Document:

EXHIBIT
4.7

BACKUP SERVICING AGREEMENT

among

CNH CAPITAL RECEIVABLES LLC,

as Seller

NEW HOLLAND CREDIT COMPANY, LLC,

as Servicer

CNH EQUIPMENT TRUST 2006-B,

as Issuing Entity

and

SYSTEMS & SERVICES TECHNOLOGIES, INC.

as Backup Servicer

Dated as of September 1, 2006

 

TABLE OF CONTENTS

(continued)

	
  

  	
   

  	
  Page

  
	
  ARTICLE I

  	
  DEFINITIONS

  	
  1

  
	
  SECTION
  1.1

  	
  Definitions

  	
  1

  
	
  SECTION
  1.2

  	
  Usage of Terms

  	
  3

  
	
  SECTION
  1.3

  	
  Section References

  	
  3

  
	
  ARTICLE II

  	
  ADMINISTRATION
  AND SERVICING OF RECEIVABLES

  	
  3

  
	
  SECTION
  2.1

  	
  Duties of the Backup Servicer

  	
  3

  
	
  SECTION
  2.2

  	
  Representations and Warranties of
  Backup Servicer

  	
  4

  
	
  SECTION
  2.3

  	
  Backup Servicing Termination

  	
  5

  
	
  SECTION
  2.4

  	
  Backup Servicer Fees; Payment of
  Expenses by Backup Servicer

  	
  6

  
	
  ARTICLE III

  	
  THE
  BACKUP SERVICER

  	
  6

  
	
  SECTION
  3.1

  	
  Liability of Backup Servicer;
  Indemnities

  	
  6

  
	
  SECTION
  3.2

  	
  Limitation on Liability

  	
  8

  
	
  SECTION
  3.3

  	
  Corporate Existence

  	
  8

  
	
  SECTION
  3.4

  	
  Insurance

  	
  8

  
	
  SECTION
  3.5

  	
  Compliance with Laws

  	
  8

  
	
  SECTION
  3.6

  	
  Backup Servicer Legal Proceedings

  	
  9

  
	
  ARTICLE IV

  	
  TERMINATION
  EVENTS

  	
  9

  
	
  SECTION
  4.1

  	
  Termination Event

  	
  9

  
	
  SECTION
  4.2

  	
  Consequences of a Termination
  Event

  	
  10

  
	
  ARTICLE V

  	
  MISCELLANEOUS
  PROVISIONS

  	
  10

  
	
  SECTION
  5.1

  	
  Waiver; Amendment

  	
  10

  
	
  SECTION
  5.2

  	
  Governing Law

  	
  11

  
	
  SECTION
  5.3

  	
  Severability of Provisions

  	
  11

  
	
  SECTION
  5.4

  	
  Assignment

  	
  11

  
	
  SECTION
  5.5

  	
  Third-Party Beneficiaries

  	
  11

  
	
  SECTION
  5.6

  	
  Counterparts

  	
  11

  
	
  SECTION
  5.7

  	
  Notices

  	
  11

  
	
  SECTION
  5.8

  	
  Nonpetition Covenants

  	
  12

  
	
  SECTION
  5.9

  	
  Term

  	
  12

  
	
  SECTION
  5.10

  	
  Limitation of Liability of Trustee

  	
  12

  
	
  SECTION
  5.11

  	
  Miscellaneous

  	
  12

  
	
  SECTION
  5.12

  	
  Confidentiality

  	
  12

  
	
  SECTION
  5.13

  	
  Information Requests

  	
  13

  
	
  SECTION
  5.14

  	
  Notice to Moody’s

  	
  13

  
					

 

 i
 

 

 

	
  EXHIBITS

  	
   

  
	
   

  	
   

  
	
  EXHIBIT A

  	
  Sale and Servicing Agreement

  	
   

  
	
   

  	
   

  	
   

  
	
  SCHEDULES

  	
   

  
	
   

  	
   

  
	
  SCHEDULE I

  	
  Description of Verification and Confirmation Duties
  (Backup Servicing)

  	
   

  

 

 ii

 

THIS BACKUP SERVICING AGREEMENT, dated as of September
1, 2006, (this “Agreement”) is made among NEW
HOLLAND CREDIT COMPANY, LLC, a Delaware limited liability company (the “Servicer”), CNH CAPITAL RECEIVABLES LLC, a Delaware limited
liability company (the “Seller”), CNH
EQUIPMENT TRUST 2006-B, a Delaware statutory trust (the “Issuing
Entity”), SYSTEMS & SERVICES TECHNOLOGIES, INC., a Delaware
corporation (the “Backup Servicer” or “SST”).

WITNESSETH:

WHEREAS, the Servicer, the Seller and the Issuing
Entity have entered into the Sale and Servicing Agreement dated as of the date
hereof (the “Sale and Servicing Agreement”) a
copy of which is attached hereto and made a part hereof as Exhibit A;

WHEREAS, the Issuing Entity and the Servicer desire
that the Backup Servicer perform certain backup servicing duties in accordance
with the terms and provisions of this Agreement;

WHEREAS, the Issuing Entity desires that the Backup
Servicer assume the role of Successor Servicer under the terms of the Sale and
Servicing Agreement in the event that the Servicer is terminated thereunder;
and

WHEREAS, the Backup Servicer is willing to perform the
backup servicing duties specified herein and assume the role of Successor
Servicer under the terms of the Sale and Servicing Agreement pursuant to the
conditions and for the consideration described herein.

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

ARTICLE I

DEFINITIONS

SECTION
1.1                          Definitions.  Unless otherwise specified herein, all terms
defined in the Indenture, shall have the same
meaning in this Agreement.  Whenever
capitalized and used in this Agreement, the following words and phrases, unless
the context otherwise requires, shall have the following meanings:

Agreement or “this Agreement”:  This Backup Servicing Agreement, all
amendments and supplements thereto and all exhibits and schedules to any of the
foregoing.

Backup Servicer:  Systems & Services Technologies, Inc., in
its capacity as Backup Servicer under this Agreement, and its successors and
assigns in such capacity.

Backup Servicer Account:  means the account designated as such,
established and maintained pursuant to Section 5.1(a)(vii)
of the Sale and Servicing Agreement.

Backup Servicer Expenses:  is defined in Section 4.12
of the Sale and Servicing Agreement.

 

Backup Servicer Termination Event:  An event described in Section 4.1.

Backup Servicing Duties:  The duties defined as such in Section 2.1.

Backup Servicing Fee: means the
greater of (a) 1/12 of 0.02% of the Pool Balance as of the first day of each
Collection Period and (b) $4,000.

Business Day:  means any day other than a Saturday, a Sunday
or a day on which banking institutions or trust companies in The City of New
York, New York, the City of Racine, Wisconsin and the City of St. Joseph,
Missouri are authorized or obligated by law, regulation or executive order to
remain closed.

Collection Period:  means, with respect to any Payment Date, the
period from and including the end of the preceding Collection Period (or, for
the first Payment Date, the day after the Initial Cutoff Date) to and including
the last day of the calendar month preceding the calendar month in which the
Payment Date occurs.

Indenture:  means the Indenture dated as of September 1,
2006 between the Issuing Entity and the Indenture Trustee, as the same may be
amended and supplemented from time to time.

Indenture Trustee:  means JPMorgan Chase Bank, N.A., a national
banking association, not in its individual capacity but solely as Indenture
Trustee under the Indenture, or any successor Indenture Trustee under the
Indenture.

Initial Collection Period:  The Collection
Period ending September 30, 2006.

Payment Date:  means, with respect to each Collection
Period, the fifteenth day of the calendar month following the end of that
Collection Period, or, if such day is not a Business Day, the next Business
Day, commencing on October 16, 2006.

Person:  Any legal person, including any individual,
corporation, partnership, joint venture, estate, association, joint stock
company, trust, unincorporated organization or government or any agency or
political subdivision thereof, or any other entity.

Sale and Servicing Agreement:  The Sale and Servicing Agreement attached
hereto as Exhibit A, as the same may be amended
from time to time in accordance with its terms and with the written consent of
the Backup Servicer.

Servicing Transfer Date:  The Business Day next succeeding the
expiration of the Transfer Period.

Transfer Notice:  Written notice from the Indenture Trustee or
Noteholders to the Backup Servicer and the Servicer, (with a copy to the Rating
Agencies, the Noteholders (if given by the Indenture Trustee), the Counterparty
and the Trustee provided by the Indenture Trustee) advising the Backup Servicer
of the transfer of active servicing duties for the Contracts to the Backup
Servicer.

 2
 

 

Transfer Period:  A period of sixty (60) days following the
Backup Servicer’s receipt of a Transfer Notice and ending on the date the
Backup Servicer is to begin Successor Servicer duties for the Contracts and the
related Receivables.

Verification and Confirmation Duties:  The duties defined as such in Section 2.1(a).

SECTION
1.2                          Usage
of Terms.  With respect to all terms
used 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 terms “include” or “including” mean “include
without limitation” or “including without limitation.”

SECTION
1.3                          Section
References.  All references to
Articles, Sections, paragraphs, subsections, exhibits and schedules shall be to such portions of this
Agreement unless otherwise specified.

ARTICLE II

ADMINISTRATION AND SERVICING OF RECEIVABLES

SECTION 2.1                          Duties
of the Backup Servicer.

(a)                                  Verification
and Confirmation Duties.  The Backup
Servicer agrees to perform all of the duties of the Backup Servicer as
identified on Schedule I hereto (collectively, the “Verification
and Confirmation Duties”) on behalf of the Issuing Entity in
accordance with the terms of this Agreement. 
On or before the Determination Date, the Servicer shall deliver to the
Backup Servicer the Servicer’s Certificate and a computer tape in a format
acceptable to the Backup Servicer containing the information with respect to
the Receivables for the preceding Collection Period necessary for the
preparation of the Servicer’s Certificate and the performance of the
Verification and Confirmation Duties relating to such Collection Period.

(b)                                 Active
Servicing Duties.  Unless and until
the Backup Servicer or another Person is appointed as Successor Servicer, the
Backup Servicer agrees that, in the event the Servicer is terminated or
otherwise ceases to function as the Servicer pursuant to the Sale and Servicing
Agreement, if the Indenture Trustee or Noteholders representing not less than
25% of the Outstanding Amount of Notes shall issue a Transfer Notice to the
Backup Servicer and Servicer, then prior to the expiration of the Transfer
Period, the Backup Servicer shall promptly execute a counterpart to the Sale
and Servicing Agreement and thereafter shall assume the rights, obligations and
duties of a Successor Servicer as expressly set forth thereunder.

