Document:

<PAGE>

                                                                     EXHIBIT 4.1

                       [THE ROYAL BANK OF SCOTLAND LOGO]

                             SUPPLEMENTAL AGREEMENT

                                     BETWEEN

THE ROYAL BANK OF SCOTLAND PLC ACTING AS AGENT FOR NATIONAL WESTMINSTER BANK PLC

                                       AND

                              SYTNER GROUP LIMITED

Our Ref:

        The Royal Bank of Scotland plc is registered in Scotland No 90312
           Registered Office: 36 St. Andrew Square, Edinburgh EH2 2YB
   Agency agreements exist between members of The Royal Bank of Scotland Group

<PAGE>

THIS SUPPLEMENTAL AGREEMENT is made the 30th day of March          2004 between:

(1)   The Royal Bank of Scotland plc acting as agent for National Westminster
      Bank Plc (the "Lender"); and

(2)   Sytner Group Limited (the "Company").

WHEREAS:

A.    An agreement was entered into between the Lender and the Company dated
      28th February 2003 (the "Agreement") setting out the terms and conditions
      upon and subject to which the Lender agreed to make available to the
      Company a revolving credit facility of L45,000,000 (the "Facility");
      and

B.    It has been agreed between the Company and the Lender that:-

      (1)   the level/ratios for the covenants detailed in Clauses 19.7 and 19.8
            of the Agreement shall be amended as detailed below.

NOW THEREFORE IT IS AGREED:

1.    All words and expressions defined in the Agreement unless the context
      otherwise requires, shall have the same meanings in this Supplemental
      Agreement.

2.    To reflect the changes referred to in Clause B above the terms of the
      Agreement are hereby amended as follows:

      (a)   Clauses 19.7 and 19.8 of the Agreement shall be deleted and replaced
            with the following:

      19.7  CAPITAL EXPENDITURE

      The Company must ensure that for each Measurement Period ending during the
      period set out in Column 1 below Net Capital Expenditure for that
      Measurement Period does not exceed the figure set out in Column 2 below
      opposite such period (excluding Capital Expenditure funded by UAG
      International Holdings Inc mentioned below):

<TABLE>
<CAPTION>
              COLUMN 1                           COLUMN 2
-------------------------------------       -----------------
<S>                                         <C>
31 March 2003 until 29 September 2003          L15,000,000

30 September 2003 until 30 March 2004          L25,000,000

31 March 2004 until 29 June 2004               L30,000,000

30 June 2004 to 30 December 2004               L50,000,000

31 December 2004 to 30 March 2005              L60,000,000

31 March 2005 to 29 June 2005                  L50,000,000

Thereafter                                     L30,000,000
</TABLE>

      For each Measurement Period until that ending on 30 March 2004 the Company
      may incur additional Capital Expenditure of L10,000,000 provided that and
      to the extent that either:-

      (a)   UAG International Holdings Inc has granted loans to the Parent in
            excess of L37,000,000; or

      (b)   UAG International Holdings Inc grants to the Company a loan or
            loans.

           Registered in Scotland No. 90312 Registered Office: 36 St.
                        Andrew Square, Edinburgh EH2 2YB

<PAGE>

      19.8  CONSOLIDATED NET BORROWINGS TO CONSOLIDATED EBITDA LESS STOCKING
            INTEREST

      The Company must ensure that the ratio of Consolidated Net Borrowings to
      Consolidated EBITDA less Stocking Interest does not, for each Measurement
      Period ending on the date set out in Column 1 below exceed the ratio set
      out in Column 2 below opposite such period:

<TABLE>
<CAPTION>
    COLUMN 1                       COLUMN 2
    --------                       --------
<S>                                <C>
  31 March 2003                     2.0:1

  30 June 2003                      2.0:1

30 September 2003                  2.25:1

31 December 2003                    2.0:1

  31 March 2004                     2.0:1

  30 June 2004                      2:0:1

30 September 2004                  2.25:1

31 December 2004                    2.0:1

  31 March 2005                     2.0:1

  30 June 2005                      1.6:1

30 September 2005                   1.6:1

   Thereafter                       1.5:1
</TABLE>

3.    All other terms and conditions of the Agreement remain unaltered and shall
      continue in full force and effect.

4.    This Supplemental Agreement and the Agreement shall, as from the date of
      this Supplemental Agreement be read and construed together as constituting
      the agreement between the Lender and the Company.

5.    This Supplemental Agreement shall be governed by and construed in
      accordance with the laws of England.

IN WITNESS whereof this Agreement is executed by the duly authorized
representatives of the Lender and the Company.

For and on behalf of the Lender

/s/ Jason A. Necker
-------------------
Signature

For and on behalf of the Company

/s/ Mark Morris
---------------
Signature

Date: 30th March, 2004

        The Royal Bank of Scotland plc is registered in Scotland No 90312
           Registered Office: 36 St. Andrew Square, Edinburgh EH2 2YB
   Agency agreements exist between members of The Royal Bank of Scotland Group<PAGE>

                                                                     EXHIBIT 4.2

                       [THE ROYAL BANK OF SCOTLAND LOGO]

                             SUPPLEMENTAL AGREEMENT

                                    BETWEEN

THE ROYAL BANK OF SCOTLAND PLC ACTING AS AGENT FOR NATIONAL WESTMINSTER BANK PLC

                                       AND

                              SYTNER GROUP LIMITED

        The Royal Bank of Scotland plc is registered in Scotland No 90312
            Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB
   Agency agreements exist between members of The Royal Bank of Scotland Group

<PAGE>

THIS SUPPLEMENTAL AGREEMENT is made the 25th day of May 2004 between:-

(1)   THE ROYAL BANK OF SCOTLAND PLC ACTING AS AGENT FOR NATIONAL WESTMINSTER
      BANK PLC (the "LENDER"); and

(2)   SYTNER GROUP LIMITED (the "COMPANY").

