A hereto delivered to the Servicer, the Class A Insurer, the Backup
Servicer and the Trust Collateral Agent on the Closing Date and (ii) all Related
Security with respect thereto.

         "Related Security" means, with respect to any Dealer Loans, (i) all
rights under the Dealer Agreements related thereto (other than the Excluded
Dealer Agreement Rights), including Credit Acceptance's right to service the
Dealer Loans and the related Contracts and receive the related collection fee
and receive reimbursement of certain recovery and repossession expenses, in
accordance with the terms of the Dealer Agreements; (ii) Collections (other than
Dealer Collections) after the applicable Cut-off Date; (iii) a security interest
in each Contract securing such Dealer Loan; (iv) all records and documents
relating to such Dealer Loans and the Contracts; (vi) all security interests
purporting to secure payment of such Dealer Loans; (vii) all security interests
purporting to secure payment of each Contract (including a security interest in

<PAGE>

each Financed Vehicle); (viii) all guarantees, insurance (including insurance
insuring the priority or perfection of any Contract) or other agreements or
arrangements securing the Contracts; and (ix) all Proceeds of the foregoing. For
the avoidance of doubt, the term "Related Security" with respect to any Dealer
Loan includes all rights arising after the end of the Revolving Period under
such Dealer Loans which rights are attributable to advances made under such
Dealer Loans as the result of Contracts being added after the last day of the
last full Collection Period during the Revolving Period to the identifiable
group of Contracts to which such Dealer Loan relates.

         "Sale and Servicing Agreement" shall mean the Sale and Servicing
Agreement dated as of June 27, 2003 among CAC, Funding, Credit Acceptance Auto
Dealer Loan Trust 2003-1, as the Issuer, JPMorgan Chase Bank as the Trust
Collateral Agent and Indenture Trustee, and Systems & Services Technologies,
Inc., as the Backup Servicer.

         "Subsequent Contributed Property" means, with respect to any
Distribution Date, (i) the Dealer Loans added to Schedule A hereto as of such
Distribution Date and (ii) all Related Security with respect thereto.

         SECTION 1.2. Other Terms. All accounting terms not specifically defined
herein shall be construed in accordance with GAAP. All terms used in Article 9
of the UCC, and not specifically defined herein, are used herein as defined in
such Article 9.

         SECTION 1.3. Computation of Time Periods. Unless otherwise stated in
this Agreement, in the computation of a period of time from a specified date to
a later specified date, the word "from" means "from and including" and the words
"to" and "until" each means "to but excluding."

                                   ARTICLE II
                      CONTRIBUTION AND SALE OF DEALER LOANS

         SECTION 2.1 Contribution and Sale of Dealer Loans. (a) In consideration
of the payments described in Section 3.1, effective as of the Closing Date, CAC
does hereby convey, assign, sell and transfer without recourse, except as set
forth herein, to Funding all of its right, title and interest in and to the
Initial Contributed Property.

         (b)      CAC hereby further agrees that on each Distribution Date
during the Revolving Period, in consideration of the payment described in
Section 3.1 with respect to such Distribution Date, CAC shall, and CAC does
hereby agree to, convey, assign, sell and transfer without recourse, except as
set forth in this Agreement, to Funding all of its right, title and interest in
and to the Subsequent Contributed Property with respect to such Distribution
Date.

         (c)      CAC hereby further agrees that the above-described conveyances
shall, without the need for any further action on the part of CAC or Funding,
include all rights arising after the end of the Revolving Period under any
Dealer Loan included in the Initial Contributed Property or Subsequent
Contributed Property which rights are attributable to advances made under such
Dealer Loans as the result of Contracts being added after the last day of the
last full Collection

                                        2

<PAGE>

Period during the Revolving Period to the identifiable group of Contracts to
which such Dealer Loan relates.

         (d)      Each such sale, assignment, transfer and conveyance does not
constitute an assumption by Funding of any obligations of CAC or any other
Person to Obligors or to any other Person in connection with the Dealer Loans or
under any Contract, Dealer Agreement or other agreement and instrument relating
to the Dealer Loans.

         (e)      In connection with any such foregoing conveyance, CAC agrees
to record and file on or prior to the Closing Date, at its own expense, a
financing statement or statements with respect to the Contributed Property
conveyed by CAC hereunder meeting the requirements of applicable state law in
such manner and in such jurisdictions as are necessary to perfect the interests
of Funding created hereby, and to deliver either the originals of such financing
statements or a file-stamped copy of such financing statements or other evidence
of such filings to Funding on the Closing Date.

         (f)      CAC agrees that from time to time, at its expense, it will
promptly execute and deliver all instruments and documents and take all actions
as may be necessary or as Funding may reasonably request in order to perfect or
protect the interest of Funding in the Dealer Loans and other Contributed
Property purchased hereunder or to enable Funding to exercise or enforce any of
its rights hereunder. CAC shall, upon request of Funding, obtain such additional
search reports as Funding shall request. To the fullest extent permitted by
applicable law, Funding shall be authorized and permitted to file continuation
statements and amendments to financing statements and assignments thereof to
preserve and protect its right, title and interest in, to and under the
Contributed Property.

         (g)      It is the express intent of CAC and Funding that the
conveyance of the Dealer Loans and other Contributed Property by CAC to Funding
pursuant to this Agreement be construed as an absolute sale and contribution of
such Dealer Loans and other Contributed Property by CAC to Funding. Further, it
is not the intention of CAC and Funding that such conveyance be deemed a grant
of a security interest in the Dealer Loans and other Contributed Property by CAC
to Funding in the nature of a consensual lien securing an obligation. However,
in the event that, notwithstanding the express intent of the parties, the Dealer
Loans and other Contributed Property are construed to constitute property of
CAC, then (i) this Agreement also shall be deemed to be, and hereby is, a
security agreement within the meaning of the UCC as enacted in the State of
Michigan; and (ii) the conveyance by CAC provided for in this Agreement shall be
deemed to be, and CAC hereby grants to Funding, a security interest in, to and
under all of CAC's right, title and interest in, to and under the Contributed
Property, to secure the rights of Funding set forth in this Agreement or as may
be determined in connection therewith by applicable law. CAC and Funding shall,
to the extent consistent with this Agreement, take such actions as may be
necessary to ensure that, if this Agreement were deemed to create such a
security interest in the Dealer Loans and other Contributed Property, such
security interest would be a perfected security interest in favor of Funding
under applicable law and will be maintained as such throughout the term of this
Agreement.

                                        3

<PAGE>

         (h)      In connection with such conveyance, CAC agrees to deliver to
Funding on the Closing Date, one or more computer files or microfiche lists
containing true and complete lists of all Dealer Agreements and Dealer Loans
conveyed to Funding on the Closing Date, and all Contracts securing all such
Dealer Loans, identified by account number, dealer number and pool number. Such
file or list shall be marked as Exhibit A to this Agreement, shall be delivered
to Funding as confidential and proprietary, and is hereby incorporated into and
made a part of this Agreement. Such list and such Exhibit A shall be
supplemented and updated by lists delivered by CAC to Funding on each
Distribution Date in the Revolving Period describing all Contributed Property
conveyed on each such Distribution Date so that, on each such date, Funding will
have an aggregate list and Exhibit A that describes all Dealer Loans conveyed by
CAC to Funding hereunder on or prior to said Distribution Date and the related
Dealer Agreements.

         (i)      CAC will reflect the transactions described in paragraph (a)
of this Section 2.01 on its internal non-consolidated financial statements and
on its non-consolidated state tax returns as a sale or other absolute transfer
of the Dealer Loans from CAC to Funding, even though CAC will reflect this
transaction on its consolidated financial statements as an "on-balance sheet"
item in accordance with generally accepted accounting principles. CAC will
present the data in its consolidated financial statements with an accompanying
footnote describing Funding's separate existence and stating that such item is a
financing secured by the Dealer Loans and is non-recourse to CAC.

         SECTION 2.2. Servicing of Dealer Loans. The servicing, administering
and collection of the Dealer Loans shall be conducted by the Servicer then
authorized to act as such under the Sale and Servicing Agreement.

                                   ARTICLE III
                            CONSIDERATION AND PAYMENT

         SECTION 3.1. Consideration. The consideration for the Dealer Loans and
other Contributed Property conveyed on the Closing Date to Funding by CAC under
this Agreement shall be an amount equal to the net cash proceeds received by
Funding arising out of its conveyance on the Closing Date of Contributed
Property to the Issuer under the Sale and Servicing Agreement, plus 100% of the
sole membership interest in Funding. Thereafter, on each Distribution Date in
the Revolving Period, the consideration for the Dealer Loans and other
Contributed Property conveyed on such Distribution Date will be cash in the
amount of the Aggregate Outstanding Net Eligible Loan Balance of such Dealer
Loans. The Contributed Property shall be deemed to have a value equal to the
aggregate principal amount of the Dealer Loans sold and contributed by CAC to
Funding.

         SECTION 3.2. Membership Interest. The membership interest of CAC in
Funding shall arise on the Closing Date. Such membership interest may not be
sold or otherwise transferred by CAC except as otherwise permitted in the Sale
and Servicing Agreement.

                                        4

<PAGE>

                                   ARTICLE IV
                         REPRESENTATIONS AND WARRANTIES

         SECTION 4.1. Representations and Warranties. CAC represents and
warrants to Funding, as of the Closing Date and each Distribution Date during
the Revolving Period, that:

         (a)      Organization and Good Standing. CAC is duly organized and is
validly existing as a corporation in good standing under the laws of the State
of Michigan, with power and authority to own its properties and to conduct its
business as such properties are currently owned and such business is presently
conducted, and has and had at all relevant times, full power, authority, and
legal right to acquire, own, sell, and service the Dealer Loans and the related
Contracts, and to perform its obligations under the Basic Documents.

         (b)      Due Qualification. CAC is duly qualified to do business as a
foreign corporation in good standing, and has obtained all necessary licenses
and approvals in all jurisdictions in which the ownership or lease of property
or the conduct of its business, including the servicing of the Dealer Loans and
the related Contracts as required by this Agreement, requires such
qualifications except where such failure will not have a material adverse
effect.

         (c)      Power and Authority. CAC has the power and authority to
execute and deliver this Agreement and the other Basic Documents to which it is
a party and to carry out their respective terms; and the execution, delivery,
and performance of this Agreement and the other Basic Documents to which it is a
party have been duly authorized by CAC by all necessary corporate action.

         (d)      Valid Sale; Binding Obligations. This Agreement evidences a
valid sale, transfer, and assignment of the Contributed Property enforceable
against creditors of and purchasers from CAC; and this Agreement and the other
Basic Documents to which CAC is a party constitute legal, valid and binding
obligations of CAC enforceable in accordance with their terms, subject to the
effects of bankruptcy, insolvency, reorganization, or other similar laws
affecting the enforcement of creditors' rights generally and to general
principles of equity.

         (e)      No Violation. The consummation of the transactions
contemplated by this Agreement and the other Basic Documents to which it is a
party and the fulfillment of the terms hereof and thereof do not conflict with,
result in any breach of any of the terms and provisions of, or constitute (with
or without notice or lapse of time) a default under, the Articles of
Incorporation or by-laws of CAC, or any indenture, agreement, or other
instrument to which CAC is a party or by which it is or may be bound; nor result
in the creation or imposition of any Lien upon any of its properties pursuant to
the terms of any such indenture, agreement (other than this Agreement), or other
instrument; or violate any law or, to the best of CAC's knowledge, any order,
rule, or regulation applicable to CAC of any court or of any federal or state
regulatory body, administrative agency, or other governmental instrumentality
having jurisdiction over CAC or its properties.

         (f)      No Proceedings. There are no proceedings or investigations
pending, or to CAC's best knowledge threatened, before any court, regulatory
body, administrative agency, or other governmental instrumentality having
jurisdiction over CAC or its properties: A) asserting the invalidity of this
Agreement or any other Basic Document to which it is a party; B) seeking to

                                        5

<PAGE>

prevent the consummation of any of the transactions contemplated by this
Agreement or any other Basic Document to which it is a party; or C) seeking any
determination or ruling that might materially and adversely affect the
performance by CAC of its obligations under, or the validity or enforceability
of, this Agreement, or any other Basic Document to which it is a party.