(c)                                  The
Servicer covenants and agrees to perform within three weeks after receipt of
the Transfer Notice (or on such later date as the Issuing Entity and the Backup
Servicer shall agree in writing) the following:

(i)                                     The
Servicer shall provide to the Backup Servicer all necessary servicing files and
records relating to the Contracts (as deemed necessary by the Backup Servicer
at

 3
 

 

such time) and the
Servicer shall provide to the Backup Servicer access to and transfer of records
and use by the Backup Servicer of all licenses or software necessary or
desirable to collect the Contracts and the related Receivables to the extent
that any of the foregoing is not prohibited under any licensing or other
agreements with third parties.

(ii)                                  The
Servicer will provide to the Backup Servicer the servicing information
necessary to prepare and distribute the Servicer Certificate required to be
delivered under the Sale and Servicing Agreement.

(d)                                 Prior
to the expiration of the Transfer Period, the Servicer will send each Obligor
written notice containing the following information:  (i) the Servicing Transfer Date, (ii) the
address, telephone number and department of the Backup Servicer which is able
to answer questions regarding billing, (iii) notification that the legal terms
and conditions of such Obligor’s obligations will not be affected by the
servicing transfer and (iv) instructions as to how to handle any Contract
related questions.  The Backup Servicer
will consult with the Servicer concerning the form of any such notice.  If the Servicer has failed to send this
notice within three weeks after the Servicing Transfer Date, the Backup
Servicer will send such a notice to each such Obligor on the Backup Servicer’s
or the Servicer’s stationery within four weeks of the later of (A) the date a
counterpart to the Sale and Servicing Agreement executed by the Backup Servicer
is effective and (B) the Servicing Transfer Date.  The Servicer will provide the Backup Servicer
with its stationery in an amount sufficient to allow for the sending of the
notices described in this Section 2.1(d).  The Servicer hereby irrevocably appoints the
Backup Servicer as its attorney-in-fact for the purpose of sending such
notices.

(e)                                  Effective
upon the occurrence of the Servicing Transfer Date, the Servicer hereby
irrevocably authorizes and grants to the Backup Servicer an irrevocable
power-of-attorney to take any and all steps in the Servicer’s name and on
behalf of the Servicer that are necessary or desirable to perform its duties
hereunder, including collecting amounts due under the Receivables, endorsing
the Servicer’s name on checks and other instruments representing Collections
and enforcing the Receivables.

SECTION
2.2                          Representations
and Warranties of Backup Servicer. 
The Backup Servicer represents and warrants 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 and in good standing
under the laws of its jurisdiction of organization, 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;

(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;

 4
 

 

(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
constitutes 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, 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, 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.  As of the date of the
Underwriting Agreement, the Prospectus Date and the Closing Date, 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 or otherwise be material to the Noteholders,
except as otherwise may be disclosed in the Prospectus; and

(g)                                 No
Consents.  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.

SECTION
2.3                          Backup
Servicing Termination.

(a)                                  Prior
to the time the Backup Servicer receives a Transfer Notice, this Agreement may
be terminated upon delivery of thirty (30) days advance written notice to the
Backup Servicer of such termination. 
This Agreement shall be terminated pursuant to the previous sentence if
(A) (i) the Servicer notifies the Issuing Entity in writing that the
Servicer has engaged a replacement backup servicer or a Successor Servicer,
(ii) the agreement with such

 5
 

 

replacement backup servicer or Successor Servicer, as
the case may be, is reasonably satisfactory to the Issuing Entity in form and
substance and (iii) the identity of such replacement backup servicer or
Successor Servicer, as the case may be, is acceptable to the Issuing Entity in
its sole discretion, (B) Moody’s has advised the Issuing Entity that the
termination of this Agreement will not result in a downgrade or withdrawal of
its ratings on the Notes or (C) CNH Global N.V.’s long term unsecured debt
credit rating by Moody’s rises to “Ba2” or higher.

(b)                                 Prior
to the time the Backup Servicer receives a Transfer Notice, the Backup Servicer
may terminate this Agreement for any reason in its sole judgment and discretion
upon delivery of one hundred twenty (120) days advance written notice to the
Issuing Entity of such termination.  In
the event that the Backup Servicer delivers notice pursuant to the foregoing
sentence, the Servicer agrees to cooperate with the Issuing Entity, and to take
such actions as the Issuing Entity may reasonably request, in order to appoint
a replacement backup servicer as promptly as possible.

SECTION
2.4                          Backup
Servicer Fees; Payment of Expenses by Backup Servicer.  Unless and until the Backup Servicer or another Person is appointed as
Successor Servicer, on the Payment Date relating to the Initial Collection
Period and each Payment Date thereafter the Backup Servicer shall be entitled
to receive the Backup Servicer Fees in accordance with the terms of the Sale
and Servicing Agreement and the Indenture. 
The Backup Servicer shall further receive all reimbursable Backup
Servicer Expenses in accordance with the terms of the Sale and Servicing
Agreement and the Indenture.  The Backup
Servicer shall be required to pay all other expenses incurred by it in
connection with its activities under this Agreement (including taxes imposed on
the Backup Servicer and all expenses incurred in connection with reports to the
Issuing Entity).

ARTICLE III

THE BACKUP SERVICER

SECTION
3.1                          Liability
of Backup Servicer; Indemnities.

(a)                                  The
Backup Servicer shall be liable hereunder only to the extent of the obligations
in this Agreement specifically undertaken by the Backup Servicer and the
representations made by the Backup Servicer. 
Other than as specifically set forth in this Backup Servicing Agreement,
the Backup Servicer shall have no obligation to supervise, verify, monitor or
administer the performance of the Servicer and shall have no liability for any
action taken or omitted by the Servicer.

(b)                                 The
Backup Servicer shall indemnify, defend and hold harmless the Servicer, the
Issuing Entity and their 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 Servicer or the Issuing Entity
through the Backup Servicer’s breach of this Agreement, the negligence, willful
misfeasance or bad faith 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.

 6
 

 

(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 negligence, willful misfeasance or bad faith 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
Issuing Entity shall (solely from amounts paid pursuant to Section
5.6(b)(xi) of the Sale and Servicing
Agreement) 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 Issuing Entity’s breach of this
Agreement, the negligence, willful misfeasance or bad faith of the Issuing
Entity in the performance of its duties under this Agreement or by reason of
reckless disregard of its obligations and duties under this Agreement.

(e)                                  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 Servicer, or any party providing services related to the
Receivables (collectively “Third Party”).  The Servicer agrees to indemnify (subject to
the limitation provided in Section 3.2 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 Receivables.  The Backup Servicer shall have no duty,
responsibility, obligation or liability (collectively “Liability”)
for the acts or omissions of any such Third Party.  If any error, inaccuracy or omission
(collectively “Error”) exists in any information
provided to the Backup Servicer and such Errors cause or materially contribute
to the Backup Servicer making or continuing any Error (collectively “Continuing Errors”), the Backup Servicer shall have no
liability for such Continuing Errors; provided, however, that this provision
shall not protect the Backup Servicer against any liability which would
otherwise be imposed by reason of willful misconduct, bad faith or 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 Continuing 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 Indenture Trustee of such Errors and/or
Continuing Errors.  The Backup Servicer
shall discuss such Errors with the Servicer, and the Servicer and the Backup
Servicer shall use their reasonable efforts to correct such Errors.  If after such discussion such Errors are not
promptly corrected, with the prior consent of the Indenture Trustee, the Backup
Servicer may undertake to reconstruct any data or records appropriate to
correct such Errors and/or Continuing Errors and to prevent future Continuing
Errors.  The Backup Servicer shall be
entitled to recover its costs thereby expended as Backup Servicer Expenses in
accordance with the Sale and Servicing Agreement and the Indenture.

 7
 

 

(f)                                    Indemnification
under this Article shall include, without limitation, reasonable fees and
expenses of counsel (including but not limited to counsel who may be employees
of the Backup Servicer) 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.

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

SECTION
3.2                          Limitation
on Liability.  Neither the Backup
Servicer, the Servicer, the Issuing Entity nor any of their respective directors or officers or
employees or agents shall be under any liability to the other, or any party to
the Basic Documents 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, the Servicer, the Issuing Entity or any such
Person against any liability that would otherwise be imposed by reason of a
breach of this Agreement, the inaccuracy of any of their respective
representations or warranties set forth in this Agreement or willful
misfeasance, bad faith or negligence in the performance of their respective
duties, by reason of reckless disregard of obligations and duties under this
Agreement or any violation of law by the Backup Servicer, the Servicer, the
Issuing Entity or such Person, as the case may be.  The Backup Servicer, the Servicer, the
Issuing Entity and any of their respective directors, officers, employees or
agents may rely in good faith on the advice of counsel (including but not
limited to counsel who may be employees of the Backup Servicer or the Servicer,
as the case may be) or on any document of any kind prima facie properly
executed and submitted by any Person respecting any matters arising under this
Agreement.

SECTION
3.3                          Corporate
Existence.  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 Receivable or this Agreement or on the ability of the
Backup Servicer to perform its duties under this Agreement.

SECTION
3.4                          Insurance.  The Backup Servicer shall maintain adequate
insurance in amounts and with terms customarily
subscribed by companies in the same industry performing similar functions to
those of the Backup Servicer in its role as Backup Servicer or Successor
Servicer, as applicable.

SECTION
3.5                          Compliance
with Laws.  The Backup Servicer
covenants with the parties hereto that, upon the expiration
of the Transfer Period, the practices used or to be used by the Backup Servicer
to monitor collections with respect to the Contracts and repossess and dispose
of the Financed Equipment related to the contracts will be, in all material
respects, legal, proper and in conformity with the requirements of all
applicable federal and State laws, rules and regulations.  Upon the expiration of the Transfer Period,
the Backup Servicer will be in possession of all State and local licenses
(including all debt collection licenses) required for it to

 8
 

 

perform its services hereunder, and none of such
licenses shall have been suspended, revoked or terminated.

SECTION
3.6                          Backup
Servicer Legal Proceedings.  At any
time when the Backup Servicer’s reporting obligations
under Section 15(d) of the Exchange Act are not suspended, the Backup Servicer
shall notify the Servicer within 5 Business Days of the date that the Backup
Servicer becomes aware of (a) the initiation of any legal proceedings against
the Backup Servicer, or of which any property of the Backup Servicer is
subject, that are material to the Noteholders, (b) any developments in any such
proceedings that are material to the Noteholders and (c) any such material
proceedings that are contemplated by any governmental authority against the
Backup Servicer that are material to the Noteholders; provided, however
that in each case notice need not be provided to the extent disclosure of same
would not be required pursuant to the terms of Regulation AB of the Exchange
Act.