WHEREAS

A.    An agreement was entered into between the Lender and the Company dated
      28th February 2003 (the "AGREEMENT") setting out the terms and conditions
      upon and subject to which the Lender agreed to make available to the
      Company a revolving credit facility of L45,000,000 (the "FACILITY");
      and

B.    It has been agreed between the Company and the Lender that:-

      (i)   the maximum amount available in respect of Tranche B shall be
            increased from L35,000,000 to L55,000,000;

      (ii)  the "Final Maturity Date" shall be amended from 31 January 2006 to
            31 March 2007; and

      (ii)  the level/ratios for the covenants detailed in Clauses 19.7 and 19.8
            of the Agreement shall be amended as detailed below.

C.    The Company shall pay to the Lender a fee of L120,000 as at the signing
      date of this agreement.

NOW THEREFORE IT IS AGREED:-

1.    All words and expressions defined in the Agreement unless the context
      otherwise requires, shall have the same meanings in this Supplemental
      Agreement.

2.    To reflect the changes referred to in Clause B above the terms of the
      Agreement are hereby amended as follows:-

      (a)   the existing definition of "COMMITMENT" in Clause 1.1 of the
            Agreement shall be deleted and replaced with the following:-

            "COMMITMENT" means:

            (I)   in respect of Tranche A L10,000,000 (as adjusted under
                  Clause 7); and

            (II)  in respect of Tranche B L55,000,000,

            in each case to the extent not cancelled, transferred or reduced
            under this Agreement and "COMMITMENT" shall be construed
            accordingly.

      (b)   the existing definition of "FINAL MATURITY DATE" in Clause 1.1 of
            the Agreement shall be deleted and replaced with the following:-

            "FINAL MATURITY DATE" means 31 March 2007;

      (c)   the existing definition of "TRANCHE" in Clause 1.1 of the Agreement
            shall be deleted and replaced with the following:-

            "TRANCHE" means the following Loans to be made under this Agreement
            (which shall be drawn for the purpose as stipulated):

            (a)   a Loan up to the aggregate principal amount of L10,000,000 for
                  the purpose detailed in Clause 3.1(a) ("TRANCHE A"); and

            (b)   a Loan up to the aggregate principal amount of L55,000,000 for
                  the purpose detailed in Clause 3.1(b) ("TRANCHE B").

      (d)   Clauses 19.7 and 19.8 of the Agreement shall be deleted and replaced
            with the following:-

      19.7  CAPITAL EXPENDITURE

<PAGE>

      The Company must ensure that for each Measurement Period ending during the
      period set out in Column 1 below Net Capital Expenditure for that
      Measurement Period does not exceed the figure set out in Column 2 below
      opposite such period (excluding Capital Expenditure funded by UAG
      International Holdings Inc mentioned below):

<TABLE>
<CAPTION>
              COLUMN 1                         COLUMN 2
-------------------------------------        -----------
<S>                                          <C>
31 March 2003 until 29 September 2003        L15,000,000

30 September 2003 until 30 March 2004        L25,000,000

31 March 2004 until 29 June 2004             L30,000,000

30 June 2004 to 30 December 2004             L50,000,000

31 December 2004 to 30 March 2005            L60,000,000

31 March 2005 to 29 June 2005                L50,000,000

Thereafter                                   L30,000,000
</TABLE>

      For each Measurement Period until that ending on 30 March 2004 the Company
      may incur additional Capital Expenditure of L10,000,000 provided that and
      to the extent that either:-

      (a)   UAG International Holdings Inc has granted loans to the Parent in
            excess of L37,000,000; or

      (b)   UAG International Holdings Inc grants to the Company a loan or
            loans.

      19.8  CONSOLIDATED NET BORROWINGS TO CONSOLIDATED EBITDA LESS STOCKING
            INTEREST

      The Company must ensure that the ratio of Consolidated Net Borrowings to
      Consolidated EBITDA less Stocking Interest does not, for each Measurement
      Period ending on the date set out in Column 1 below exceed the ratio set
      out in Column 2 below opposite such period:

<TABLE>
<CAPTION>
    COLUMN 1                 COLUMN 2
-----------------            --------
<S>                          <C>
  31 March 2003               2.0:1

  30 June 2003                2.0:1

30 September 2003            2.25:1

31 December 2003              2.0:1

  31 March 2004               2.0:1

  30 June 2004                2.0:1

30 September 2004            2.25:1

31 December 2004              2.0:1

  31 March 2005               2.0:1

  30 June 2005                1.6:1

30 September 2005             1.6:1

   Thereafter                 1.5:1
</TABLE>

<PAGE>

3.    All other terms and conditions of the Agreement remain unaltered and shall
      continue in full force and effect.

4.    This Supplemental Agreement and the Agreement shall, as from the date of
      this Supplemental Agreement be read and construed together as constituting
      the agreement between the Lender and the Company.

5.    This Supplemental Agreement shall be governed by and construed in
      accordance with the laws of England.

IN WITNESS whereof this Agreement is executed by the duly authorised
representatives of the Lender and the Company.

For and on behalf of the Lender

/s/ Jason A. Necker
--------------------------------
Jason A. Necker
Signature

For and on behalf of the Company

/s/ Mark Morris
--------------------------------
Mark Morris
Signature

Date 25/5/04
     ---------------------------

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