         (g)      Place of Business. The principal place of business and chief
executive office of CAC is in Southfield, Michigan, and the office where CAC
keeps all of its Records is at the address listed in Section 8.3, or such other
locations notified to Funding and the Trust Collateral Agent in accordance with
this Agreement in jurisdictions where all action required by the terms of this
Agreement has been taken and completed.

         (h)      Eligibility of Dealer Agreements. Each Dealer Agreement
classified as an "Eligible Dealer Agreement" (or included in any aggregation of
balances of "Eligible Dealer Agreements") by CAC in any document or report
delivered hereunder satisfied the requirements contained in the definition of
Eligible Dealer Agreement on the date so delivered.

         (i)      Eligibility of Dealer Loans. Each Dealer Loan classified as an
"Eligible Loan" (or included in any aggregation of balances of "Eligible Loans")
by CAC in any document or report delivered hereunder satisfied the requirements
contained in the definition of Eligible Loan on the date so delivered. Each
Dealer Loan represents, or will represent, a non-recourse obligation of a Dealer
with respect to advances related to a pool of Contracts, and CAC has, and will
maintain, a policy that each such pool will have Contracts allocated to it (as
generated by relevant Dealer) until the number of Contracts in such pool reaches
the Applicable Pool Cap. The Applicable Pool Cap for each Dealer Loan will equal
or exceed 75.

         (j)      Eligibility of Contracts. Each Contract classified as an
"Eligible Contract" (or included in any aggregation of balances of "Eligible
Contracts") by CAC in any document or report delivered hereunder satisfied the
requirements contained in the definition of Eligible Contract on the date so
delivered.

         (k)      Accuracy of Information. All information with respect to the
Dealer Loans and other Contributed Property provided to Funding hereunder by CAC
was true and correct in all material respects as of the date such information
was provided to Funding and did not omit to state any material facts necessary
to make the statements contained therein not misleading.

         (l)      No Liens. Each Dealer Loan and the other Contributed Property
has been pledged to Funding free and clear of any Lien of any Person, and in
compliance, in all material respects, with all Applicable Laws.

         (m)      No Consents. With respect to each Dealer Loan and the other
Contributed Property, all consents, licenses, approvals or authorizations of or
registrations or declarations with any Governmental Authority required to be
obtained, effected or given by CAC, in connection with the pledge of such
Contributed Property to Funding have been duly obtained, effected or given and
are in full force and effect.

                                        6

<PAGE>

         (n)      Schedule A. Schedule A to this Agreement and each supplement
or addendum thereto is and will be an accurate and complete listing of all
Dealer Loans and the related Dealer Agreements and Contracts in all material
respects on the date each such Dealer Loan was sold to Funding hereunder, and
the information contained therein is and will be true and correct in all
material respects as of such date.

         (o)      Adverse Selection. No selection procedure believed by CAC to
be adverse to the interests of Funding has been or will be used in selecting the
Dealer Agreements, Dealer Loans or Contracts.

         (p)      Contribution Agreement. This Contribution Agreement is the
only agreement pursuant to which Funding purchases Dealer Loans from CAC.

         (q)      Security Interest. CAC has granted a security interest (as
defined in the UCC as enacted in the State of Michigan) to Funding in the
Contributed Property, which is enforceable in accordance with Applicable Law
upon the Closing Date. Upon the filing of UCC-1 financing statements naming
Funding as secured party and CAC as debtor, Funding shall have a first priority
perfected security interest in the Contributed Property. All filings (including,
without limitation, UCC filings) as are necessary in any jurisdiction to perfect
the interest of Funding have been made.

         (r)      Credit Score. The weighted average (based on Contract
principal balance) of the Final Scores of each "Contract Group" is 630 or
greater. A "Contract Group" is a group of Contracts related to a group of Dealer
Loans that becomes Contributed Property on the Closing Date or on a particular
Distribution Date during the Revolving Period.

         (s)      Use of Proceeds. No proceeds of any sale of Contributed
Property will be used (i) for a purpose that violates, or would be inconsistent
with, Regulation T, U or X promulgated by the Board of Governors of the Federal
Reserve System from time to time or (ii) to acquire any security in any
transaction which is subject to Section 12, 13 or 14 of the Securities Exchange
Act of 1934, as amended.

         (t)      Taxes. CAC has filed on or before their respective due dates,
all tax returns which are required to be filed in any jurisdiction or has
obtained extensions for filing such tax returns and has paid all taxes,
assessments, fees and other governmental charges against CAC or any of its
properties, income or franchises, to the extent that such taxes have become due,
other than any taxes or assessments, the validity of which are being contested
in good faith by appropriate proceedings and with respect to which adequate
provision has been made on the books of the Seller as may be required by GAAP.
To the best of the knowledge of CAC, all such tax returns were true and correct
in all material respects and CAC knows of any proposed material additional tax
assessment against it nor any basis therefor. Any taxes, assessments, fees and
other governmental charges payable by CAC in connection with the execution and
delivery of the Basic Documents and the issuance of the Class A Notes have been
paid or shall have been paid at or prior to Closing Date.

                                        7

<PAGE>

         (u)      Consolidated Returns. CAC, the Seller and the Issuer are
members of an affiliated group within the meaning of Section 1504 of the
Internal Revenue Code which will file a consolidated federal income tax return
at all times until the termination of the Basic Documents.

         (v)      ERISA. CAC is in compliance in all material respects with the
Employee Retirement Income Security Act of 1974, as amended.

         (w)      Compliance with Laws. CAC has complied in all material
respects with all applicable, laws, rules, regulations, orders, writs,
judgments, injunctions, decrees or awards to which it may be subject.

         (x)      Material Adverse Change. Since the date of its formation, no
event has occurred that would have a material adverse effect on (i) the
financial condition or operations of CAC, (ii) the ability of CAC to perform its
obligations under the Basic Documents, or (ii) the collectibility of the Dealer
Loans generally or any material portion of the Dealer Loans.

         (y)      Solvency; Fraudulent Conveyance. CAC is solvent, is able to
pay its debts as they become due and will not be rendered insolvent by the
transactions contemplated by the Basic Documents and, after giving effect
thereto, will not be left with an unreasonably small amount of capital with
which to engage in its business. CAC does not intend to incur, or believes that
it has incurred, debts beyond its ability to pay such debts as they mature. CAC
does not contemplate the commencement of insolvency, bankruptcy, liquidation or
consolidation proceedings or the appointment of a receiver, liquidator,
conservator, trustee or similar official or any of its assets. The amount of
consideration being received by CAC upon the sale or other absolute transfer of
the Contributed Property to Funding constitutes reasonably equivalent value and
fair consideration for the Contributed Property. CAC is not transferring the
Contributed Property to Funding with any intent to hinder, deal or defraud any
of its creditors.

         (z)      Voidability. The transfers of Contributed Property made
hereunder were not made for or on account of an antecedent debt. No transfer by
CAC of any Contributed Property hereunder is or may be voidable under any
section of the Bankruptcy Code.

         (aa)     Investment Company. CAC is not an investment company which is
required to register under the Investment Company Act of 1940, as amended.

         (bb)     Perfection. The perfection representations, warranties and
covenants made by CAC and set forth on Schedule A hereto shall be a part of this
Agreement for all purposes.

         SECTION 4.2. Reaffirmation of Representations and Warranties by CAC;
Notice of Breach. The representations and warranties set forth in Section 4.1
shall survive the conveyance of the Dealer Loans to Funding, and termination of
the rights and obligations of Funding and CAC under this Agreement. Upon
discovery by Funding or CAC of a breach of any of the foregoing representations
and warranties, the party discovering such breach shall give prompt written
notice to the other within three Business Days of such discovery.

                                        8

<PAGE>

                                    ARTICLE V
                        COVENANTS OF CAC AND THE SERVICER

         SECTION 5.1. Affirmative Covenants. So long as this Agreement is in
effect, and until all Dealer Loans which have been conveyed to Funding pursuant
hereto shall have been paid in full or written-off as uncollectible, and all
amounts owed by CAC pursuant to this Agreement have been paid in full, unless
Funding otherwise consents in writing, CAC hereby covenants and agrees as
follows:

         (a)      Compliance with Law. CAC will comply in all material respects
with all Applicable Laws.

         (b)      Preservation of Existence. CAC will preserve and maintain its
existence, rights, franchises and privileges in the jurisdiction of its
formation, and qualify and remain qualified in good standing as a foreign
corporation in each jurisdiction where the failure to preserve and maintain such
existence, rights, franchises, privileges and qualification has had, or could
reasonably be expected to have, a material adverse effect on the Contributed
Property.

         (c)      Obligations and Compliance with Dealer Loans and Dealer
Agreements. CAC will duly fulfill and comply with all obligations on the part of
CAC to be fulfilled or complied with under or in connection with each Dealer
Loan and each Dealer Agreement and will do nothing to impair the rights of
Funding in, to and under the Contributed Property.

         (d)      Keeping of Records and Books of Account. CAC will maintain and
implement administrative and operating procedures (including without limitation,
an ability to recreate records evidencing the Dealer Loans and the Contracts in
the event of the destruction of the originals thereof), and keep and maintain
all documents, books, records and other information reasonably necessary or
advisable for the collection of all Dealer Loans, or it will cause the Servicer
to do so.

         (e)      Preservation of Security Interest. CAC will file such
financing and continuation statements and any other documents that may be
required by any law or regulation of any Governmental Authority to preserve and
perfect the security interest of Funding in, to and under the Contributed
Property. CAC will maintain possession of the Dealer Agreements and the Contract
Files and Records, as custodian for the Trust and the Trust Collateral Agent, as
set forth in Section 3.03(a) of the Sale and Servicing Agreement. CAC, as
Servicer, will comply with its covenants under Sections 4.06(a)(vii) and
4.06(a)(viii) of the Sale and Servicing Agreement.

         (f)      Collection Guidelines. As long as it is the Servicer, CAC will
(A) comply in all material respects with the Collection Guidelines in regard to
each Dealer Loan and Contract, and (B) furnish to Funding quarterly, prompt
notice of any change in the Collection Guidelines and will deliver a copy of
such changes to Funding, quarterly.

         (g)      Separateness. CAC will take such actions that are required on
its part to be performed to cause (i) Funding to be in compliance, at all
relevant times, with Sections 6.01(xviii) and 6.04 of the Sale and Servicing
Agreement, and (ii) all factual assumptions set

                                        9

<PAGE>

forth in the opinion letters delivered by Dykema Gossett PLLC with respect to
certain bankruptcy matters under the Sale and Servicing Agreement to remain true
at all relevant times.

         SECTION 5.2. Negative Covenants. During the term of this Agreement,
unless Funding shall otherwise consent in writing:

         (a)      Change of Name or Location of Records. CAC shall not (A)
change its name or its state of organization, move the location of its principal
place of business and chief executive office, and the offices where it keeps
records concerning the Dealer Loans from the location referred to in Section
3.03(c) of the Sale and Servicing Agreement, or (B) move the Records from the
location thereof on the Closing Date, unless CAC or the Servicer has given at
least thirty (30) days' written notice to Funding and has taken all actions
required under the UCC of each relevant jurisdiction in order to continue the
first priority perfected security interest of Funding in the Contributed
Property.

         (b)      Change in Payment Instructions to Obligors. CAC will not make
any change in its instructions to Obligors regarding payments to be made
directly or indirectly, unless such change is permitted under the Sale and
Servicing Agreement and Funding have each consented to such change and have
received duly executed documentation related thereto.

         (c)      No Instruments. CAC shall take no action to cause any Dealer
Loan to be evidenced by any instrument (as defined in the UCC as in effect in
the relevant jurisdictions).

         (d)      No Liens. CAC shall not sell, pledge, assign or transfer to
any other Person, or grant, create, incur, assume or suffer to exist any Lien
(other than in favor of the Trust Collateral Agent or the Trust as specifically
contemplated herein) on, the Contributed Property. CAC shall defend the right,
title and interest of Funding in, to and under the Contributed Property against
all claims of third parties claiming through or under CAC.

         (e)      Credit Guidelines and Collection Guidelines. CAC will not
amend, modify, restate or replace, in whole or in part, the Credit Guidelines or
Collection Guidelines, which change would impair the collectibility of any
Dealer Loan or Contract or otherwise adversely affect the interests or the
remedies of Funding under this Agreement or any other Basic Document, unless
such change is permitted under the Sale and Servicing Agreement and unless CAC
obtains the prior written consent of Funding.