ARTICLE IV

TERMINATION EVENTS

SECTION
4.1                          Termination
Event.  For purposes of this
Agreement, each of the following shall constitute a Termination
Event (subsections (a) through (d) shall further 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 Servicer; or

(b)                                 (i) The
commencement of an involuntary case under the federal bankruptcy laws, as now
or hereinafter in effect, or another present or future federal or State
bankruptcy, insolvency or similar law and such case is not dismissed within 60
days; or (ii) the entry of a decree or order for relief by a court or
regulatory authority having jurisdiction in respect of the Backup Servicer in
an involuntary case under the federal bankruptcy laws, as now or hereafter in
effect, or another present or future, federal or State, bankruptcy, insolvency
or similar law, or appointing a receiver, liquidator, assignee, trustee,
custodian, sequestrator or other similar official of the Backup Servicer or of
any substantial part of its properties or ordering the winding up or
liquidation of the affairs of the Backup Servicer; or

(c)                                  The
commencement by the Backup Servicer of a voluntary case under the federal
bankruptcy laws, as now or hereafter in effect, or any other present or future
federal or State bankruptcy, insolvency or similar law, or the consent by the
Backup Servicer to the appointment of or taking possession by a receiver,
liquidator, assignee, trustee, custodian, sequestrator or other similar
official of the Backup Servicer or of any substantial part of its property or
the making by the Backup Servicer of an assignment for the benefit of creditors
or the failure by the Backup Servicer generally to pay its debts as such debts
become due or the taking of corporate action by the Backup Servicer in
furtherance of any of the foregoing; or

 9
 

 

(d)                                 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 thirty (30) days
after written notice thereof shall have been given to the Backup Servicer by
the Servicer, the circumstances or condition in respect of which such
representation, warranty or statement was incorrect shall not have been waived,
eliminated or otherwise cured; or

(e)                                  Failure
on the part of the Backup Servicer to receive Backup Servicer Fees or Backup
Servicer Expenses as and when due as set forth in the Sale and Servicing
Agreement and the Indenture, which failure shall not be cured within twenty
(20) days after the date on which written notice of such failure shall have
been received by the Servicer and the Issuing Entity; or

(f)                                    Failure
on the part of the Backup Servicer to notify the Servicer as required pursuant
to Section 3.6.

SECTION
4.2                          Consequences
of a Termination Event.

(a)                                  If
a Backup Servicer Event of Default (as defined in Section 4.1
above) shall occur and be continuing, the Servicer may, by notice given in
writing to the Backup Servicer, terminate all of the rights and obligations of
the Backup Servicer under this Agreement, except as set forth in Sections 3.1(c), (d), (e) and (f).  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 Servicer in effecting the termination of the
responsibilities and rights of the terminated Backup Servicer under this
Agreement.

(b)                                 Notwithstanding
any other provision of this Agreement, in the event of a Termination Event
pursuant to Section 4.1(e), this Agreement shall
terminate upon expiration of the given cure period, and the Backup Servicer
shall then have no obligations or responsibilities under this Agreement, except
as set forth in Section 3.1(f).

ARTICLE V

MISCELLANEOUS PROVISIONS

SECTION
5.1                          Waiver;  Amendment.  Neither this Agreement nor any provision
hereof may be waived, amended or modified
orally, but only by an instrument in writing signed by the Servicer, the
Seller, the Backup Servicer, the Indenture Trustee and the Issuing Entity; provided
that any such amendment shall not materially and adversely affect the interests
of any Noteholder; provided, further, that any such amendment
shall be deemed not to materially and adversely affect the interests of any
Noteholder if the Rating Agency Condition is satisfied.  Notwithstanding anything herein to the
contrary, any term or provision of this Agreement may be amended by the
Servicer and the Seller without the consent of the Noteholders or any other
Person to add, modify or eliminate any provisions as may be necessary or
advisable in order to comply with or obtain more favorable treatment under or
with respect to any law or regulation or any accounting rule or principle
(whether now or in the future in effect); it being a condition to

 10
 

 

any such amendment that the Rating Agency Condition shall
have been satisfied.  The Servicer shall
provide prior written notice of any amendment to the Counterparty.

SECTION
5.2                          Governing
Law.  THIS AGREEMENT SHALL BE
GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE
LAWS OF THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE
PARTIES UNDER THIS AGREEMENT SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

SECTION
5.3                          Severability
of Provisions.  If any one or more of
the covenants, agreements, provisions or terms of
this Agreement shall be for any reason whatsoever held 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
5.4                          Assignment.  Notwithstanding anything to the contrary
contained in this Agreement, this Agreement may
not be assigned by the Backup Servicer without the prior written consent of the
Servicer.

SECTION
5.5                          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.  Nothing in this Agreement, express or
implied, shall give to any Person, other than the parties hereto, their
successors hereunder and the Persons entitled to be indemnified pursuant to Section 3.1, any benefit or any legal or equitable right,
remedy or claim under this Agreement.

SECTION
5.6                          Counterparts.  For the purpose of facilitating its execution
and for other purposes, this Agreement may be
executed simultaneously in any number of counterparts, each of which
counterparts shall be deemed to be an original, and all of which counterparts
shall constitute but one and the same instrument.

SECTION 5.7                          Notices.  All demands, notices and
communications under this Agreement shall be in writing, personally delivered or mailed, or by facsimile
transmission: (a) in the case of the Backup Servicer, at the following address:
4315 Pickett Road, St. Joseph, Missouri 64503 Attention: John J. Chappell and
Joseph D. Booz, Facsimile Number (816)-671-2038; (b) in the case of the
Servicer, at the following address: New Holland Credit Company, LLC, 33 South
Railroad Avenue, New Holland, Pennsylvania 17557, Attention: Finance Manager;
with a copy to: New Holland Credit Company, LLC, 100 South Saunders Road, Lake
Forest, Illinois 60045, Attention: Senior Counsel; (c) in the case of the
Issuing Entity, at the following address: 
CNH Equipment Trust 2006-B, in care of The Bank of New York, 101 Barclay
Street, Floor 8W, New York, New York 10286, Attention:  Corporate Trust Administration-Asset Backed
Finance Unit, Facsimile Number (212) 815-3923; (d) in the case of the Seller,
to CNH Capital Receivables LLC, 100 South Saunders Road, Lake Forest, Illinois
60045, Attention: Treasurer, Facsimile Number (847) 955-4940; (e) in the case
of the Indenture Trustee, at its Corporate Trust Office; and (f) in the case of
the Counterparty, to Bank of America, N.A., Sears Tower, 233 South Wacker
Drive, Suite 2800, Chicago, Illinois 60606, Attention: Swap Operations,
Facsimile Number (312) 234-3603, with a copy to Bank of America, N.A., 100 N. Tryon St., NC1-007-13-01, Charlotte,
North Carolina 28255, Attention:  Global
Markets Trading Agreements, Facsimile Number 704-386-4113; or at such
other address as shall be designated by any such party in a

 11
 

 

written notice to the other parties.  All such
notices and communications shall be effective, upon receipt, or in the case of
(i) notice by mail, five days after being deposited in the United States mail,
first class postage prepaid, (ii) notice by telex, when telexed against receipt
of answer back, or (iii) notice by facsimile copy, when verbal communication of
receipt is obtained.

SECTION
5.8                          Nonpetition
Covenants.  Notwithstanding any prior
termination of this Agreement, the Backup Servicer,
the Servicer and the Indenture Trustee shall not, prior to the date that is one
year and one day after the payment in full of all securities issued by Issuing
Entity or any other special purpose entity to which Seller transfers
receivables, which securities are rated at issuance by a nationally recognized
statistical rating organization, with respect to the Issuing Entity or the
Seller, acquiesce, petition or otherwise invoke or cause the Issuing Entity or
the Seller to invoke the process of any court or governmental authority for the
purpose of commencing or sustaining a case against the Issuing Entity or the
Seller under any federal or state bankruptcy, insolvency or similar law or
appointing a receiver, liquidator, assignee, trustee, custodian, sequestrator
or other similar official of the Issuing Entity or the Seller or any
substantial part of its property, or ordering the winding up or liquidation of
the affairs of the Issuing Entity or the Seller. The foregoing shall not limit
the right of the Backup Servicer, the Servicer or the Indenture Trustee to file
any claim in or otherwise take any action with respect to any such insolvency
proceeding that was instituted against the Issuing Entity or the Seller by any
Person other than the Backup Servicer, the Servicer or the Indenture Trustee.

SECTION
5.9                          Term.  The provisions of this Agreement and the
duties and obligations of the Backup Servicer hereunder
shall commence on the date hereof and shall continue in full force and effect
until either (i) if SST is not then the Successor Servicer, the Notes have been
repaid in their entirety or (ii) the Pool Balance equals zero, unless earlier
terminated pursuant to the terms of this Agreement.

SECTION
5.10                    Limitation
of Liability of Trustee. 
Notwithstanding anything contained herein to the contrary, this Agreement has been countersigned by The Bank of
New York, not in its individual capacity but solely in its capacity as Owner
Trustee of the Issuing Entity, and in no event shall The Bank of New York, in
its individual capacity or, except as expressly provided in the Trust
Agreement, any beneficial owner of the Issuing Entity have any liability for
the representations, warranties, covenants, agreements or other obligations of
the Issuing Entity hereunder or in any of the certificates, notices or
agreements delivered pursuant hereto, as to all of which recourse shall be had
solely to the assets of the Issuing Entity.

SECTION
5.11                    Miscellaneous.  In connection with its execution and
performance of this Agreement, the Issuing Entity
is entitled to all rights, privileges, benefits and indemnities provided to it
under the Sale and Servicing Agreement.

SECTION
5.12                    Confidentiality.  SST shall maintain, and shall cause each
officer, employee and agent of itself and its
affiliates to maintain, the confidentiality of this Backup Servicing Agreement,
the Basic Documents and all other confidential proprietary information with
respect to the Servicer, CNH Capital America LLC, the Seller and CNH Global
N.V. and their affiliates and successors and each of their respective
businesses obtained by SST in connection with the structuring, negotiation and
execution of the transactions contemplated herein and in the other Basic
Documents or as otherwise provided to SST from time to time due

 12
 

 

to its role as Backup Servicer or Successor Servicer,
except for information that has become publicly available or information
disclosed (i) to legal counsel, accountants and other professional advisors to
SST, (ii) as required by law, regulation or legal process, (iii) in connection
with any legal or regulatory proceeding to which SST or any of their affiliates
is subject or (iv) any other disclosure with the prior written consent of
CNHCA.

SECTION
5.13                    Information
Requests.  The parties hereto shall
provide any information reasonably requested by the
Servicer or the Seller or any of their Affiliates, at the expense of such
party, in order to comply with or obtain more favorable treatment under any
current or future law, rule, regulation, accounting rule or principle.

SECTION
5.14                    Notice to
Moody’s.  The Servicer shall notify
Moody’s upon the termination of this Agreement pursuant
to Section 2.3 or the termination of SST as
Backup Servicer pursuant to Section 4.2.

[The
balance of this page has been intentionally left blank]

 13

 

IN WITNESS WHEREOF, the
Servicer, the Issuing Entity, the Backup Servicer, the Seller and the Indenture
Trustee have caused this Backup Servicing Agreement to be duly executed by
their respective officers as of the day and year first above written.

	
  

  	
  NEW HOLLAND CREDIT COMPANY, LLC,

  as Servicer

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/Brian J. O’Keane

  	
   

  
	
   

  	
  Name:

  	
  Brian J. O’Keane

  
	
   

  	
  Title:

  	
  Treasurer

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  CNH CAPITAL RECEIVABLES LLC, as
  Seller

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/Brian J. O’Keane

  	
   

  
	
   

  	
  Name:

  	
  Brian J. O’Keane

  
	
   

  	
  Title:

  	
  Treasurer

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  CNH EQUIPMENT TRUST 2006-B, as
  Issuing

  Entity

  
	
   

  	
   

  
	
   

  	
  By: The Bank of New York, not in its individual

  
	
   

  	
         capacity
  but solely as Trustee

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/Catherine Murray

  	
   

  
	
   

  	
  Name:

  	
  Catherine Murray

  
	
   

  	
  Title:

  	
  Assistant Vice
  President

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  SYSTEMS & SERVICES TECHNOLOGIES,

  INC., as Backup Servicer

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/Kimberly K. Costa

  	
   

  
	
   

  	
  Name:

  	
  Kimberly K.
  Costa

  
	
   

  	
  Title:

  	
  Vice President

  
							

 

 S-1
 

 

 

	
  ACKNOWLEDGED AND AGREED:

  	
   

  
	
   

  	
   

  
	
  JPMORGAN CHASE BANK, N.A., not
  in its

  	
   

  
	
  individual capacity but solely as Indenture Trustee

  	
   

  
	
   

  	
   

  
	
   

  	
   

  
	
  By:

  	
  /s/Keith Richardson

  	
   

  	
   

  
	
  Name:

  	
  Keith Richardson

  	
   

  
	
  Title:

  	
  Attorney-In-Fact

  	
   

  
				

 

 S-2

 

EXHIBIT A

SALE AND
SERVICING AGREEMENT

See Exhibit 4.4

 A-1

 

SCHEDULE I

DESCRIPTION OF
VERIFICATION AND CONFIRMATION DUTIES

(BACKUP SERVICING)

The Backup Servicer shall provide the following
services related to backup servicing in connection with the Contracts.

(i)                                     The
Backup Servicer will work with the Servicer’s personnel to obtain the necessary
systems and data information from the servicing systems in use by the Servicer
(the “Initial Data File Data Layouts and Definitions”
as set forth in Appendix A).  Using this
information, the Backup Servicer will create a set of conversion routines and
database mapping programs, as necessary, that will enable the Backup Servicer
to receive data from the Servicer on a monthly basis (at the time and in the
manner specified in Section 2.1(a)
of the Backup Servicing Agreement) and to ensure that the data is readable.

(ii)                                  On
a monthly basis, commencing with the Initial Collection Period, the Backup
Servicer shall (x) verify receipt of the monthly data files, as set forth in
Appendix B, required to be delivered by the Servicer (at the time and in the
manner specified in Section 2.1(a) of
the Backup Servicing Agreement) and (y) verify that the records and data
contained in the monthly data files are in a readable format.

(iii)                               On
the 10th Business Day after receipt of the monthly data files and the Servicer’s
Certificate from the Servicer, the Backup Servicer shall notify the Servicer
that (i) the Backup Servicer has reviewed the monthly data files for the
related Collection Period, (ii) a review of the information concerning delinquency
aging, defaults and ending Contract Value reflected on the Servicer’s
Certificate has been made and (iii) to the best of SST’s knowledge using its
best reasonable efforts, the data in such monthly data files ties to such items
on the Servicer’s Certificate, resulting in no discrepancies between them.  If the preceding statement cannot be made in
the affirmative, SST shall notify the Servicer of the nature of any and all
discrepancies.  The Backup Servicer and
the Servicer shall attempt to reconcile all discrepancies with respect to such
Servicer’s Certificate. The effect, if any, of such reconciliation shall be
reflected in the next succeeding Servicer’s Certificate.

 I-1

 

APPENDIX
A

INITIAL
DATA FILE DATA LAYOUTS AND DEFINITIONS

 Appendix A-1
 

 

 

	
  Record length = 100

  	
   

  	
  LOS01

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS

  	
   

  	
  ANNOTATIONS

  
	
  ENTITY

  	
   

  	
  001

  	
   

  	
  005

  	
   

  	
  5

  	
   

  	
   

  
	
  COST CENTER

  	
   

  	
  006

  	
   

  	
  011

  	
   

  	
  6

  	
   

  	
   

  
	
  POOL IDENTIFIER

  	
   

  	
  012

  	
   

  	
  014

  	
   

  	
  3

  	
   

  	
   

  
	
  SUB POOL IDENTIFIER

  	
   

  	
  015

  	
   

  	
  024

  	
   

  	
  10

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  025

  	
   

  	
  034

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  035

  	
   

  	
  042

  	
   

  	
  8

  	
   

  	
   

  
	
  MT CODE

  	
   

  	
  043

  	
   

  	
  045

  	
   

  	
  3

  	
   

  	
   

  
	
  TRANSACTION CODE

  	
   

  	
  046

  	
   

  	
  047

  	
   

  	
  2

  	
   

  	
  WILL HAVE ‘MT’ IF FEED IS FROM MT,

  OTHERWISE THE CL TRANS. CODE.

  
	
  TRANSACTION CODE QUALIFIER

  	
   

  	
  048

  	
   

  	
  049

  	
   

  	
  2

  	
   

  	
   

  
	
  TRANSACTION DATE

  	
   

  	
  050

  	
   

  	
  057

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  BUSINESS LINE

  	
   

  	
  058

  	
   

  	
  059

  	
   

  	
  2

  	
   

  	
   

  
	
  ACKTBL TRANSACTION CODE

  	
   

  	
  060

  	
   

  	
  062

  	
   

  	
  3

  	
   

  	
   

  
	
  TRANSACTION AMOUNT

  	
   

  	
  063

  	
   

  	
  079

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  063

  	
   

  	
  063

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  064

  	
   

  	
  076

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  077

  	
   

  	
  077

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  078

  	
   

  	
  079

  	
   

  	
  2

  	
   

  	
   

  
	
  GL ACCOUNT NUMBER

  	
   

  	
  080

  	
   

  	
  093

  	
   

  	
  14

  	
   

  	
   

  
	
  ACCOUNT

  	
   

  	
  080

  	
   

  	
  089

  	
   

  	
  10

  	
   

  	
   

  
	
  SUB ACCOUNT
  NUMBER

  	
   

  	
  090

  	
   

  	
  093

  	
   

  	
  4

  	
   

  	
   

  
	
  VARIABLE RATE TYPE

  	
   

  	
  094

  	
   

  	
  095

  	
   

  	
  2

  	
   

  	
   

  
	
  FILLER

  	
   

  	
  094

  	
   

  	
  100

  	
   

  	
  5

  	
   

  	
   

  

 

 Appendix A-2
 

 

 

	
  Record length = 3775 

  	
   

  	
  SS01

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS.

  	
   

  	
  ANNOTATIONS

  
	
  ACCOUNT
  #

  	
   

  	
  0001

  	
   

  	
  0026

  	
   

  	
  26

  	
   

  	
   

  
	
  BANK CODE

  	
   

  	
  0001

  	
   

  	
  0002

  	
   

  	
  2

  	
   

  	
   

  
	
  BRANCH CODE

  	
   

  	
  0003

  	
   

  	
  0005

  	
   

  	
  3

  	
   

  	
   

  
	
  RETAIL/LEASE CODE

  	
   

  	
  0006

  	
   

  	
  0008

  	
   

  	
  3

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  0009

  	
   

  	
  0018

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  0019

  	
   

  	
  0026

  	
   

  	
  8

  	
   

  	
   

  
	
  POOL
  IDENTIFIER

  	
   

  	
  0027

  	
   

  	
  0029

  	
   

  	
  3

  	
   

  	
   

  
	
  SUB
  POOL IDENTIFIER

  	
   

  	
  0030

  	
   

  	
  0039

  	
   

  	
  10

  	
   

  	
   

  
	
  CONTRACT
  DATE

  	
   

  	
  0040

  	
   

  	
  0047

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  ORIGINAL
  MATURITY DATE

  	
   

  	
  0048

  	
   

  	
  0055

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  CURRENT
  MATURITY DATE

  	
   

  	
  0056

  	
   

  	
  0063

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  ORIGINAL
  AMOUNT FINANCED

  	
   

  	
  0064

  	
   

  	
  0080

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0064

  	
   

  	
  0064

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0065

  	
   

  	
  0077

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0078

  	
   

  	
  0078

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0079

  	
   

  	
  0080

  	
   

  	
  2

  	
   

  	
   

  
	
  CURRENT
  OBLIGOR BALANCE

  	
   

  	
  0081

  	
   

  	
  0097

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0081

  	
   

  	
  0081

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0082

  	
   

  	
  0094

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0095

  	
   

  	
  0095

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0096

  	
   

  	
  0097

  	
   

  	
  2

  	
   

  	
   

  
	
  CURRENT
  HOLDER BALANCE

  	
   

  	
  0098

  	
   

  	
  0114

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0098

  	
   

  	
  0098

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0099

  	
   

  	
  0111

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0112

  	
   

  	
  0112

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0113

  	
   

  	
  0114

  	
   

  	
  2

  	
   

  	
   

  
	
  FIRST
  DUE DATE

  	
   

  	
  0115

  	
   

  	
  0122

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  NEXT
  DUE DATE

  	
   

  	
  0123

  	
   