         (f)      Release of Contracts. Except for a release to an insurer in
exchange for insurance proceeds paid by such insurer resulting from a claim for
the total insured value of a vehicle, neither CAC nor the Servicer shall release
the Financed Vehicle securing each such Contract from the security interest
granted by such Contract in whole or in part except in the event of payment in
full by or on behalf of the Obligor thereunder or repossession, nor shall CAC
impair the rights of Funding in the Contracts, except as may be required by
applicable law.

         (g)      Change in Structure. CAC shall not change its jurisdiction of
organization or merge or consolidate with and into any other entity or otherwise
change its name, corporate structure or tax identification number or its
location (within the meaning of the UCC) unless (i)

                                       10

<PAGE>

Funding shall have received at least thirty (30) days advance written notice of
such change and CAC has taken all action necessary or appropriate to perfect or
maintain the perfection of Funding's interest in the Contributed Property
(including, without limitation, the filing of all financing statements and the
taking of such other action as Funding or its assigns may request in connection
with such change); (ii) in the event of a merger or consolidation, (x) if CAC is
then Servicer, such merger or consolidation satisfies all conditions in Section
7.03 of the Sale and Servicing Agreement and, (y) if CAC is not the surviving
entity, the surviving entity shall have executed an agreement of assumption
acceptable to Funding and the Class A Insurer to perform every obligation of CAC
under this Agreement and the other Basic Documents to which CAC is a party, and
(iv) CAC shall have delivered to Funding, the Indenture Trustee and the Class A
Insurer an opinion of counsel confirming that the security interest created
hereunder remains perfected and of first priority, subject only to such
limitations and qualifications as are contained in the opinions of Dykema
Gossett PLLC delivered on the Closing Date or are otherwise consented to by the
addressees of such opinion.

         SECTION 5.3 Indemnities by CAC.

         (a)      Without limiting any other rights that any such Person may
have hereunder or under Applicable Law, CAC hereby agrees to indemnify Funding,
or its assignee, and each of their respective Affiliates and officers,
directors, employees and agents thereof (collectively, the "Indemnified
Parties"), forthwith on demand, from and against any and all damages, losses,
claims, liabilities and related costs and expenses, including attorneys' fees
and disbursements (all of the foregoing being collectively referred to as the
"Indemnified Amounts") awarded against or incurred by such Indemnified Party
arising out of or as a result of this Agreement or in respect of any Dealer Loan
or any Contract, excluding, however, (a) Indemnified Amounts to the extent
resulting from gross negligence or willful misconduct on the part of such
Indemnified Party or (b) Indemnified Amounts that arise as a result of
non-payment of Dealer Loans due to credit problems of Dealers or Obligors. If
CAC has made any indemnity payment pursuant to this Section 5.3 and such payment
fully indemnified the recipient thereof and the recipient thereafter collects
any payments from others in respect of such Indemnified Amounts then, the
recipient shall repay to CAC an amount equal to the amount it has collected from
others in respect of such indemnified amounts. Without limiting the foregoing,
CAC shall indemnify each Indemnified Party for Indemnified Amounts relating to
or resulting from:

                  (i) any Contract or Dealer Loan treated as or represented by
CAC to be an Eligible Contract or Eligible Loan that is not at the applicable
time an Eligible Contract or Eligible Loan;

                  (ii) reliance on any representation or warranty made or deemed
made by CAC or any of its officers under or in connection with this Agreement,
which shall have been false or incorrect in any material respect when made or
deemed made or delivered;

                  (iii) the failure by CAC to comply with any term, provision or
covenant contained in this Agreement or any agreement executed in connection
with this Agreement, or with any Applicable Law, with respect to any Dealer
Loan, Dealer Agreement, any Contract, or

                                       11

<PAGE>

the nonconformity of any Dealer Loan, Dealer Agreement or Contract with any such
Applicable Law;

                  (iv) the failure to vest and maintain vested in Funding, or
its assignees, a first priority perfected security interest in the Contributed
Property, free and clear of any Lien;

                  (v) the failure to file, or any delay in filing, financing
statements or other similar instruments or documents under the UCC of any
applicable jurisdiction or other Applicable Laws with respect to the Contributed
Property, whether at the time of the Closing or at any subsequent time;

                  (vi) any dispute, claim, offset or defense (other than the
discharge in bankruptcy of the Dealer or Obligor) of the relevant Dealer or
Obligor to the payment of any Dealer Loan or Contract (including, without
limitation, a defense based on such Dealer Loan or Contract not being a legal,
valid and binding obligation of such Obligor enforceable against it in
accordance with its terms);

                  (v) any failure of CAC to perform its duties or obligations in
accordance with the provisions of this Agreement or any failure by CAC to
perform its respective duties under the Dealer Loans;

                  (vi) the failure by CAC to pay when due any taxes for which
CAC is liable, including without limitation, sales, excise or personal property
taxes payable in connection with the Contributed Property;

                  (vii) the commingling of Collections of the Dealer Loans and
Contracts at any time with other funds;

                  (viii) any investigation, litigation or proceeding related to
this Agreement or in respect of any Dealer Loan or Contract;

                  (ix) the failure by CAC to pay when due any taxes for which
CAC is liable, including without limitation, sales, excise or personal property
taxes payable in connection with the Contributed Property;

                  (x) the failure of CAC, in its individual capacity, or any of
its agents or representatives to remit to the Servicer or the Trust Collateral
Agent Collections of the Dealer Loans and Contracts remitted to CAC, in its
individual capacity, or any such agent or representative; and

                  (xi) the failure of a Contract File to contain the relevant
original Contract.

         Notwithstanding the foregoing, CAC shall have no indemnification
obligation hereunder with respect to any Dealer Loan or Contract in respect of
which CAC shall have paid the Purchase Amount under the Sale and Servicing
Agreement.

                                       12

<PAGE>

         (b)      Any amounts subject to the indemnification provisions of this
Section 5.3 shall be paid by CAC to Funding within five (5) Business Days
following the Funding's demand therefor.

         (c)      The obligations of CAC under this Section 5.3 shall survive
the termination of this Agreement.

                                   ARTICLE VI
                               PAYMENT OBLIGATION

         SECTION 6.1. Mandatory Payments. CAC, in its individual capacity or as
Servicer, as the case may be, shall perform its obligations under Sections 3.02
and 4.07 of the Sale and Servicing Agreement.

         SECTION 6.2. No Recourse. Except as otherwise provided in this Article
VI, the purchase and sale of the Dealer Loans under this Agreement shall be
without recourse to CAC or the Servicer.

                                   ARTICLE VII
                              CONDITIONS PRECEDENT

         SECTION 7.1. Conditions to Funding's Obligations Regarding Dealer
Loans. Consummation of the transactions contemplated hereby on the Closing Date
shall be subject to the satisfaction of the following conditions:

         (a)      All representations and warranties of CAC and the Servicer
contained in this Agreement shall be true and correct on the Closing Date with
the same effect as though such representations and warranties had been made on
such date;

         (b)      With respect to those Dealer Loans contributed on the Closing
Date, all information concerning such Dealer Loans provided to Funding shall be
true and correct in all material respects as of the Closing Date;

         (c)      CAC and the Servicer shall have substantially performed all
other obligations required to be performed by the provisions of this Agreement;

         (d)      CAC shall have filed or caused to be filed, or shall have
delivered for filing, the financing statement(s) required to be filed pursuant
to Section 2.1(b);

         (e)      All corporate and legal proceedings and all instruments in
connection with the transactions contemplated by this Agreement shall be
satisfactory in form and substance to Funding, and Funding shall have received
from CAC copies of all documents (including, without limitation, records of
corporate proceedings) relevant to the transactions herein contemplated as
Funding may reasonably have requested; and

                                       13

<PAGE>

                                  ARTICLE VIII
                            MISCELLANEOUS PROVISIONS

         SECTION 8.1. Amendment. This Agreement and the rights and obligations
of the parties hereunder may not be changed orally, but only by an instrument in
writing signed by Funding and CAC and consented to in writing by the Trust
Collateral Agent.

         SECTION 8.2. Governing Law. This Agreement shall be governed by and
construed in accordance with the laws of the State of Michigan.

         SECTION 8.3. Notices. Except where telephonic instructions or notices
are authorized herein to be given, all notices, demands, instructions and other
communications required or permitted to be given to or made upon any party
hereto shall be in writing and shall be sent by facsimile transmission with a
confirmation of the receipt thereof and shall be deemed to be given for purposes
of this Agreement on the day that the receipt of such facsimile transmission is
confirmed in accordance with the provisions of this Section 8.3. Unless
otherwise specified in a notice sent or delivered in accordance with the
foregoing provisions of this Section, notices, demands, instructions (including
payment instructions) and other communications in writing shall be given to or
made upon the respective parties hereto at their respective addresses and
accounts indicated below, and, in the case of telephonic instructions or
notices, by calling the telephone number or numbers indicated for such party
below:

                                       14

<PAGE>

         (a)      in the case of Funding:

                  Credit Acceptance Funding LLC 2003-1
                  Silver Triangle Building
                  25505 West Twelve Mile Road
                  Southfield, Michigan 48034-8339
                  Attention: James D. Murray, Jr.
                  Telephone: (248) 353-2700 (ext. 884)
                  Telecopy: (248) 827-8542

                  with a copies to:

                  Wachovia Securities, Inc.
                  Asset Backed Finance
                  NC 0610
                  One Wachovia Center
                  301 South College Street
                  Charlotte, North Carolina 28288-0610
                  Attention: Chad Kobos
                  Telephone: (704) 715-1359
                  Telecopy: (704) 383-9106

                  And

                  Radian Asset Assurance, Inc.
                  335 Madison Avenue
                  New York, New York 10017
                  Attention: Chief Risk Officer and Chief Legal Officer

         (b)      in the case of CAC and in the case of the Servicer (for so
long as the Servicer is CAC):

                  Credit Acceptance Corporation
                  Silver Triangle Building
                  25505 West Twelve Mile Road
                  Southfield, Michigan 48034-8339
                  Attention: James D. Murray, Jr.
                  Telephone: (248) 353-2700 (ext. 884)
                  Telecopy: (248) 827-8542

or, as to each party, at such other address as shall be designated by such party
in a written notice to each other party.

         SECTION 8.4. Severability of Provisions. If any one or more of the
covenants, agreements, provisions or terms of this Agreement shall for any
reason whatsoever be held

                                       15

<PAGE>

invalid, then such covenants, agreements, provisions, or terms shall be deemed
severable from the remaining covenants, agreements, provisions, or terms of this
Agreement and shall in no way affect the validity or enforceability of the other
provisions of this Agreement.

         SECTION 8.5. Assignment. This Agreement may not be assigned by the
parties hereto, except that Funding may assign its rights hereunder pursuant to
the Sale and Servicing Agreement to the Trust for the benefit of the Trust, the
Class A Insurer, the Indenture Trustee, the Trust Collateral Agent and the Class
A Noteholders. Funding hereby notifies CAC (and CAC hereby acknowledges) that
Funding, pursuant to the Sale and Servicing Agreement, has assigned its rights
hereunder to the Trust. All rights of Funding hereunder may be exercised by the
Trust or its assignees, to the extent of their respective rights pursuant to
such assignments.

         SECTION 8.6. Further Assurances. Funding, CAC and the Servicer agree to
do and perform, from time to time, any and all acts and to execute any and all
further instruments required or reasonably requested by the other parties in
order to more fully to effect the purposes of this Agreement, including, without
limitation, the execution of any financing statements or continuation statements
or equivalent documents relating to the Dealer Loans for filing under the
provisions of the UCC or other laws of any applicable jurisdiction.

         SECTION 8.7. No Waiver; Cumulative Remedies. No failure to exercise and
no delay in exercising, on the part of Funding, CAC or the Trust Collateral
Agent, any right, remedy, power or privilege hereunder, shall operate as a
waiver thereof; nor shall any single or partial exercise of any right, remedy,
power or privilege hereunder preclude any other or further exercise thereof or
the exercise of any other right, remedy, power or privilege. The rights,
remedies, powers and privileges herein provided are cumulative and not
exhaustive of any rights, remedies, powers and privilege provided by law.

         SECTION 8.8. Counterparts. This Agreement may be executed in two or
more counterparts including telecopy transmission thereof (and by different
parties on separate counterparts), each of which shall be an original, but all
of which together shall constitute one and the same instrument.