  	
  0130

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  NEXT
  PAYMENT AMOUNT

  	
   

  	
  0131

  	
   

  	
  0147

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0131

  	
   

  	
  0131

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0132

  	
   

  	
  0144

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0145

  	
   

  	
  0145

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0146

  	
   

  	
  0147

  	
   

  	
  2

  	
   

  	
   

  
	
  CURRENT
  INTEREST RATE (APR)

  	
   

  	
  0148

  	
   

  	
  0155

  	
   

  	
  8

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0148

  	
   

  	
  0148

  	
   

  	
  1

  	
   

  	
   

  
	
  LEFT OF DECIMAL

  	
   

  	
  0149

  	
   

  	
  0149

  	
   

  	
  1

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0150

  	
   

  	
  0150

  	
   

  	
  1

  	
   

  	
   

  
	
  RIGHT OF DECIMAL

  	
   

  	
  0151

  	
   

  	
  0155

  	
   

  	
  5

  	
   

  	
   

  
	
  ORIGINAL
  TERMS

  	
   

  	
  0156

  	
   

  	
  0158

  	
   

  	
  3

  	
   

  	
   

  
	
  PAYMENT
  METHOD

  	
   

  	
  0159

  	
   

  	
  0159

  	
   

  	
  1

  	
   

  	
  C=COUPON

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  A=ACH

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  B=BILL

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  N=NO BILL

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  INTEREST
  TYPE

  	
   

  	
  0160

  	
   

  	
  0161

  	
   

  	
  2

  	
   

  	
  00 = SIMPLE INTEREST

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  01=SIMPLE INTEREST

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  02=78’S INTEREST

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  03=STRIGHT LINE INTEREST

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  04=SIMPLE
  INTEREST (ON SCHEDULED PRIN. BAL.) 

  FOR LOANS W/AMORTIZED

  PAYMENT SCHEDULE.

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  05=SIMPLE INT. AVERAGE BAL.

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  07=SIMPLE INT. W/BALANCE

  

 

 Appendix A-3
 

 

 

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS.

  	
   

  	
  ANNOTATIONS

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPREAD
  RATE ADJ.

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  08=ACTURIAL

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  09=SUM OF BALANCE

  
	
  # OF DAYS LATE TO ASSESS LATE FEES

  	
   

  	
  0162

  	
   

  	
  0164

  	
   

  	
  3

  	
   

  	
   

  
	
  LATE FEE AMOUNT

  	
   

  	
  0165

  	
   

  	
  0181

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0165

  	
   

  	
  0165

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0166

  	
   

  	
  0178

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0179

  	
   

  	
  0179

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0180

  	
   

  	
  0181

  	
   

  	
  2

  	
   

  	
   

  
	
  LATE FEE PERCENT

  	
   

  	
  0182

  	
   

  	
  0189

  	
   

  	
  8

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0182

  	
   

  	
  0182

  	
   

  	
  1

  	
   

  	
   

  
	
  LEFT OF DECIMAL

  	
   

  	
  0183

  	
   

  	
  0183

  	
   

  	
  1

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0184

  	
   

  	
  0184

  	
   

  	
  1

  	
   

  	
   

  
	
  RIGHT OF DECIMAL

  	
   

  	
  0185

  	
   

  	
  0189

  	
   

  	
  5

  	
   

  	
   

  
	
  INTEREST PAID THROUGH DATE

  	
   

  	
  0190

  	
   

  	
  0197

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  INTEREST ACCRUED/UNPAID AT TRANSFER

  	
   

  	
  0198

  	
   

  	
  0214

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0198

  	
   

  	
  0198

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0199

  	
   

  	
  0211

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0212

  	
   

  	
  0212

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0213

  	
   

  	
  0214

  	
   

  	
  2

  	
   

  	
   

  
	
  LATE FEES DUE

  	
   

  	
  0215

  	
   

  	
  0231

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0215

  	
   

  	
  0215

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0216

  	
   

  	
  0228

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0229

  	
   

  	
  0229

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0230

  	
   

  	
  0231

  	
   

  	
  2

  	
   

  	
   

  
	
  OTHER AMOUNT DUE

  	
   

  	
  0232

  	
   

  	
  0248

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0232

  	
   

  	
  0232

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0233

  	
   

  	
  0245

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0246

  	
   

  	
  0246

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0247

  	
   

  	
  0248

  	
   

  	
  2

  	
   

  	
   

  
	
  REMAINING TERM

  	
   

  	
  0249

  	
   

  	
  0251

  	
   

  	
  3

  	
   

  	
   

  
	
  CHARGE OFF DATE

  	
   

  	
  0252

  	
   

  	
  0259

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  CHARGE OFF AMOUNT

  	
   

  	
  0260

  	
   

  	
  0276

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0260

  	
   

  	
  0260

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0261

  	
   

  	
  0273

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0274

  	
   

  	
  0274

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0275

  	
   

  	
  0276

  	
   

  	
  2

  	
   

  	
   

  
	
  CONTRACT STATE (DEALER)

  	
   

  	
  0277

  	
   

  	
  0278

  	
   

  	
  2

  	
   

  	
   

  
	
  LAST PAYMENT DATE

  	
   

  	
  0279

  	
   

  	
  0286

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  TIMES PAST DUE DATA (1st occ. Info. Below)

  	
   

  	
  0287

  	
   

  	
  0306

  	
   

  	
  20

  	
   

  	
  OCCURS 5 TIMES

  
	
  SIGN

  	
   

  	
  0287

  	
   

  	
  0287

  	
   

  	
  1

  	
   

  	
  OCC 1 =
  10 DAYS PAST DUE

  
	
  DAYS

  	
   

  	
  0288

  	
   

  	
  0290

  	
   

  	
  3

  	
   

  	
  OCC 2 =
  30 DAYS PAST DUE

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  OCC 3 =
  60 DAYS PAST DUE

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  OCC 4 =
  90 DAYS PAST DUE

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  OCC 5 =
  120 DAYS PAST DUE

  
	
  NUMBER OF NSF CHECKS

  	
   

  	
  0307

  	
   

  	
  0308

  	
   

  	
  2

  	
   

  	
   

  
	
  BUY-BACK (CLOSEOUT FEE)

  	
   

  	
  0309

  	
   

  	
  0316

  	
   

  	
  8

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0309

  	
   

  	
  0309

  	
   

  	
  1

  	
   

  	
   

  
	
  LEFT OF DECIMAL

  	
   

  	
  0310

  	
   

  	
  0310

  	
   

  	
  1

  	
   

  	
   

  
	
  DECIAML

  	
   

  	
  0311

  	
   

  	
  0311

  	
   

  	
  1

  	
   

  	
   

  
	
  RIGHT OF DECIMAL

  	
   

  	
  0312

  	
   

  	
  0316

  	
   

  	
  5

  	
   

  	
   

  
	
  BRANCH/REGION/PROCESSING CENTER

  	
   

  	
  0317

  	
   

  	
  0319

  	
   

  	
  3

  	
   

  	
   

  
	
  ORIGINATOR APPLICATION NUMBER

  	
   

  	
  0320

  	
   

  	
  0329

  	
   

  	
  10

  	
   

  	
   

  
	
  ORIGINATOR FUNDING DATE

  	
   

  	
  0330

  	
   

  	
  0337

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  PAY AHEAD BALANCE

  	
   

  	
  0338

  	
   

  	
  0354

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0338

  	
   

  	
  0338

  	
   

  	
  1

  	
   

  	
   

  

 

 Appendix A-4
 

 

 

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS.

  	
   

  	
  ANNOTATIONS

  
	
  DOLLARS

  	
   

  	
  0339

  	
   

  	
  0351

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0352

  	
   

  	
  0352

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0353

  	
   

  	
  0354

  	
   

  	
  2

  	
   

  	
   

  
	
  TITLE
  STATE

  	
   

  	
  0355

  	
   

  	
  0356

  	
   

  	
  2

  	
   

  	
   

  
	
  RECOURSE
  CODE

  	
   

  	
  0357

  	
   

  	
  0357

  	
   

  	
  1

  	
   

  	
   

  
	
  PDI
  INSURANCE

  	
   

  	
  0358

  	
   

  	
  0358

  	
   

  	
  1

  	
   

  	
  R=RAMSEY-KRUG

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  U=UNIVERSAL

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  F=FIREMANS’S FUND

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  G=EPG

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  O=OTHER

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE=NONE

  
	
  LIFE
  INSURANCE

  	
   

  	
  0359

  	
   

  	
  0359

  	
   

  	
  1

  	
   

  	
  M=AMERICAN MODERN (USA)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  P=PACIFIC LIFE (CANADA)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE=NONE

  
	
  LIABILITY
  INSURANCE

  	
   

  	
  0360

  	
   

  	
  0360

  	
   

  	
  1

  	
   

  	
  E=ELPA

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE=NONE

  
	
  DISABILITY
  INSURANCE

  	
   

  	
  0361

  	
   

  	
  0361

  	
   

  	
  1

  	
   

  	
  M=AMERICAN MODERN

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE=NONE

  
	
  ESPP
  INSURANCE

  	
   

  	
  0362

  	
   

  	
  0362

  	
   

  	
  1

  	
   

  	
  G=EPG

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE=NONE

  
	
  RESIDUAL
  INSURANCE

  	
   

  	
  0363

  	
   

  	
  0363

  	
   

  	
  1

  	
   

  	
  P=PACIFIC LIFE (CANADA)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE=NONE

  
	
  LOAN
  STATUS

  	
   

  	
  0364

  	
   

  	
  0364

  	
   

  	
  1

  	
   

  	
  A=ACTIVE

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  C=CLOSED

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  D=ACCOUNT
  IN REPOESSION

  BUT NOT IN BANKRUPTCY.

  
	
  REPO
  BALANCE

  	
   

  	
  0365

  	
   

  	
  0381

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0365

  	
   

  	
  0365

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0366

  	
   

  	
  0378

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0379

  	
   

  	
  0379

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0380

  	
   

  	
  0381

  	
   

  	
  2

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  REPO
  ESTIMATED LOSS

  	
   

  	
  0382

  	
   

  	
  0398

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0382

  	
   

  	
  0382

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0383

  	
   

  	
  0395

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0396

  	
   

  	
  0396

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0397

  	
   

  	
  0398

  	
   

  	
  2

  	
   

  	
   

  
	
  INTEREST
  START DATE

  	
   

  	
  0399

  	
   

  	
  0406

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  FIXED
  OR VARIABLE

  	
   

  	
  0407

  	
   

  	
  0407

  	
   

  	
  1

  	
   

  	
  F=FIXED

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  V=VARIABLE

  
	
  VARIABLE
  INDEX ADDITION

  	
   

  	
  0408

  	
   

  	
  0415

  	
   

  	
  8

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0408

  	
   

  	
  0408

  	
   

  	
  1

  	
   

  	
   

  
	
  LEFT OF DECIMAL

  	
   

  	
  0409

  	
   

  	
  0409

  	
   

  	
  1

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0410

  	
   

  	
  0410

  	
   

  	
  1

  	
   

  	
   

  
	
  RIGHT OF DECIMAL

  	
   

  	
  0411

  	
   

  	
  0415

  	
   

  	
  5

  	
   

  	
   

  
	
  VARIABLE
  FLOOR

  	
   

  	
  0416

  	
   

  	
  0423

  	
   

  	
  8

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0416

  	
   

  	
  0416

  	
   

  	
  1

  	
   

  	
   

  
	
  LEFT OF DECIMAL

  	
   

  	
  0417

  	
   

  	
  0417

  	
   

  	
  1

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0418

  	
   

  	
  0418

  	
   

  	
  1

  	
   

  	
   

  
	
  RIGHT OF DECIMAL

  	
   

  	
  0419

  	
   

  	
  0423

  	
   

  	
  5

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  VARIABLE
  CEILING

  	
   

  	
  0424

  	
   

  	
  0431

  	
   

  	
  8

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0424

  	
   

  	
  0424

  	
   

  	
  1

  	
   

  	
   

  
	
  LEFT OF DECIMAL

  	
   

  	
  0425

  	
   

  	
  0425

  	
   

  	
  1

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0426

  	
   

  	
  0426

  	
   

  	
  1

  	
   

  	
   

  
	
  RIGHT OF DECIMAL

  	
   

  	
  0427

  	
   

  	
  0431

  	
   

  	
  5

  	
   

  	
   

  
	
  STOP
  ACCRUAL INTEREST

  	
   

  	
  0432

  	
   

  	
  0448

  	
   

  	
  17

  	
   

  	
   

  

 

 Appendix A-5
 

 

 

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS.

  	
   

  	
  ANNOTATIONS

  
	
  SIGN

  	
   

  	
  0432

  	
   

  	
  0432

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0433

  	
   

  	
  0445

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0446

  	
   

  	
  0446

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0447

  	
   

  	
  0448

  	
   

  	
  2

  	
   

  	
   

  
	
  STOP
  ACCRUAL DATE

  	
   

  	
  0449

  	
   

  	
  0456

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  PAYMENT
  SCHEDULE REVIEW

  	
   

  	
  0457

  	
   

  	
  0457

  	
   

  	
  1

  	
   

  	
   

  
	
  RESIDUAL
  AMOUNT (FINANCE LEASES)

  	
   

  	
  0458

  	
   

  	
  0474

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0458

  	
   

  	
  0458

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0459

  	
   

  	
  0471

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0472

  	
   

  	
  0472

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0473

  	
   

  	
  0474

  	
   

  	
  2

  	
   

  	
   

  
	
  FINANCE
  CHARGE (PRE COMPUTED)

  	
   

  	
  0475

  	
   

  	
  0491

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0475

  	
   

  	
  0475

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0476

  	
   

  	
  0488

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0489

  	
   

  	
  0489

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0490

  	
   

  	
  0491

  	
   

  	
  2

  	
   

  	
   

  
	
  DUE
  DATE/PAYMENT AMT. INFO. (1st occ. Info. Below)

  	
   

  	
  0492

  	
   

  	
  2991

  	
   

  	
  2500

  	
   

  	
  OCCURS 100 TIMES

  
	
  DUE DATE

  	
   

  	
  0492

  	
   

  	
  0499

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  DUE AMOUNT

  	
   

  	
  0500

  	
   

  	
  0514

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0500

  	
   

  	
  0500

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0501

  	
   

  	
  0513

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0514

  	
   

  	
  0514

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0515

  	
   

  	
  0516

  	
   

  	
  2

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  BILL
  DATE/PAYMENT INFO. (1st occ. info. below)

  	
   

  	
  2992

  	
   

  	
  3447

  	
   

  	
  456

  	
   

  	
  OCCURS 6 TIMES

  
	
  BILLED DUE DATE

  	
   

  	
  2992

  	
   

  	
  2999

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  BILLED PRINCIPAL

  	
   

  	
  3000

  	
   

  	
  3016

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3000

  	
   

  	
  3000

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3001

  	
   

  	
  3013

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3014

  	
   

  	
  3014

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3015

  	
   

  	
  3016

  	
   

  	
  2

  	
   

  	
   

  
	
  BILLED INTEREST

  	
   

  	
  3017

  	
   

  	
  3033

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3017

  	
   

  	
  3017

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3018

  	
   

  	
  3030

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3031

  	
   

  	
  3031

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3032

  	
   

  	
  3033

  	
   

  	
  2

  	
   

  	
   

  
	
  BILLED LATE CHARGES

  	
   

  	
  3034

  	
   

  	
  3050

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3034

  	
   

  	
  3034

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3035

  	
   

  	
  3047

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3048

  	
   

  	
  3048

  	
   

  	
  1

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3049

  	
   

  	
  3050

  	
   

  	
  2

  	
   

  	
   

  
	
  BILLED OTHER FEES

  	
   

  	
  3051

  	
   

  	
  3067

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3051

  	
   

  	
  3051

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3052

  	
   

  	
  3064

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3065

  	
   

  	
  3065

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3066

  	
   

  	
  3067

  	
   

  	
  2

  	
   

  	
   

  
	
  BILLED
  THROUGH DATE

  	
   

  	
  3448

  	
   

  	
  3455

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  ACCRUAL
  BASIS YEAR

  	
   

  	
  3456

  	
   

  	
  3456

  	
   

  	
  1

  	
   

  	
  0=365-DAY YEAR

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  1=360-DAY YEAR

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  2=365/366-DAY YEAR

  
	
  ACCRUAL
  BASIS MONTH

  	
   

  	
  3457

  	
   

  	
  3457

  	
   

  	
  1

  	
   

  	
  0=ACTUAL-DAYMONTH

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  1=30-DAY MONTH

  
	
  PAYMENT
  SCHEDULE INFO. (1st occ. Info. below)

  	
   

  	
  3458

  	
   

  	
  3637

  	
   

  	
  180

  	
   

  	
  OCCURS 5 TIMES

  
	
  PAYMENT SCHEDULE STATUS

  	
   

  	
  3458

  	
   

  	
  3458

  	
   

  	
  1

  	
   

  	
   

  
	
  PAYMENT SCHEDULE TYPE

  	
   

  	
  3459

  	
   

  	
  3459

  	
   

  	
  1

  	
   

  	
   

  
	
  PAYMENT SCHEDULE INTERVAL

  	
   

  	
  3460

  	
   

  	
  3462

  	
   

  	
  3

  	
   

  	
   

  
	
  PAYMENT SCHEDULE START DATE

  	
   

  	
  3463

  	
   

  	
  3470

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  PAYMENT SCHEDULE TOTAL PAYMENTS

  	
   

  	
  3471

  	
   

  	
  3473

  	
   

  	
  3

  	
   

  	
   

  

 

 Appendix A-6
 

 

 

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS.

  	
   

  	
  ANNOTATIONS

  
	
  PAYMENT SCHEDULE TIMES BILLED

  	
   

  	
  3474

  	
   

  	
  3476

  	
   

  	
  3

  	
   

  	
   

  
	
  PAYMENT SCHEDULE AMOUNT

  	
   

  	
  3477

  	
   

  	
  3493

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3477

  	
   

  	
  3477

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3478

  	
   

  	
  3490

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3491

  	
   

  	
  3491

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3492

  	
   

  	
  3493

  	
   

  	
  2

  	
   

  	
   

  
	
  CURRENT
  PAYOFF AMOUNT

  	
   

  	
  3638

  	
   

  	
  3654

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3638

  	
   

  	
  3638

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3639

  	
   

  	
  3651

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3652

  	
   

  	
  3652

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3653

  	
   

  	
  3654

  	
   

  	
  2

  	
   

  	
   

  
	
  NON
  RECOGNIZED ACCRUED INTEREST

  	
   

  	
  3655

  	
   

  	
  3671

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3655

  	
   

  	
  3655

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3656

  	
   

  	
  3668

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3669

  	
   

  	
  3669

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3670

  	
   

  	
  3671

  	
   

  	
  2

  	
   

  	
   

  
	
  VARIABLE
  RATE TYPE

  	
   

  	
  3672

  	
   

  	
  3673

  	
   

  	
  2

  	
   

  	
  11 = CHANGES ON 15TH (USA)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  12 = CHANGES ON 20TH (USA)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  22 = CHANGES ON 15TH (CAN.)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  23 = CHANGES ON 20TH (CAN.)

  
	
  RSS
  MONTHLY CASH FLOW

  	
   

  	
  3674

  	
   

  	
  3690

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3674

  	
   

  	
  3674

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3675

  	
   

  	
  3687

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3688

  	
   

  	
  3688

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3689

  	
   

  	
  3690

  	
   

  	
  2

  	
   

  	
   

  
	
  PRINCIPAL
  WRITE OFF AMOUNT

  	
   

  	
  3691

  	
   

  	
  3707

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3691

  	
   

  	
  3691

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3692

  	
   

  	
  3704

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3705

  	
   

  	
  3705

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3706

  	
   

  	
  3707

  	
   

  	
  2

  	
   

  	
   

  
	
  PAST
  DUE DAYS

  	
   

  	
  3708

  	
   

  	
  3713

  	
   

  	
  6

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3708

  	
   

  	
  3708

  	
   

  	
  1

  	
   

  	
   

  
	
  DAYS

  	
   

  	
  3709

  	
   

  	
  3713

  	
   

  	
  5

  	
   

  	
   

  
	
  PAST
  DUE ALTERNATE

  	
   

  	
  3714

  	
   

  	
  3719

  	
   

  	
  6

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3714

  	
   

  	
  3714

  	
   

  	
  1

  	
   

  	
   

  
	
  DAYS

  	
   

  	
  3715

  	
   

  	
  3719

  	
   

  	
  3

  	
   

  	
   

  
	
  RECOVERIES

  	
   

  	
  3720

  	
   

  	
  3736

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3720

  	
   

  	
  3720

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3721

  	
   

  	
  3733

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3734

  	
   

  	
  3734

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3735

  	
   

  	
  3736

  	
   

  	
  2

  	
   

  	
   

  
	