         SECTION 8.9. Binding Effect; Third-Party Beneficiaries. This Agreement
shall inure to the benefit of and be binding upon the parties hereto and their
respective successors and permitted assigns. The Trust and the Trust Collateral
Agent on behalf of the Trust, the Class A Noteholders and the Class A Insurer
are intended by the parties hereto to be third-party beneficiaries of this
Agreement.

         SECTION 8.10. Merger and Integration. Except as specifically stated
otherwise herein, this Agreement sets forth the entire understanding of the
parties relating to the subject matter hereof, and all prior understandings,
written or oral, are superseded by this Agreement. This Agreement may not be
modified, amended, waived or supplemented except as provided herein.

         SECTION 8.11. Headings. The headings herein are for purposes of
reference only and shall not otherwise affect the meaning or interpretation of
any provision hereof.

                                       16

<PAGE>

         SECTION 8.12. Exhibits. The schedules and exhibits referred to herein
shall constitute a part of this Agreement and are incorporated into this
Agreement for all purposes.

         SECTION 8.13 Covenant Not to File a Bankruptcy Petition. CAC agrees
that until one year and one day after such time as the Class A Notes issued
under the Indenture are paid in full, it shall not (i) institute the filing of a
bankruptcy petition against Funding or the Trust based upon any claim in its
favor arising hereunder or under the Basic Documents; (ii) file a petition or
consent to a petition seeking relief on behalf of Funding or the Trust under the
Bankruptcy Law; or (iii) consent to the appointment of a receiver, liquidator,
assignee, trustee, sequestrator (or similar official) of Funding or the Trust or
any portion of the property of Funding or the Trust.

                  [remainder of page intentionally left blank]

                                       17

<PAGE>

         IN WITNESS WHEREOF, Funding and CAC each have caused this Contribution
Agreement to be duly executed by their respective officers as of the day and
year first above written.

FUNDING:                          CREDIT ACCEPTANCE FUNDING LLC 2003-1

                                  By: /S/ Douglas W. Busk
                                      -----------------------------------
                                      Name: Douglas W. Busk
                                      Title: VP Finance & Treasurer

                                  Credit Acceptance Funding LLC 2003-1
                                  Silver Triangle Building
                                  25505 West Twelve Mile Road
                                  Southfield, Michigan 48034-8339
                                  Attention: James D. Murray, Jr.
                                  Facsimile No.: (248) 827-8542
                                  Confirmation No.: (248) 353-2400 (ext. 884)

CAC:                              CREDIT ACCEPTANCE CORPORATION

                                  By: /S/ Douglas W. Busk
                                      -----------------------------------
                                      Name: Douglas W. Busk
                                      Title: Chief Financial Officer & Treasurer

                                  Credit Acceptance Corporation
                                  Silver Triangle Building
                                  25505 West Twelve Mile Road
                                  Southfield, Michigan 48034-8339
                                  Attention: James D. Murray, Jr.
                                  Facsimile No. (248) 827-8542
                                  Confirmation No.: (248) 353-2400 (ext. 884)

<PAGE>

                                                                      SCHEDULE A
                                                                              to
                                                          Contribution Agreement

              PERFECTION REPRESENTATIONS, WARRANTIES AND COVENANTS

         In addition to the representations, warranties and covenants contained
in the Agreement, CAC hereby represents, warrants, and covenants to Funding as
follows on the Closing Date and on each Distribution Date on which Funding
purchases Dealer Loans, in each case only with respect to the Contributed
Property conveyed to Funding on such Closing Date or the relevant Distribution
Date:

                                     GENERAL

1.       This Agreement creates a valid and continuing security interest (as
defined in UCC Section 9-102) in the Contributed Property in favor of Funding,
which security interest is prior to all other Liens, and is enforceable as such
as against creditors of and purchasers from and assignees of CAC.

2.       Each Contract constitutes "tangible chattel paper" or a "payment
intangible", within the meaning of UCC Section 9-102. Each Dealer Loan
constitutes a "payment intangible" or a "general intangible" within the meaning
of UCC Section 9-102.

3.       Each Dealer Agreement constitutes either a "general intangible" or
"tangible chattel paper" within the meaning of UCC Section 9-102.

4.       CAC has taken or will take all steps necessary actions with respect to
the Dealer Loans to perfect Funding's security interest in the Dealer Loans and
in the property securing the Dealer Loans.

                                    CREATION

1.       CAC owns and has good and marketable title to the Initial Contributed
Property or Subsequent Contributed Property, as applicable, free and clear of
any Lien, claim or encumbrance of any Person, excepting only liens for taxes,
assessments or similar governmental charges or levies incurred in the ordinary
course of business that are not yet due and payable or as to which any
applicable grace period shall not have expired, or that are being contested in
good faith by proper proceedings and for which adequate reserves have been
established, but only so long as foreclosure with respect to such a lien is not
imminent and the use and value of the property to which the Lien attaches is not
impaired during the pendency of such proceeding.

                                   PERFECTION

1.       CAC has caused or will have caused, within ten days after the effective
date of the Indenture, the filing of all appropriate financing statements in the
proper filing office in the appropriate jurisdictions under applicable law in
order to perfect the contribution and sale of the Contributed Property from the
Originator to the Seller, the transfer and sale of the Seller Property

<PAGE>

from the Seller to the Issuer, and the security interest in the Collateral
granted to the Indenture Trustee under the Indenture.

2.       With respect to Seller Property that constitutes tangible chattel
paper, such tangible chattel paper is in the possession of the Servicer, in its
capacity as custodian for the Trust and the Trust Collateral Agent, and the
Trust Collateral Agent has received a written acknowledgment from the Servicer,
in its capacity as custodian, that it is holding such tangible chattel paper
solely on its behalf and for the benefit of the Trust Collateral Agent, the
Seller, the Trust and the relevant Dealer(s). All financing statements filed or
to be filed against CAC in favor of Funding in connection with this Contribution
Agreement describing the Contributed Property contain a statement to the
following effect: "A purchase of or security interest in any collateral
described in this financing statement will violate the rights of the Secured
Party."

                                    PRIORITY

1.       None of CAC, the Servicer nor Funding has authorized the filing of, or
is aware of any financing statements against either Funding, CAC or the Trust
that includes a description of the Contributed Property and proceeds related
thereto other than any financing statement: (i) relating to the sale of
Contributed Property by the Originator to the Seller under the Contribution
Agreement, (ii) relating to the security interest granted to the Trust under the
Sale and Servicing Agreement, (iii) relating to the security interest granted to
the Indenture Trustee under the Indenture; or (iv) that has been terminated or
amended to reflect a release of the Contributed Property. Other than the
security interest granted to Funding pursuant to this Contribution Agreement,
CAC has not pledged, assigned, sold, granted a security interest in, or
otherwise conveyed any of the Contributed Property.

2.       Neither the Seller, the Originator nor the Trust is aware of any
judgment, ERISA or tax lien filings against either the Seller, the Originator or
the Trust.

3.       None of the tangible chattel paper that constitutes or evidences the
Contracts or the Dealer Agreements has any marks or notations indicating that it
has been pledged, assigned or otherwise conveyed to any Person other than CAC,
the Servicer, Funding, the Trust, a collection agent or the Trust Collateral
Agent.

                     SURVIVAL OF PERFECTION REPRESENTATIONS

1.       Notwithstanding any other provision of this Agreement, the Sale and
Servicing Agreement, the Indenture or any other Basic Document, the Perfection
Representations, Warranties and Covenants contained in this Schedule shall be
continuing, and remain in full force and effect (notwithstanding any replacement
of the Servicer or termination of Servicer's rights to act as such) until such
time as all obligations under the Sale and Servicing Agreement, Contribution
Agreement and the Indenture have been finally and fully paid and performed.

                                    NO WAIVER

1.       The parties hereto: (i) shall not, without obtaining a confirmation of
the then-current rating of the Class A Notes (without giving effect to the Class
A Note Insurance Policy), waive any of the Perfection Representations,
Warranties or Covenants; (ii) shall provide the Rating

<PAGE>

Agency with prompt written notice of any breach of the Perfection
Representations, Warranties or Covenants, and shall not, without obtaining a
confirmation of the then-current rating of the Class A Notes (without giving
effect to the Class A Note Insurance Policy) as determined after any adjustment
or withdrawal of the ratings following notice of such breach) waive a breach of
any of the Perfection Representations, Warranties or Covenants.<PAGE>

                                                                EXHIBIT 4(f)(48)

                           BACKUP SERVICING AGREEMENT

                  BACKUP SERVICING AGREEMENT (the "Agreement"), dated as of June
27, 2003, among SYSTEMS & SERVICES TECHNOLOGIES, INC., a Delaware corporation
(the "Backup Servicer"), RADIAN ASSET ASSURANCE INC., a New York stock insurance
company (the "Class A Insurer"), CREDIT ACCEPTANCE CORPORATION, a Michigan
corporation ("Credit Acceptance" or the "Servicer"), CREDIT ACCEPTANCE FUNDING
LLC 2003-1, a Delaware limited liability company (the "Seller"), CREDIT
ACCEPTANCE AUTO DEALER LOAN TRUST 2003-1, a Delaware statutory trust (the
"Trust" or the "Issuer") and JPMORGAN CHASE BANK, a New York banking
corporation, as trust collateral agent (the "Trust Collateral Agent").

                              W I T N E S S E T H :

                  WHEREAS, Credit Acceptance, the Seller, the Backup Servicer,
the Issuer and the Trust Collateral Agent have entered into a Sale and Servicing
Agreement, dated as of the date hereof (as amended, restated, supplemented or
otherwise modified from time to time, the "Sale and Servicing Agreement");

                  WHEREAS, the parties to the Sale and Servicing Agreement
desire to obtain the services of the Backup Servicer to perform certain
servicing functions and assume certain obligations with respect to the Sale and
Servicing Agreement, all as set forth herein, and the Backup Servicer has agreed
to perform such functions and assume such obligations; and

                  WHEREAS, for its services hereunder and with respect to the
Sale and Servicing Agreement, the Backup Servicer will receive a fee payable as
described herein;

                  NOW THEREFORE, in consideration for the mutual agreements
contained herein and for other good and valuable consideration, the receipt and
adequacy of which are hereby acknowledged, the parties hereto agree as follows:

                                    ARTICLE 1
                                   DEFINITIONS

         SECTION 1.1. Definitions. All capitalized terms not otherwise defined
herein shall have the meanings specified in, or incorporated by reference to,
the Sale and Servicing Agreement. The following terms shall have the meanings
specified below:

                  "Aggregate Basis" means verification of only such aggregated
amounts as are stated in the Servicer's Certificate, and not as to any amount
related to any Dealer Loan or Contract.

                  "Assumption Date" has the meaning specified in Section 2.3(a).

<PAGE>

                  "Backup Servicer Event of Default" has the meaning specified
in Section 4.1.

                  "Backup Servicer's Certificate" has the meaning specified in
Section 2.10.

                  "Backup Servicing Fee" means, as to each Distribution Date,
$4,000; provided, however, that if the Backup Servicer becomes the successor
Servicer, such fee shall no longer be paid.

                  "Continued Errors" has the meaning specified in Section
2.2(c)(iii).

                  "Errors" has the meaning specified in Section 2.2(c)(iii).

                  "Liability" has the meaning specified in Section 2.2(c)(i).

                  "Live Data Files" has the meaning specified in Section 2.6(c).

                  "Material Adverse Change" means any circumstance or event
which in the reasonable judgment of the Class A Insurer (a) may be reasonably
expected to cause a material adverse change to the validity or enforceability of
this Agreement or the Sale and Servicing Agreement, or (b) may be reasonably
expected to materially impair the ability of the Backup Servicer to fulfill its
obligations under this Agreement or the Sale and Servicing Agreement.

                  "Servicer's Data File" has the meaning specified in Section
2.1(a).

                  "Service-Related Activities" means the services and
service-related activities and the servicer-related responsibilities of the
Servicer provided for under the Sale and Servicing Agreement as modified or
eliminated herein with respect to the Backup Servicer.

                  "Servicing Fee" has the meaning given such term in the Sale
and Servicing Agreement.

                  "Successor Backup Servicer" has the meaning specified in
Section 2.4(b).

                  "Third Party" has the meaning specified in Section 2.9(d).