  FILLER

  	
   

  	
  3737

  	
   

  	
  3775

  	
   

  	
  39

  	
   

  	
   

  

 

 Appendix A-7
 

 

 

	
  Record length = 650 

  	
   

  	
  SS02

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS

  	
   

  	
  ANNOTATION

  
	
  ACCOUNT
  #

  	
   

  	
  001

  	
   

  	
  026

  	
   

  	
  26

  	
   

  	
   

  
	
  BANK CODE

  	
   

  	
  001

  	
   

  	
  002

  	
   

  	
  2

  	
   

  	
   

  
	
  BRANCH CODE

  	
   

  	
  003

  	
   

  	
  005

  	
   

  	
  3

  	
   

  	
   

  
	
  RETAIL/LEASE CODE

  	
   

  	
  006

  	
   

  	
  008

  	
   

  	
  3

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  009

  	
   

  	
  018

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  019

  	
   

  	
  026

  	
   

  	
  8

  	
   

  	
   

  
	
  OBLIGOR
  MAILING ADDRESS 01

  	
   

  	
  027

  	
   

  	
  066

  	
   

  	
  40

  	
   

  	
   

  
	
  OBLIGOR
  MAILING ADDRESS 02

  	
   

  	
  067

  	
   

  	
  106

  	
   

  	
  40

  	
   

  	
   

  
	
  OBLIGOR
  MAILING ADDRESS 03

  	
   

  	
  107

  	
   

  	
  146

  	
   

  	
  40

  	
   

  	
   

  
	
  OBLIGOR
  MAILING ADDRESS 04

  	
   

  	
  147

  	
   

  	
  186

  	
   

  	
  40

  	
   

  	
   

  
	
  OBLIGOR
  MAILING CITY

  	
   

  	
  187

  	
   

  	
  226

  	
   

  	
  40

  	
   

  	
   

  
	
  OBLIGOR
  MAILING STATE

  	
   

  	
  227

  	
   

  	
  228

  	
   

  	
  2

  	
   

  	
   

  
	
  OBLIGOR
  MAILING ZIP

  	
   

  	
  229

  	
   

  	
  237

  	
   

  	
  9

  	
   

  	
   

  
	
  ZIP FIRST 5 POS

  	
   

  	
  229

  	
   

  	
  233

  	
   

  	
  5

  	
   

  	
   

  
	
  ZIP LAST 4 POS

  	
   

  	
  234

  	
   

  	
  237

  	
   

  	
  4

  	
   

  	
   

  
	
  OBLIGOR
  PHYSICAL ADDRESS 01

  	
   

  	
  238

  	
   

  	
  277

  	
   

  	
  40

  	
   

  	
   

  
	
  OBLIGOR
  PHYSICAL ADDRESS 02

  	
   

  	
  278

  	
   

  	
  317

  	
   

  	
  40

  	
   

  	
   

  
	
  OBLIGOR
  PHYSICAL ADDRESS 03

  	
   

  	
  318

  	
   

  	
  357

  	
   

  	
  40

  	
   

  	
   

  
	
  OBLIGOR
  PHYSICAL ADDRESS 04

  	
   

  	
  358

  	
   

  	
  397

  	
   

  	
  40

  	
   

  	
   

  
	
  OBLIGOR
  PHYSICAL CITY

  	
   

  	
  398

  	
   

  	
  437

  	
   

  	
  40

  	
   

  	
   

  
	
  OBLIGOR
  PHYSICAL STATE

  	
   

  	
  438

  	
   

  	
  439

  	
   

  	
  2

  	
   

  	
   

  
	
  OBLIGOR
  PHYSICAL ZIP

  	
   

  	
  440

  	
   

  	
  448

  	
   

  	
  9

  	
   

  	
   

  
	
  ZIP FIRST 5 POS

  	
   

  	
  440

  	
   

  	
  444

  	
   

  	
  5

  	
   

  	
   

  
	
  ZIP LAST 4 POS

  	
   

  	
  445

  	
   

  	
  448

  	
   

  	
  4

  	
   

  	
   

  
	
  OBLIGOR
  HOME PHONE

  	
   

  	
  449

  	
   

  	
  462

  	
   

  	
  14

  	
   

  	
   

  
	
  OBLIGOR HM PH AREA CODE

  	
   

  	
  449

  	
   

  	
  451

  	
   

  	
  3

  	
   

  	
   

  
	
  OBLIGOR HM PH FIRST 3 POS

  	
   

  	
  452

  	
   

  	
  454

  	
   

  	
  3

  	
   

  	
   

  
	
  OBLIGOR HM PH SECOND 4 POS

  	
   

  	
  455

  	
   

  	
  458

  	
   

  	
  4

  	
   

  	
   

  
	
  OBLIGOR HM PH EXTENSION

  	
   

  	
  459

  	
   

  	
  462

  	
   

  	
  4

  	
   

  	
   

  
	
  OBLIGOR
  EXTRA PH 01

  	
   

  	
  463

  	
   

  	
  476

  	
   

  	
  14

  	
   

  	
   

  
	
  OBLIGOR EXTRA PH 01 AREA CODE

  	
   

  	
  463

  	
   

  	
  465

  	
   

  	
  3

  	
   

  	
   

  
	
  OBLIGOR EXTRA PH 01 FIRST 3 POS

  	
   

  	
  466

  	
   

  	
  468

  	
   

  	
  3

  	
   

  	
   

  
	
  OBLIGOR EXTRA PH 01 SECOND 4 POS

  	
   

  	
  469

  	
   

  	
  472

  	
   

  	
  4

  	
   

  	
   

  
	
  OBLIGOR EXTRA PH 01 EXTENSION

  	
   

  	
  473

  	
   

  	
  476

  	
   

  	
  4

  	
   

  	
   

  
	
  OBLIGOR
  EXTRA PH 02

  	
   

  	
  477

  	
   

  	
  490

  	
   

  	
  14

  	
   

  	
   

  
	
  OBLIGOR EXTRA PH 02 AREA CODE

  	
   

  	
  477

  	
   

  	
  479

  	
   

  	
  3

  	
   

  	
   

  
	
  OBLIGOR EXTRA PH 02 FIRST 3 POS

  	
   

  	
  480

  	
   

  	
  482

  	
   

  	
  3

  	
   

  	
   

  
	
  OBLIGOR EXTRA PH 02 SECOND 4 POS

  	
   

  	
  483

  	
   

  	
  486

  	
   

  	
  4

  	
   

  	
   

  
	
  OBLIGOR EXTRA PH 02 EXTENSION

  	
   

  	
  487

  	
   

  	
  490

  	
   

  	
  4

  	
   

  	
   

  
	
  OBLIGOR
  EXTRA PH 03

  	
   

  	
  491

  	
   

  	
  504

  	
   

  	
  14

  	
   

  	
   

  
	
  OBLIGOR EXTRA PH 03 AREA CODE

  	
   

  	
  491

  	
   

  	
  493

  	
   

  	
  3

  	
   

  	
   

  
	
  OBLIGOR EXTRA PH 03 FIRST 3 POS

  	
   

  	
  494

  	
   

  	
  496

  	
   

  	
  3

  	
   

  	
   

  
	
  OBLIGOR EXTRA PH 03 SECOND 4 POS

  	
   

  	
  497

  	
   

  	
  500

  	
   

  	
  4

  	
   

  	
   

  
	
  OBLIGOR EXTRA PH 03 EXTENSION

  	
   

  	
  501

  	
   

  	
  504

  	
   

  	
  4

  	
   

  	
   

  
	
  OBLIGOR
  E-MAIL ADDRESS

  	
   

  	
  505

  	
   

  	
  544

  	
   

  	
  40

  	
   

  	
   

  

 

 Appendix A-8
 

 

 

	
  OBLIGOR SSN OR TAX ID NUMBER

  	
   

  	
  545

  	
   

  	
  553

  	
   

  	
  9

  	
   

  	
   

  
	
  OBLIGOR SSN OR TAX CODE INDICATOR

  	
   

  	
  554

  	
   

  	
  554

  	
   

  	
  1

  	
   

  	
  0 = NONE

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  1 = TAX ID

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  2 = SSN

  
	
  OBLIGOR BIRTH DATE

  	
   

  	
  555

  	
   

  	
  562

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  OBLIGOR EMPLOYER NAME

  	
   

  	
  563

  	
   

  	
  582

  	
   

  	
  20

  	
   

  	
   

  
	
  OBLIGOR EMPLOYER ADDRESS 01

  	
   

  	
  583

  	
   

  	
  600

  	
   

  	
  18

  	
   

  	
   

  
	
  OBLIGOR EMPLOYER CITY

  	
   

  	
  601

  	
   

  	
  615

  	
   

  	
  15

  	
   

  	
   

  
	
  OBLIGOR EMPLOYER STATE

  	
   

  	
  616

  	
   

  	
  617

  	
   

  	
  2

  	
   

  	
   

  
	
  OBLIGOR EMPLOYER ZIP

  	
   

  	
  618

  	
   

  	
  626

  	
   

  	
  9

  	
   

  	
   

  
	
  ZIP FIRST 5 POS

  	
   

  	
  618

  	
   

  	
  622

  	
   

  	
  5

  	
   

  	
   

  
	
  ZIP LAST 4 POS

  	
   

  	
  623

  	
   

  	
  626

  	
   

  	
  4

  	
   

  	
   

  
	
  OBLIGOR EMPLOYER PHONE

  	
   

  	
  627

  	
   

  	
  640

  	
   

  	
  14

  	
   

  	
   

  
	
  OBLIGOR EMPLOYER
  AREA CODE

  	
   

  	
  627

  	
   

  	
  629

  	
   

  	
  3

  	
   

  	
   

  
	
  OBLIGOR EMPLOYER
  PH FIRST 3 POS

  	
   

  	
  630

  	
   

  	
  632

  	
   

  	
  3

  	
   

  	
   

  
	
  OBLIGOR EMPLOYER
  PH SECOND 4 POS

  	
   

  	
  633

  	
   

  	
  636

  	
   

  	
  4

  	
   

  	
   

  
	
  OBLIGOR EMPLOYER
  PH EXTENSION

  	
   

  	
  637

  	
   

  	
  640

  	
   

  	
  4

  	
   

  	
   

  
	
  FILLER

  	
   

  	
  641

  	
   

  	
  650

  	
   

  	
  10

  	
   

  	
   

  

 

 Appendix A-9
 

 

 

	
  RECORD LENGTH = 625

  	
   

  	
  SS03

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS.