         SECTION 1.2. Usage of Terms. With respect to all terms in this
Agreement, the singular includes the plural and the plural the singular; words
importing any gender include the other gender; references to "writing" include
printing, typing, lithography, and other means of reproducing words in a visible
form; references to agreements and other contractual instruments include all
subsequent amendments thereto or changes therein entered into in accordance with
their respective terms and not prohibited by this Agreement; references to
Persons include their permitted successors and assigns; and the term "including"
means "including without limitation."

         SECTION 1.3. Section References. All section references shall be to
Sections in this Agreement (unless otherwise provided).

                                       2
<PAGE>

                                    ARTICLE 2
                          ADMINISTRATION AND COLLECTION

         SECTION 2.1. Reconciliation of Servicer's Certificate.

                  (a)      No later than 9:00 A.M. New York time on the third
Business Day following the end of each Collection Period, the Servicer shall
send to the Backup Servicer an electronic file, detailing the Collections
received during the prior Collection Period and all other information relating
to the Dealer Loans and the Contracts as may be necessary for the complete and
correct completion of the Servicer's Certificate (the "Servicer's Data File").
Such electronic file shall be in the form and have the specifications as may be
agreed to between the Servicer and the Backup Servicer from time to time. The
Backup Servicer shall, within one (1) day of the receipt thereof, load the
Servicer's Data File and confirm that it is in readable form. If the Backup
Servicer determines that the Servicer's Data File is not in readable form, the
Backup Servicer shall immediately upon discovery thereof notify the Servicer and
the Trust Collateral Agent by telephone, and upon such notification, the
Servicer shall prepare and send a replacement Servicer's Data File to the Backup
Servicer satisfying the Backup Servicer's specifications, for receipt by the
Backup Servicer on the next day.

                  (b)      No later than the end of the second Business Day
prior to each Determination Date, the Servicer shall furnish to the Backup
Servicer the Servicer's Certificate related to the prior Collection Period
together with all other information necessary for preparation of such Servicer's
Certificate and necessary to determine the application of Collections as
provided in the Sale and Servicing Agreement. The Backup Servicer shall review
the information contained in the Servicer's Certificate against the information
on the Servicer's Data File, on an Aggregate Basis. No later than three (3)
Business Days after the Backup Servicer's receipt of each Servicer's
Certificate, the Backup Servicer shall notify the Servicer, the Trust Collateral
Agent, the Indenture Trustee and the Class A Insurer of any inconsistencies
between the Servicer's Certificate and the information contained in the
Servicer's Data File; provided, however, in the absence of a reconciliation, the
Servicer's Certificate shall control for the purpose of calculations and
distributions with respect to the related Distribution Date. If the Backup
Servicer and the Servicer are unable to reconcile discrepancies with respect to
a Servicer's Certificate prior to the related Distribution Date, the Servicer
shall cause a firm of independent accountants, at the Servicer's expense, to
audit the Servicer's Certificate and, prior to the third Business Day, but in no
event later than the fifth calendar day, of the following month, reconcile the
discrepancies. The effect, if any, of such reconciliation shall be reflected in
the Servicer's Certificate for such next Distribution Date. The Backup Servicer
shall only review the information provided by the Servicer in the Servicer's
Certificate and in the Servicer's Data File and its obligation to report any
inconsistencies shall be limited to those determinable from such information.

                  (c)      The Backup Servicer and the Servicer shall attempt to
reconcile any such inconsistencies and/or to furnish any omitted information and
the Servicer shall amend the Servicer's Certificate to reflect the results of
the reconciliation or to include any omitted information.

                                       3
<PAGE>

                  (d)      The Servicer shall provide monthly, or as otherwise
requested, to the Backup Servicer, or its agent, information on the Dealer Loans
and related Contracts sufficient to enable the Backup Servicer to assume the
responsibilities as successor servicer under the Sale and Servicing Agreement
and service and collect the Dealer Loans and related Contracts.

                  (e)      The Servicer shall provide the Backup Servicer with
any and all updates to the master file data layout and copy book information
necessary due to system changes or modifications, which may require changes to
the Backup Servicer's applications necessary to read the Servicer's Data File.

         SECTION 2.2. Review and Verification.

                  (a)      Notwithstanding anything in Section 2.1 to the
contrary, on or before the end of the second Business Day prior to each
Determination Date, the Servicer and the Trust Collateral Agent shall provide
sufficient data to the Backup Servicer to allow the Backup Servicer to review on
an Aggregate Basis the Servicer's Certificate related thereto and determine the
following:

                           (i)      that such Servicer's Certificate is complete
                  on its face;

                           (ii)     that the amounts credited to and withdrawn
                  from the Collection Account and the balance of such account,
                  as set forth in the records of the Trust Collateral Agent are
                  the same as the amount set forth in the Servicer's
                  Certificate; and

                           (iii)    that the amounts credited to and withdrawn
                  from the Reserve Account and the balance of such account, as
                  set forth in the records of the Trust Collateral Agent are the
                  same as the amount set forth in the Servicer's Certificate.

                  (b)      The Backup Servicer shall, on or before the
Determination Date with respect to any Collection Period, verify the Servicer's
Certificate in its entirety, which shall include but not be limited to the
following:

                           (i)      the amount of the related distribution
                  allocable to principal;

                           (ii)     the amount of the related distribution
                  allocable to interest;

                           (iii)    the amount of the related distribution
                  payable out of the Reserve Account;

                           (iv)     the Aggregate Outstanding Net Eligible Loan
                  Balance, the Aggregate Outstanding Eligible Loan Balance and
                  the aggregate Outstanding Balance of all Eligible Contracts as
                  of the close of business on the last day of the preceding
                  Collection Period;

                           (v)      the Class A Note Balance and the pool
                  factor;

                                       4
<PAGE>

                           (vi)     the amount of the Servicing Fee paid to the
                  Servicer with respect to the related Collection Period and/or
                  due but unpaid with respect to such Collection Period or prior
                  Collection Periods, as the case may be;

                           (vii)    the Class A Interest Carryover Shortfall, if
                  any;

                           (viii)   the total amount of Collections for the
                  related Collection Period; and

                           (ix)     the aggregate Purchase Amount for the
                  Ineligible Loans and Ineligible Contracts, if any, that was
                  paid in such period.

                  (c)      The Backup Servicer shall provide written notice to
the Class A Insurer and the Trust Collateral Agent with respect to whether there
are any inconsistencies or deficiencies with respect to its review and
verification set forth in paragraphs (a) and (b) above and, if any, shall
provide a description thereof as set forth in Section 2.10 hereof. In the event
of any discrepancy between the information set forth in subparagraphs (a) and
(b) above, as calculated by the Servicer, from that determined or calculated by
the Backup Servicer, the Backup Servicer shall promptly notify the Servicer and,
if within five (5) days of such notice being provided to the Servicer, the
Backup Servicer and the Servicer are unable to resolve such discrepancy, the
Backup Servicer shall promptly notify the Class A Insurer and the Trust
Collateral Agent of such discrepancy.

                           (i)      Other than as specifically set forth
                  elsewhere in this Agreement, the Backup Servicer shall have no
                  obligation to supervise, verify, monitor or administer the
                  performance of the Servicer and shall have no duty,
                  responsibility, obligation, or liability (collectively
                  "Liability") for any action taken or omitted by the Servicer.

                           (ii)     The Backup Servicer shall consult with the
                  Servicer as may be necessary from time to time to perform or
                  carry out the Backup Servicer's obligations hereunder,
                  including the obligation, if requested in writing by the Class
                  A Insurer, to succeed within thirty (30) days to the duties
                  and obligations of the Servicer pursuant to Section 2.3.

                           (iii)    Except as otherwise provided in this
                  Agreement, the Backup Servicer may accept and reasonably rely
                  on all accounting, records and work of the Servicer without
                  audit, and the Backup Servicer shall have no Liability for the
                  acts or omissions of the Servicer or for the inaccuracy of any
                  data provided, produced or supplied by the Servicer. If any
                  error, inaccuracy or omission (collectively, "Errors") exists
                  in any information received from the Servicer, and such Errors
                  should cause or materially contribute to the Backup Servicer
                  making or continuing any Errors (collectively, "Continued
                  Errors"), the Backup Servicer shall have no Liability for such
                  Continued Errors; provided, however, that this provision shall
                  not protect the Backup Servicer against any Liability which
                  would otherwise be imposed by reason of willful misfeasance,
                  bad faith or gross negligence in discovering or correcting any
                  Error or in the performance of its

                                       5
<PAGE>

                  duties hereunder or under the Sale and Servicing Agreement. In
                  the event the Backup Servicer becomes aware of Errors or
                  Continued Errors which, in the opinion of the Backup Servicer
                  impairs its ability to perform its services hereunder, the
                  Backup Servicer may, with the prior consent of the Class A
                  Insurer, undertake to reconstruct and reconcile such data as
                  it deems appropriate to correct such Errors and Continued
                  Errors and prevent future Continued Errors. The Backup
                  Servicer shall be entitled to recover its costs thereby
                  expended from the Servicer.

                           (iv)     The Backup Servicer and its officers,
                  directors, employees and agents shall be indemnified by the
                  Servicer and the Issuer from and against all claims, damages,
                  losses or expenses reasonably incurred by the Backup Servicer
                  (including reasonable attorney's fees and expenses) arising
                  out of claims asserted against the Backup Servicer on any
                  matter arising out of this Agreement to the extent the act or
                  omission giving rise to the claim accrues before the
                  Assumption Date, except for any claims, damages, losses or
                  expenses arising from the Backup Servicer's own willful
                  misfeasance, bad faith or gross negligence. The obligations of
                  the Servicer and the Issuer under this Section shall survive
                  the termination of this Agreement and the earlier resignation
                  or removal of the Backup Servicer.

         SECTION 2.3. Assumption of Servicer's Obligations.

                  (a)      The Backup Servicer agrees that within 30 days of
receipt of a written notice from the Class A Insurer, or the Trust Collateral
Agent if a Class A Insurer Default has occurred and is continuing, of the
termination of the rights and obligations of Credit Acceptance as Servicer
pursuant to the Sale and Servicing Agreement, and without further notice, the
Backup Servicer shall, subject to the exclusions stated herein, assume the
Service-Related Activities of Credit Acceptance under the Sale and Servicing
Agreement (the "Assumption Date") and further agrees that it shall assume all
such Service-Related Activities in accordance with the requirements, terms and
conditions set forth in the Sale and Servicing Agreement and this Agreement. In
the event of a conflict between any provision of the Sale and Servicing
Agreement and this Agreement, this Agreement shall be controlling.

                  (b)      In the event of an assumption by the Backup Servicer
of the Servicer-Related Activities of Credit Acceptance under the Sale and
Servicing Agreement, the Backup Servicer shall not be obligated to perform the
obligations imposed in the following Sections of the Sale and Servicing
Agreement: Sections 3.02 (provided that the Backup Servicer shall be obligated
to inform the other parties to this Agreement of the breaches or failures set
forth in Section 3.02 of which a Responsible Officer has actual knowledge),
4.01(c), 4.01(d)(i), 4.01(d)(ii), 4.04, 4.06(a)(iii), 4.06(a)(v), 4.06(a)(ix),
4.06(a)(x), 4.06(b)(i), 4.06(b)(ii), 4.06(b)(v) (only with respect to the
Servicer's obligation to defend the right, title and interest of the Trust
Collateral Agent in the Trust Property against the claims of third parties),
4.07 (provided that the Backup Servicer shall be obligated to inform the other
parties to this Agreement of certain breaches detailed in Section 4.07 of which
a Responsible Officer has actual knowledge in the manner described therein),
4.11, 4.15(b), 4.15(c), 5.01(b), 5.01(c), 5.02(a) (only with respect to the
amount of time in which the Servicer is required to remit Collections to the
Collection

                                       6
<PAGE>

Account which, in the case of SST after the Assumption Date, will be within one
(1) Business Day of receipt of such Collections with respect to cleared funds,
and in all other cases will be within three (3) Business Days of receipt of such
Collections, 5.09(b), 5.10(b), 7.02 (provided that the Backup Servicer shall be
liable under Section 7.02(iii) of the Sale and Servicing Agreement as to action
taken by it as successor Servicer), 7.03, 7.06, 9.05 or 10.01(b).

         SECTION 2.4. Servicing and Retention of Servicer.

                  (a)      Subject to early termination of the Backup Servicer
due to the occurrence of a Backup Servicer Event of Default, or pursuant to
Article 4, or as otherwise provided in this Section 2.4, on and after the
Assumption Date, the Backup Servicer shall be responsible for the servicing,
administering, managing and collection of the Dealer Loans and Contracts in
accordance herewith and the Sale and Servicing Agreement.

                  (b)      In the event of a Backup Servicer Event of Default,
the Class A Insurer shall have the right to terminate the Backup Servicer as
successor Servicer and Backup Servicer hereunder. Upon the termination or
resignation of the Backup Servicer hereunder, the Class A Insurer shall have the
right to appoint a successor Backup Servicer (the "Successor Backup Servicer")
and enter into a backup servicing agreement with such Successor Backup Servicer
at such time and exercise all of its rights under Section 4.15 of the Sale and
Servicing Agreement; provided, however, that if such termination or resignation
of the Backup Servicer occurs prior to the Assumption Date, the appointment of
the Successor Backup Servicer shall be mutually acceptable to Credit Acceptance
and the Class A Insurer. Such backup servicing agreement shall specify the
duties and obligations of the Successor Backup Servicer, and all references
herein and in the Sale and Servicing Agreement to the Backup Servicer shall be
deemed to refer to such Successor Backup Servicer.

                 (c)      The Backup Servicer shall not resign from the
obligations and duties imposed on it by this Agreement or the Sale and Servicing
Agreement, as successor servicer or as Backup Servicer, as applicable, except
upon a determination that by reason of a change in legal requirements, the
performance of its duties hereunder or under the Sale and Servicing Agreement
would cause it to be in violation of such legal requirements in a manner which
would have a material adverse effect on the Backup Servicer, and the Class A
Insurer does not elect to waive the obligations of the Backup Servicer to
perform the duties which render it legally unable to act or to delegate those
duties to another Person. Any such determination permitting the resignation of
the Backup Servicer pursuant to this Section 2.4(c) shall be evidenced by an
opinion of counsel to such effect delivered and acceptable to the Class A
Insurer. No resignation of the Backup Servicer shall become effective until an
entity reasonably acceptable to the Class A Insurer shall have assumed the
responsibilities and obligations of the Backup Servicer.

                  (d)      Any Person: (i) into which the Backup Servicer may be
merged or consolidated; (ii) resulting from any merger or consolidation to which
the Backup Servicer shall be a party; (iii) which acquires by conveyance,
transfer or lease substantially all of the assets of the Backup Servicer; or
(iv) succeeding to the business of the Backup Servicer, in any of the foregoing
cases shall execute an agreement of assumption to perform every obligation of
the Backup Servicer under this Agreement and the Sale and Servicing Agreement,
whether or not such assumption agreement is executed, shall be the successor to
the Backup Servicer under this

                                       7
<PAGE>

Agreement and the Sale and Servicing Agreement without the execution or filing
of any paper or any further act on the part of any of the parties to this
Agreement or the Sale and Servicing Agreement, anything herein or therein to the
contrary notwithstanding; provided, however, that nothing contained herein or
therein shall be deemed to release the Backup Servicer from any obligation
hereunder or under the Sale and Servicing Agreement.

                  (e)      Following the Assumption Date, beginning with the
calendar year ending December 31, 2003, the Backup Servicer shall be required to
deliver to the Indenture Trustee, the Trust Collateral Agent and the Class A
Insurer on or before one hundred twenty (120) days after the end of the Backup
Servicer's fiscal year, with respect to such fiscal year, a copy of its annual
SAS-70 and its audited financial statements for such fiscal year.

                  (f)      Concurrently with the delivery of the financial
reports delivered under (e) above, a report in substantially the form attached
to this Agreement as Exhibit I and certified by the chief financial officer of
the Backup Servicer, certifying that no Backup Servicer Event of Default and no
event which, with the giving of notice or the passage of time, would become a
Backup Servicer Event of Default has occurred and is continuing or, if any such
Backup Servicer Event of Default or other event has occurred and is continuing,
such a Backup Servicer Event of Default has occurred and is continuing, the
action which the Backup Servicer has taken or proposes to take with respect
thereto, shall be delivered to the Indenture Trustee, the Trust Collateral Agent
and the Class A Insurer.

         SECTION 2.5. Servicing Duties of the Backup Servicer. On and after the
Assumption Date:

                  (a)      The Backup Servicer shall take or cause to be taken
all such action as may be necessary or advisable to collect all amounts due
under the Dealer Loans and Contracts from time to time, all in accordance with
applicable laws, rules and regulations, with reasonable care and diligence, and
in accordance with the Collection Guidelines. There shall be no recourse to the
Backup Servicer with regard to the Dealer Loans and Contracts. The Backup
Servicer shall hold in trust for the Trust Collateral Agent all records which
evidence or relate to all or any part of the Trust Estate. In the event that a
Successor Backup Servicer is appointed, the outgoing Backup Servicer shall
deliver to the Successor Backup Servicer and the Successor Backup Servicer shall
hold in trust for the Trust Collateral Agent all records which evidence or
relate to all or any part of the Trust Estate.

                  (b)      The Backup Servicer shall as soon as practicable upon
demand, deliver to the Issuer all records in its possession which evidence or
relate to indebtedness of an Obligor which is not a Dealer Loan or Contract.

                  (c)      The Backup Servicer shall remit to the Collection
Account within two (2) Business Days of receipt, all Collections.

                  (d)      In addition to the obligations of the Backup Servicer
under this Agreement, the Backup Servicer shall perform all of the obligations
of the Servicer as servicer under the Sale and Servicing Agreement, except as
set forth in Section 2.3(b) hereof. Without limiting the foregoing and anything
provided for herein, the Backup Servicer shall perform the

                                       8
<PAGE>

following in substantially the same manner and level at which Credit Acceptance
performs such on the date hereof: (a) customer service
inquiries/responsibilities; (b) collections on delinquent and charged-off
accounts; (c) insurance monitoring and the making of claims with respect
thereto; (d) creating the Servicer's Certificates; (e) repossession and other
legal actions; (f) statements to performing accounts and other correspondence;
(g) reconciliation of dealer holdback payments; (h) inventory management; (i)
maintenance of lock-box accounts; (j) electronic skip tracing; and (k) document
storage and title maintenance.

         SECTION 2.6. Other Obligations of the Backup Servicer and Servicer.

                  (a)      In order to ensure preparedness to carry out the
Service-Related Activities, the Backup Servicer agrees that immediately upon
execution of this Agreement, it will begin to formulate a contingency plan
designed to execute a transition of the Service-Related Activities from Credit
Acceptance, and such plan shall be finalized within sixty (60) days of execution
of this Agreement. The contingency plan of the Backup Servicer shall contemplate
the services to be provided by the Backup Servicer under this Agreement and the
Sale and Servicing Agreement and, without limiting the obligations hereunder and
thereunder, shall provide for the servicing and enforcement of the Dealer Loans
and Contracts in a manner comparable to the servicing and enforcement of similar
dealer loans and contracts that the Backup Servicer carries out for itself and
others.

                  (b)      [Reserved]

                  (c)      No later than the 10th day of each calendar month
until the earlier of the Assumption Date or the termination of this Agreement,
Credit Acceptance shall provide a Live Data File (as defined below) transmission
to the Backup Servicer, which shall include the Dealer Loan and Contract master
file, the transaction history file and all other files necessary to carry out
the Service-Related Activities received in connection herewith (the "Live Data
Files"). The Backup Servicer shall convert the Live Data Files to its internal
systems, and no later than five (5) Business Days after the receipt thereof,
shall confirm in writing to Credit Acceptance the accuracy and completeness of
the conversion; provided, however, that such confirmation shall not be deemed to
apply to the accuracy of the Live Data Files as provided by Credit Acceptance,
but shall be deemed only to apply to the accuracy of the conversion of the Live
Data Files to the Backup Servicer's internal systems. In the event of any
changes in format with respect to either Credit Acceptance or the Backup
Servicer, Credit Acceptance and the Backup Servicer shall coordinate with each
other for the replacement of the data files with files in the correct format,
modified accordingly. To verify that Live Data Files have been accurately
converted to the Backup Servicer's internal servicing system, the Backup
Servicer will provide Credit Acceptance with such reports as are mutually agreed
upon by Credit Acceptance and the Backup Servicer from time to time. Credit
Acceptance reserves the right to review converted data on the Backup Servicer's
system either by performing an onsite review of the Backup Servicer's systems
or, at Credit Acceptance's sole expense, by having remote access to the Backup
Servicer's systems.

                  (d)      In connection with the Backup Servicer assuming the
obligations of Servicer hereunder and under the Sale and Servicing Agreement,
Credit Acceptance agrees that it shall: (i) promptly make available to the
Backup Servicer access to all records and information in the possession of
Credit Acceptance related to the Dealer Loans and the Contracts as may be

                                       9
<PAGE>

necessary or reasonably requested by the Backup Servicer in connection with the
performance of the Backup Servicer's obligations hereunder and thereunder; and
(ii) cooperate in good faith with the Backup Servicer and the Trust Collateral
Agent in connection with any transition of the servicing of the Dealer Loans and
Contracts to the Backup Servicer.

         SECTION 2.7. Servicing Compensation. As compensation for the
performance of its obligations under this Agreement and with respect to the Sale
and Servicing Agreement, the Backup Servicer is entitled to: (i) prior to the
Assumption Date, the Backup Servicing Fee and (ii) after the Assumption Date,
the sum of: (A) the Servicing Fee, (B) any Repossession Expenses, (C) any
Reliening Expenses and (D) any Transition Expenses.

         SECTION 2.8. Trust Collateral Agent's Rights. At any time following the
Assumption Date:

                  (a)      The Trust Collateral Agent or the Backup Servicer may
direct that payment of all amounts payable under any Dealer Loans or Contracts
be made directly to the Backup Servicer, the Trust Collateral Agent or its
designee.

                  (b)      The Servicer shall, (unless otherwise directed by the
Trust Collateral Agent) (i) assemble all of the records relating to the Trust
Estate and shall make the same available to the Backup Servicer (or the Trust
Collateral Agent if so directed by the Trust Collateral Agent) at a place
selected by the Backup Servicer or the Trust Collateral Agent, as applicable;
provided, however, that the Servicer will be entitled to retain copies of all
records provided pursuant to this Section 2.8(b), and (ii) segregate all cash,
checks and other instruments received by it from time to time constituting
Collections in a manner acceptable to the Trust Collateral Agent and shall,
promptly upon receipt but no later than one (1) Business Day after receipt,
remit all such cash, checks and instruments, duly endorsed or with duly executed
instruments of transfer, as directed by the Trust Collateral Agent or the Backup
Servicer.

                  (c)      Credit Acceptance hereby authorizes the Trust
Collateral Agent and the Backup Servicer to take any and all steps in Credit
Acceptance's name and on behalf of Credit Acceptance necessary or desirable, in
the determination of the Backup Servicer or the Trust Collateral Agent acting in
"good faith" (as such term is defined in Article 9 of the UCC), to collect all
amounts due under any and all of the Dealer Loans, including, without
limitation, endorsing Credit Acceptance's name on checks and other instruments
representing Collections and enforcing the Dealer Loans and Contracts; provided,
however, that the Trust Collateral Agent shall not have an affirmative
obligation to carry out such duties.

         SECTION 2.9. Liability of the Backup Servicer; Standard of Care.

                  (a)      The Backup Servicer shall not be liable for its
actions or omissions hereunder except for its negligence, willful misconduct or
breach of this Agreement not caused by another party to this Agreement, or for
any recitals, statements, representations or warranties made expressly by the
Backup Servicer.

                  (b)      The Backup Servicer shall indemnify, defend and hold
harmless the Servicer and its respective officers, directors, agents and
employees from and against any and all costs, expenses, losses, claims, damages
and liabilities to the extent that such cost, expense, loss,

                                       10
<PAGE>

claim, damage or liability arose out of, or was imposed upon the Servicer
through the Backup Servicer's breach of this Agreement, the willful misfeasance,
bad faith or negligence of the Backup Servicer in the performance of its duties
under this Agreement or by reason of reckless disregard of its obligations and
duties under this Agreement.

                  (c)      The Servicer shall indemnify, defend and hold
harmless the Backup Servicer and its respective officers, directors, agents and
employees from and against any and all costs, expenses, losses, claims, damages
and liabilities to the extent that such cost, expense, loss, claim, damage or
liability arose out of, or was imposed upon the Backup Servicer through the
Servicer's breach of this Agreement, the willful misfeasance, bad faith or
negligence of the Servicer in the performance of its duties under this Agreement
or by reason of reckless disregard of its obligations and duties under this
Agreement.

                  (d)      The Backup Servicer may accept and reasonably rely on
all accounting and servicing records and other documentation provided to the
Backup Servicer by or at the direction of the Servicer, including documents
prepared or maintained by any originator, or previous servicer, or any party
providing services related to the Dealer Loans or Contracts (collectively, the
"Third Party"). The Servicer agrees to indemnify (subject to the limitation
provided in subsection (e) below) and hold harmless the Backup Servicer, its
respective officers, employees and agents against any and all claims, losses,
penalties, fines, forfeitures, legal fees and related costs, judgments, and any
other costs, fees and expenses that the Backup Servicer may sustain in any way
related to the negligence or misconduct of any Third Party with respect to the
Dealer Loans or Contracts. The Backup Servicer shall have no Liability for the
acts or omissions of any such Third Party or for the inaccuracy of any data
provided, produced or supplied by such Third Party. If any Error exists in any
information provided to the Backup Servicer and such Errors cause or materially
contribute to the Backup Servicer making a Continuing Error, the Backup Servicer
shall have no liability for such Continued Errors; provided, however, that this
provision shall not protect the Backup Servicer against any liability which
would otherwise be imposed by reason of willful misfeasance, bad faith or gross
negligence in discovering or correcting any error or in the performance of its
duties contemplated herein.

                  In the event the Backup Servicer becomes aware of Errors
and/or Continued Errors which, in the opinion of the Backup Servicer, impair its
ability to perform its services hereunder, the Backup Servicer shall promptly
notify the Servicer and the Class A Insurer of such Errors and/or Continued
Errors. With the prior consent of the Servicer and the Class A Insurer, the
Backup Servicer may undertake to reconstruct any data or records appropriate to
correct such Errors and/or Continued Errors and to prevent future Continued
Errors. The Backup Servicer shall be entitled to recover its costs thereby
expended from the Servicer.

                  (e)      Indemnification under this Article shall include,
without limitation, reasonable fees and expenses of counsel and expenses of
litigation. If the indemnifying party has made any indemnity payments pursuant
to this Article and the recipient thereafter collects any of such amounts from
others, the recipient shall promptly repay such amounts collected to the
indemnifying party, together with any interest earned thereon.

                                       11
<PAGE>

                  (f)      In performing the Service-Related Activities
contemplated by this Agreement, the Backup Servicer agrees to comply in all
respects with the applicable state and federal laws and will carry out such
activities with the same degree of care as that provided for the Servicer under
the Sale and Servicing Agreement. The Backup Servicer shall maintain all state
and federal licenses and franchises necessary for it to perform Service-Related
Activities. The Backup Servicer shall not have any Liability for any Error or
Continued Error by the Servicer, or for any error, inaccuracy or omission of the
Servicer before the Backup Servicer assumes the Service-Related Activities.

                  (g)      Neither the Backup Servicer nor any of the directors
or officers or employees or agents of the Backup Servicer shall be under any
liability to the Servicer or any party to this Agreement or the Sale and
Servicing Agreement except as provided in this Agreement, for any action taken
or for refraining from the taking of any action in good faith pursuant to this
Agreement; provided, however, that this provision shall not protect the Backup
Servicer or any such person against any liability that would otherwise be
imposed by reason of a breach of this Agreement or willful misfeasance, bad
faith or gross negligence (excluding errors in judgment) in the performance of
duties, by reason of reckless disregard of obligations and duties under this
Agreement or any violation of law by the Backup Servicer or such person, as the
case may be. The Backup Servicer and any director, officer, employee or agent of
the Backup Servicer may conclusively rely and shall be fully protected in acting
or refraining from acting upon any document, certificate, instrument, opinion,
notice, statement, consent, resolution, entitlement order, approval or
conversation believed by it to be genuine and made by the proper person and upon
the advice or opinion of counsel or other experts selected by it. The Backup
Servicer shall not be liable for an error of judgment made in good faith by a
Responsible Officer of the Backup Servicer, unless it shall be proven that the
Backup Servicer was negligent in ascertaining the pertinent facts.

                  (h)      The Backup Servicer shall maintain its existence and
rights as a corporation under the laws of the jurisdiction of its incorporation,
and will obtain and preserve its qualification to do business as a foreign
corporation in each jurisdiction in which the failure to so qualify would have
an adverse effect on the validity or enforceability of any Contract, Dealer
Agreement, this Agreement or on the ability of the Backup Servicer to perform
its duties under this Agreement.

                  (i)      The provisions of this Section shall survive the
termination of this Agreement.

                  (j)      The Backup Servicer shall not be bound to make any
investigation into the facts or matters stated in any resolution, certificate,
statement, instrument, opinion, report, notice, request, consent, entitlement
order, approval or other paper or document.

                  (k)      The Backup Servicer may execute any of the trusts or
powers hereunder or perform any duties hereunder either directly or by or
through agents, attorneys, custodians or nominees appointed with due care.

                  (l)      To the extent that the Backup Servicer is not
indemnified by the Servicer pursuant to Section 2.2 hereunder and under the Sale
and Servicing Agreement, such amounts

                                       12
<PAGE>

shall be reimbursable by the Issuer pursuant to Section 5.08(a) of the Sale and
Servicing Agreement.

         SECTION 2.10. Monthly Backup Servicer's Certificate. Prior to the
Assumption Date, on or before 12:00 noon (New York City time) on the Business
Day preceding each Distribution Date, the Backup Servicer shall deliver or cause
to be delivered to the Class A Insurer and the Trust Collateral Agent a
certificate (the "Backup Servicer's Certificate"), in form and substance
satisfactory to the Class A Insurer, signed by an officer of the Backup
Servicer, stating that (i) the Backup Servicer has loaded the Servicer's Data
File as described in Section 2.1(a) on its hardware, (ii) a review of the
Servicer's Certificate for the related Distribution Date has been made under
such officer's supervision, (iii) the Backup Servicer has received the Live Data
File described in 2.6(c), and (iv) to such officer's knowledge, (x) the
electronic media is in readable form; (y) with respect to the review and
verification set forth in Section 2.2(a) and 2.2(b), the data on the Servicer's
Data File tie to the related Servicer's Certificate resulting in no
discrepancies between them, and (z) the Servicer's Certificate does not contain
any errors in accordance with the review criteria set forth in Section 2.2(a)
hereunder. If the preceding statements cannot be made in the affirmative, the
applicable officer shall state the nature of any and all anomalies,
discrepancies and errors, and indicate all actions it is currently taking with
the Servicer to reconcile and/or correct the same. Each Backup Servicer's
Certificate shall be dated as of the related Determination Date. Upon the
request of the Indenture Trustee, the Trust Collateral Agent or the Class A
Insurer, a Backup Servicer's Certificate shall be accompanied by copies of any
third party reports relied on or obtained in connection with the Backup
Servicer's duties hereunder. The Backup Servicer, with respect to the Backup
Servicer's Certificate, shall not be responsible for delays attributable to the
Servicer's failure to deliver information, defects in the information supplied
by the Servicer or other circumstances beyond the control of the Backup
Servicer. After the Assumption Date, the Backup Servicer shall deliver the
Servicer's Certificate in accordance with Section 4.09 of the Sale and Servicing
Agreement.

         SECTION 2.11. Backup Servicer's Expenses. The Backup Servicer shall be
required to pay all expenses incurred by it in connection with its activities
hereunder, including fees and disbursements of independent accountants, taxes
imposed on the Backup Servicer and expenses incurred in connection with
distributions and reports to the Servicer, the Trust Collateral Agent and the
Class A Insurer. When the Backup Servicer incurs expenses after the occurrence
of a Servicer Default specified in Section 8.01 of the Sale and Servicing
Agreement or an Indenture Event of Default specified in Section 5.1 of the
Indenture, the parties hereto intend that such expenses constitute expenses of
administration under the Bankruptcy Code or any other applicable Federal or
State bankruptcy, insolvency or similar law.

                                    ARTICLE 3
                         REPRESENTATIONS AND WARRANTIES

         SECTION 3.1. Representations and Warranties of the Backup Servicer. The
Backup Servicer represents, warrants and covenants as of the date of execution
and delivery of this Agreement:

                  (a)      Organization and Good Standing. The Backup Servicer
has been duly organized and is validly existing as a corporation in good
standing under the laws of Delaware,

                                       13
<PAGE>

with power, authority and legal right to own its properties and to conduct its
business as such properties are currently owned and such business is currently
conducted, and had at all relevant times, and now has, power, authority and
legal right to enter into and perform its obligations under this Agreement or
the Sale and Servicing Agreement.

                  (b)      Due qualification. The Backup Servicer is duly
qualified to do business as a foreign corporation in good standing, and has
obtained all necessary licenses and approvals, in all jurisdictions where the
failure to do so would materially and adversely affect the performance of its
obligations under this Agreement or the Sale and Servicing Agreement.

                  (c)      Power and Authority. The Backup Servicer has the
power and authority to execute and deliver this Agreement and to carry out the
terms hereof; and the execution, delivery and performance of this Agreement have
been duly authorized by the Backup Servicer by all necessary corporate action.

                  (d)      Binding Obligation. This Agreement shall constitute
the legal, valid and binding obligation of the Backup Servicer enforceable in
accordance with its terms, except as enforceability may be limited by
bankruptcy, insolvency, reorganization or other similar laws affecting the
enforcement of creditors' rights generally and by equitable limitations on the
availability of specific remedies, regardless of whether such enforceability is
considered in a proceeding in equity or at law.

                  (e)      No Violation. The execution and delivery of this
Agreement, the consummation of the transactions contemplated by this Agreement,
and the fulfillment of the terms hereof, shall not conflict with, result in any
breach of any of the terms and provisions of, or constitute (with or without
notice or lapse of time, or both) a default under, the certificate of
incorporation or bylaws of the Backup Servicer, or any indenture, agreement,
mortgage, deed of trust or other instrument to which the Backup Servicer is a
party or by which it is bound, or result in the creation or imposition of any
lien upon any of its properties pursuant to the terms of any such indenture,
agreement, mortgage, deed of trust or other instrument, other than this
Agreement, or violate any law, order, rule or regulation applicable to the
Backup Servicer of any court or of any federal or state regulatory body,
administrative agency or other governmental instrumentality having jurisdiction
over the Backup Servicer or any of its properties.

                  (f)      No Proceedings. There are no proceedings or
investigations pending or, to the Backup Servicer's knowledge, threatened
against the Backup Servicer, before any court, regulatory body, administrative
agency or other tribunal or governmental instrumentality having jurisdiction
over the Backup Servicer or its properties: (i) asserting the invalidity of this
Agreement, (ii) seeking to prevent the consummation of any of the transactions
contemplated by this Agreement, or (iii) seeking any determination or ruling
that might materially and adversely affect the performance by the Backup
Servicer of its obligations under, or the validity or enforceability of, this
Agreement.

                  (g)      The Backup Servicer is not required to obtain the
consent of any other party or any consent, license, approval or authorization,
or registration or declaration with, any governmental authority, bureau or
agency in connection with the execution, delivery, performance, validity or
enforceability of this Agreement.

                                       14
<PAGE>

                  (h)      Facilities. The Backup Servicer has adequate
facilities and employees in place to handle the following, in accordance with
its Collection Guidelines, including, but not limited to: (i) customer service
inquiries/responsibilities; (ii) collections on delinquent and charged-off
accounts; (iii) insurance monitoring and the making of claims with respect
thereto; (iv) creating the Servicer's Certificate; (v) repossession and other
legal actions; (vi) statements to performing accounts and other correspondence;
(vii) reconciliation of dealer holdback payments; (viii) inventory management;
(ix) maintenance of lock-box accounts; (x) electronic skip tracing; and (xi)
document storage and title maintenance.

                  (i)      The Backup Servicer shall take all actions it deems
necessary to commence servicing within 30 days of receipt of written notice from
the Class A Insurer, including without limitation, hiring and training new
personnel and purchasing any necessary equipment.

                  (j)      The Backup Servicer will keep gateways, hardware,
software, systems and the interface used to fulfill its obligations hereunder
up-to-date as necessary to ensure continuing compatibility with Credit
Acceptance's systems, utilized by Credit Acceptance in its capacity as Servicer,
and otherwise maintain a technology platform that will enable the Backup
Servicer to fulfill its obligations at all times, provided that the Backup
Servicer will not be responsible for ensuring compatibility with systems changed
or modified by Credit Acceptance unless Credit Acceptance notifies the Backup
Servicer of such changes or modifications.

                  (k)      The Backup Servicer and all of its employees
performing the services described hereunder will perform such services in
accordance with industry standards applicable to the performance of such
services, and with the same degree of care as it applies to the performance of
such services for any assets which the Backup Servicer holds for its own
account.

                  (l)      Upon a Backup Servicer Event of Default, the Backup
Servicer shall promptly notify the Class A Insurer, or, if a Class A Insurer
Default has occurred and is continuing, the Indenture Trustee who shall
distribute such notice to the Class A Noteholders, that a Backup Servicer Event
of Default has occurred.

                                    ARTICLE 4
                                   TERMINATION

         SECTION 4.1. Backup Servicer Event of Default.

                  For purposes of this Agreement, any of the following shall
constitute a "Backup Servicer Event of Default":

                  (a)      Failure on the part of the Backup Servicer duly to
observe or perform in any material respect any covenant or agreement of the
Backup Servicer set forth in this Agreement, which failure continues unremedied
for a period of 30 days after the date on which written notice of such failure,
requiring the same to be remedied, shall have been given to the Backup Servicer
by the Class A Insurer.

                                       15
<PAGE>

                  (b)      Any failure by the Backup Servicer (x) after the
Assumption Date to deposit to the Collection Account any amount required to be
deposited by the Servicer (except for any amounts required to be deposited by
the Servicer under Section 4.07 of the Sale and Servicing Agreement) and such
failure shall continue unremedied for a period of two (2) days or (y) to deliver
to the Trust Collateral Agent or the Class A Insurer the Backup Servicer's
Certificate on the related Distribution Date that shall continue unremedied for
a period of one (1) Business Day.

                  (c)      The entry of a decree or order by a court or agency
or supervisory authority having jurisdiction in the premises for the appointment
of a conservator, receiver, or liquidator for the Backup Servicer in any
insolvency, readjustment of debt, marshalling of assets and liabilities, or
similar proceedings, or for the winding up or liquidation of its respective
affairs, and the continuance of any such decree or order unstayed and in effect
for a period of 60 consecutive days or the entry of any decree or order for
relief in respect of the Backup Servicer under any bankruptcy, reorganization,
compromise, arrangement, insolvency, readjustment of debt, or similar law,
whether now or hereafter in effect, which decree or order for relief continues
unstayed and in effect for a period of 60 consecutive days.

                  (d)      The consent by the Backup Servicer to the appointment
of a conservator or receiver or liquidator in any insolvency, readjustment of
debt, marshalling of assets and liabilities, or similar proceedings of or
relating to the Backup Servicer or relating to substantially all of its
property; or the admission by the Backup Servicer in writing of its inability to
pay its debts generally as they become due, the filing by the Backup Servicer of
a petition to take advantage of any applicable insolvency or reorganization
statute, the making by the Backup Servicer of an assignment for the benefit of
its creditors, or the voluntarily suspension by the Backup Servicer of payment
of its obligations.

                  (e)      Any representation, warranty or statement of the
Backup Servicer made in this Agreement or any certificate, report or other
writing delivered by the Backup Servicer pursuant hereto shall prove to be
incorrect in any material respect as of the time when the same shall have been
made and, within 30 days after written notice thereof shall have been given to
the Backup Servicer by the Class A Insurer, the circumstances or condition in
respect of which such representation, warranty or statement was incorrect shall
not have been eliminated or otherwise cured.

         SECTION 4.2. Consequences of a Backup Servicer Event of Default.

                  If a Backup Servicer Event of Default has occurred and is
continuing, the Class A Insurer may, by notice given in writing to the Backup
Servicer, terminate all of the rights and obligations of the Backup Servicer
under this Agreement. On or after the receipt by the Backup Servicer of such
written notice, all authority, power, obligations and responsibilities of the
Backup Servicer under this Agreement shall be terminated. The terminated Backup
Servicer agrees to cooperate with the Class A Insurer in effecting the
termination of the responsibilities and rights of the terminated Backup Servicer
under this Agreement.

                                       16
<PAGE>

         SECTION 4.3. Backup Servicing Termination.

                  Prior to the time the Backup Servicer receives a notice from
the Trust Collateral Agent that the Backup Servicer will become the Servicer,
the Backup Servicer may terminate this Agreement for any reason in its sole
judgment and discretion upon delivery of 90 days advance written notice to the
Class A Insurer or the Trust Collateral Agent of such termination.

         SECTION 4.4. Return of Confidential Information.

                  Upon termination of this Agreement, the Backup Servicer shall,
at the direction of the Class A Insurer or the Trust Collateral Agent, promptly
return all written confidential information and any related electronic and
written files and correspondence in its possession as are related to this
Agreement and the Service-Related Activities contemplated hereunder. The Backup
Servicer shall provide reasonable access to its facilities and assistance to any
successor servicer or other party assuming the servicing responsibilities,
provided, however, that such access shall not unreasonably interfere with the
Backup Servicer conducting its day to day operations.

                                    ARTICLE 5
                                  MISCELLANEOUS

         SECTION 5.1. Notices, Etc.

                  (a)      On and after the Assumption Date, Credit Acceptance
and the Trust Collateral Agent hereby agree to provide to the Backup Servicer
all notices required to be provided to the Servicer pursuant to the Sale and
Servicing Agreement and the other Basic Documents, as well as a hard copy sent
by a nationally recognized courier service with item tracking capability.

                  (b)      Except where telephonic instructions or notices are
authorized herein to be given, all notices, demands, instructions and other
communications required or permitted to be given to or made upon any party
hereto shall be in writing and shall be sent by facsimile transmission with a
confirmation of the receipt thereof and shall be deemed to be given for purposes
of this Agreement on the day that the receipt of such facsimile transmission is
confirmed in accordance with the provisions of this Section 5.1. Unless
otherwise specified in a notice sent or delivered in accordance with the
foregoing provisions of this Section, notices, demands, instructions (including
payment instructions) and other communications in writing shall be given to or
made upon the respective parties hereto at their respective addresses and
accounts indicated below, and, in the case of telephonic instructions or
notices, by calling the telephone number or numbers indicated for such party
below:

If to the Servicer:

                           Credit Acceptance Corporation
                           Silver Triangle Building
                           25505 West Twelve Mile Road, Suite 3000
                           Southfield, Michigan 48034-8339
                           Attention: James D. Murray, Jr.
                           Telephone: (248) 353-2400 (ext. 884)
                           Telecopy: (248) 827-8542

                                       17
<PAGE>

If to the Trust Collateral Agent:

                           JPMorgan Chase Bank
                           4 New York Plaza, 6th Floor
                           New York, NY 10004
                           Attention: Corporate Trust Office
                           Telephone: (877) 772-7095

If to the Class A Insurer:

                           Radian Asset Assurance Inc.
                           335 Madison Avenue
                           New York, NY 10017-4605
                           Attention: Chief Risk Officer and Chief Legal Officer
                           Telephone: (212) 983-3100
                           Telecopy: (212) 682-5377

If to the Backup Servicer:

                           Systems & Services Technologies, Inc.
                           4315 Pickett Road
                           St. Joseph, MO 64503
                           Attention: John Chappell, President and Joseph Booz,
                           Executive Vice President/General Counsel
                           Telephone: (816) 671-2022
                           Telecopy: (816) 671-2029

         SECTION 5.2. Successors and Assigns. This Agreement shall be binding
upon the Backup Servicer, and shall inure to the benefit of the Trust Collateral
Agent and the Class A Insurer and their respective successors and permitted
assigns; provided that the Backup Servicer shall not assign any of its rights or
obligations hereunder without the prior written consent of the Class A Insurer,
and any such assignment in contradiction of the foregoing shall be null and
void.

         SECTION 5.3. No Bankruptcy Petition Against the Seller and the Issuer.
The parties hereto agree that until one year and one day after such time as the
Class A Notes issued under the Indenture are paid in full, they shall not (i)
institute the filing of a bankruptcy petition against the Seller or the Trust
based upon any claim in its favor arising hereunder or under the Basic
Documents; (ii) file a petition or consent to a petition seeking relief on
behalf of the Seller or the Trust under the Bankruptcy Law; or (iii) consent to
the appointment of a receiver, liquidator, assignee, trustee, sequestrator (or
similar official) of the Seller or the Trust or any portion of the property of
the Seller or the Trust. The parties hereto agree that all obligations of the
Issuer and the Seller are non-recourse to the Trust Property except as
specifically set forth in the Basic Documents.

         SECTION 5.4. Class A Insurer Control Rights. Notwithstanding anything
herein or in any other Basic Document to the contrary, during the continuance of
a Class A Insurer Default, any voting, consent or control rights granted to the
Class A Insurer hereunder or under any other

                                       18
<PAGE>

Basic Document shall be suspended and shall instead be made by the Majority
Noteholders; provided, however, that upon the cure of the Class A Insurer
Default, such voting, consent and control rights shall be reinstated.

         SECTION 5.5. Severability Clause. Any provisions of this Agreement
which are prohibited or unenforceable in any jurisdiction shall, as to such
jurisdiction, be ineffective to the extent of such prohibition or
unenforceability without invalidating the remaining provisions hereof, and any
such prohibition or unenforceability in any jurisdiction shall not invalidate or
render unenforceable such provision in any other jurisdiction.

         SECTION 5.6. Amendments. This Agreement and the rights and obligations
of the parties hereunder may not be changed orally but only by an instrument in
writing signed by the parties hereto.

         SECTION 5.7. GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT GIVING
EFFECT TO THE CONFLICTS OF LAW PRINCIPLES THEREOF.

         SECTION 5.8. Counterparts. This Agreement may be executed in any number
of copies, and by the different parties hereto on the same or separate
counterparts, each of which shall be deemed to be an original instrument.

         SECTION 5.9. Headings. Section headings used in this Agreement are for
convenience of reference only and shall not affect the construction or
interpretation of this Agreement.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                       19
<PAGE>

                  IN WITNESS WHEREOF, the Servicer, the Class A Insurer, the
Backup Servicer, the Trust Collateral Agent, the Issuer and the Seller have
caused this Agreement to be executed by their respective officers thereunto duly
authorized as of the day and year first above written.

                            CREDIT ACCEPTANCE CORPORATION,
                              as Servicer

                            By: /S/ Douglas W. Busk
                                ------------------------------------------------
                                Name: Douglas W. Busk
                                Title: Chief Financial Officer & Treasurer

                            RADIAN ASSET ASSURANCE INC.,
                              as Class A Insurer

                            By: /S/ George F. Schulz
                                ------------------------------------------------
                                Name: George F. Schulz
                                Title: Vice President

                            SYSTEM & SERVICES TECHNOLOGIES, INC.,
                              as Backup Servicer

                            By: /S/ Joseph D. Booz
                                ------------------------------------------------
                                Name: Joseph D. Booz
                                Title: EVP/Secretary/General Counsel

                            JPMORGAN CHASE BANK,
                              as Trust Collateral Agent

                            By: /S/ Esther D. Antoine
                                ------------------------------------------------
                                Name: Esther D. Antoine
                                Title: Trust Officer

                            CREDIT ACCEPTANCE AUTO DEALER LOAN
                              TRUST 2003-1, as Issuer

                            By: Wachovia Bank of Delaware, National Association,
                            not in its individual capacity but solely as Owner
                            Trustee

                            By: /S/ Sterling C. Correia
                                ------------------------------------------------
                                Name: Sterling C. Correia
                                Title: Vice President

                            CREDIT ACCEPTANCE FUNDING LLC 2003-1,
                              as Seller

                            By: /S/ Douglas W. Busk
                                ------------------------------------------------
                                Name: Douglas W. Busk
                                Title: VP Finance & Treasurer

<PAGE>

                                    Exhibit I

                          Backup Servicer Certification

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00054-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00054-of-00352.parquet"}]]