  	
   

  	
  ANNOTATIONS

  
	
  ACCOUNT #

  	
   

  	
  001

  	
   

  	
  026

  	
   

  	
  26

  	
   

  	
   

  
	
  BANK CODE

  	
   

  	
  001

  	
   

  	
  002

  	
   

  	
  2

  	
   

  	
   

  
	
  BRANCH CODE

  	
   

  	
  003

  	
   

  	
  005

  	
   

  	
  3

  	
   

  	
   

  
	
  RETAIL/LEASE
  CODE

  	
   

  	
  006

  	
   

  	
  008

  	
   

  	
  3

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  009

  	
   

  	
  018

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  019

  	
   

  	
  026

  	
   

  	
  8

  	
   

  	
   

  
	
  CO-BUYER INFO. (1st occ. Info. Below)

  	
   

  	
  027

  	
   

  	
  215

  	
   

  	
  189

  	
   

  	
  OCCURS 3 TIMES

  
	
  CO-BUYER FIRST
  NAME

  	
   

  	
  027

  	
   

  	
  041

  	
   

  	
  15

  	
   

  	
  OCC. 1 - CO BUYER INFO.

  
	
  CO-BUYER INITIAL

  	
   

  	
  042

  	
   

  	
  042

  	
   

  	
  1

  	
   

  	
  OCC. 2 - 3rd PARTY INFO.

  
	
  CO-BUYER LAST
  NAME

  	
   

  	
  043

  	
   

  	
  062

  	
   

  	
  20

  	
   

  	
  OCC. 3 - 4th PARTY INFO.

  
	
  CO-BUYER NAME
  SUFFIX

  	
   

  	
  063

  	
   

  	
  065

  	
   

  	
  3

  	
   

  	
   

  
	
  CO-BUYER STREET
  ADDRESS

  	
   

  	
  066

  	
   

  	
  095

  	
   

  	
  30

  	
   

  	
   

  
	
  CO-BUYER CITY
  ADDRESS

  	
   

  	
  096

  	
   

  	
  110

  	
   

  	
  15

  	
   

  	
   

  
	
  CO-BUYER STATE

  	
   

  	
  111

  	
   

  	
  112

  	
   

  	
  2

  	
   

  	
   

  
	
  CO-BUYER ZIP

  	
   

  	
  113

  	
   

  	
  121

  	
   

  	
  9

  	
   

  	
   

  
	
  ZIP FIRST 5 POS

  	
   

  	
  113

  	
   

  	
  117

  	
   

  	
  5

  	
   

  	
   

  
	
  ZIP LAST 4 POS

  	
   

  	
  118

  	
   

  	
  121

  	
   

  	
  4

  	
   

  	
   

  
	
  CO-BUYER PHY
  STREET ADDRESS

  	
   

  	
  122

  	
   

  	
  151

  	
   

  	
  30

  	
   

  	
   

  
	
  CO-BUYER PHY
  CITY ADDRESS

  	
   

  	
  152

  	
   

  	
  166

  	
   

  	
  15

  	
   

  	
   

  
	
  CO-BUYER PHY STATE

  	
   

  	
  167

  	
   

  	
  168

  	
   

  	
  2

  	
   

  	
   

  
	
  CO-BUYER PHY ZIP

  	
   

  	
  169

  	
   

  	
  177

  	
   

  	
  9

  	
   

  	
   

  
	
  ZIP FIRST 5 POS

  	
   

  	
  169

  	
   

  	
  173

  	
   

  	
  5

  	
   

  	
   

  
	
  ZIP LAST 4 POS

  	
   

  	
  174

  	
   

  	
  177

  	
   

  	
  4

  	
   

  	
   

  
	
  CO-BUYER HOME
  PHONE

  	
   

  	
  178

  	
   

  	
  187

  	
   

  	
  10

  	
   

  	
   

  
	
  HM PH AREA CODE

  	
   

  	
  178

  	
   

  	
  180

  	
   

  	
  3

  	
   

  	
   

  
	
  HM PH FIRST 3
  POS

  	
   

  	
  181

  	
   

  	
  183

  	
   

  	
  3

  	
   

  	
   

  
	
  HM PH LAST 4 POS

  	
   

  	
  184

  	
   

  	
  187

  	
   

  	
  4

  	
   

  	
   

  
	
  CO-BUYER EXTRA
  PHONE

  	
   

  	
  188

  	
   

  	
  197

  	
   

  	
  10

  	
   

  	
   

  
	
  EXT PH AREA CODE

  	
   

  	
  188

  	
   

  	
  190

  	
   

  	
  3

  	
   

  	
   

  
	
  EXT PH FIRST 3
  POS

  	
   

  	
  191

  	
   

  	
  193

  	
   

  	
  3

  	
   

  	
   

  
	
  EXT PH LAST 4
  POS

  	
   

  	
  194

  	
   

  	
  197

  	
   

  	
  4

  	
   

  	
   

  
	
  CO-BUYER SSN OR
  TAX ID NUMBER

  	
   

  	
  198

  	
   

  	
  206

  	
   

  	
  9

  	
   

  	
   

  
	
  CO-BUYER BIRTH
  DATE

  	
   

  	
  207

  	
   

  	
  214

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  CO-BUYER STATUS

  	
   

  	
  215

  	
   

  	
  215

  	
   

  	
  1

  	
   

  	
  C=COAP

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  G=GAURANTOR

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  O=OFFICER

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  P=PARTNER

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE = NONE

  
	
  FILLER

  	
   

  	
  593

  	
   

  	
  625

  	
   

  	
  32

  	
   

  	
   

  

 

 Appendix A-10
 

 

 

	
  RECORD LENGTH = 125

  	
   

  	
  SS04

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS

  	
   

  	
  ANNOTATIONS

  
	
  ACCOUNT #

  	
   

  	
  001

  	
   

  	
  026

  	
   

  	
  26

  	
   

  	
   

  
	
  BANK CODE

  	
   

  	
  001

  	
   

  	
  002

  	
   

  	
  2

  	
   

  	
   

  
	
  BRANCH CODE

  	
   

  	
  003

  	
   

  	
  005

  	
   

  	
  3

  	
   

  	
   

  
	
  RETAIL/LEASE
  CODE

  	
   

  	
  006

  	
   

  	
  008

  	
   

  	
  3

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  009

  	
   

  	
  018

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  019

  	
   

  	
  026

  	
   

  	
  8

  	
   

  	
   

  
	
  EQUIP. SEQUENCE #

  	
   

  	
  027

  	
   

  	
  029

  	
   

  	
  3

  	
   

  	
   

  
	
  VEHICLE I.D. # (VIN)

  	
   

  	
  030

  	
   

  	
  046

  	
   

  	
  17

  	
   

  	
   

  
	
  VEHICLE MAKE

  	
   

  	
  047

  	
   

  	
  053

  	
   

  	
  7

  	
   

  	
   

  
	
  VEHICLE MODEL

  	
   

  	
  054

  	
   

  	
  060

  	
   

  	
  7

  	
   

  	
   

  
	
  VEHICLE YEAR

  	
   

  	
  061

  	
   

  	
  062

  	
   

  	
  2

  	
   

  	
   

  
	
  VEHICLE NEW/USED CODE

  	
   

  	
  063

  	
   

  	
  063

  	
   

  	
  1

  	
   

  	
  N = NEW

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  U = USED

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  S = CROSS COLLATERAL

  
	
  ORIGINAL SALES PRICE

  	
   

  	
  064

  	
   

  	
  080

  	
   

  	
  17

  	
   

  	
   

  
	
  ORIG SALES PRICE
  SIGN

  	
   

  	
  064

  	
   

  	
  064

  	
   

  	
  1

  	
   

  	
   

  
	
  ORIG SALES PRICE
  DOL

  	
   

  	
  065

  	
   

  	
  077

  	
   

  	
  13

  	
   

  	
   

  
	
  ORIG SALES PRICE
  DCL

  	
   

  	
  078

  	
   

  	
  078

  	
   

  	
  1

  	
   

  	
   

  
	
  ORIG SALES PRICE
  CENTS

  	
   

  	
  079

  	
   

  	
  080

  	
   

  	
  2

  	
   

  	
   

  
	
  WHOLESALE PRICE

  	
   

  	
  081

  	
   

  	
  097

  	
   

  	
  17

  	
   

  	
   

  
	
  WHSALE SIGN

  	
   

  	
  081

  	
   

  	
  081

  	
   

  	
  1

  	
   

  	
   

  
	
  WHSALE DOL

  	
   

  	
  082

  	
   

  	
  094

  	
   

  	
  13

  	
   

  	
   

  
	
  WHSALE DCL

  	
   

  	
  095

  	
   

  	
  095

  	
   

  	
  1

  	
   

  	
   

  
	
  WHSALE CENTS

  	
   

  	
  096

  	
   

  	
  097

  	
   

  	
  2

  	
   

  	
   

  
	
  EQUIP TITLED CODE

  	
   

  	
  098

  	
   

  	
  098

  	
   

  	
  1

  	
   

  	
  Y = YES

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  N = NO

  
	
  EQUIP HRS AT START

  	
   

  	
  099

  	
   

  	
  105

  	
   

  	
  7

  	
   

  	
   

  
	
  EQUIP HRS SIGN

  	
   

  	
  099

  	
   

  	
  099

  	
   

  	
  1

  	
   

  	
   

  
	
  EQUIP HRS HOURS

  	
   

  	
  100

  	
   

  	
  104

  	
   

  	
  5

  	
   

  	
   

  
	
  EQUIP HRS DCL

  	
   

  	
  105

  	
   

  	
  105

  	
   

  	
  1

  	
   

  	
   

  
	
  EQUIP HRS TENTHS

  	
   

  	
  106

  	
   

  	
  107

  	
   

  	
  2

  	
   

  	
   

  
	
  FILLER

  	
   

  	
  108

  	
   

  	
  125

  	
   

  	
  18

  	
   

  	
   

  

 

 Appendix A-11
 

 

 

	
  RECORD LENGTH = 300

  	
   

  	
  SS05

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS

  	
   

  	
  ANNOTATIONS

  
	
  ACCOUNT #

  	
   

  	
  001

  	
   

  	
  026

  	
   

  	
  26

  	
   

  	
   

  
	
  BANK CODE

  	
   

  	
  001

  	
   

  	
  002

  	
   

  	
  2

  	
   

  	
   

  
	
  BRANCH CODE

  	
   

  	
  003

  	
   

  	
  005

  	
   

  	
  3

  	
   

  	
   

  
	
  RETAIL/LEASE
  CODE

  	
   

  	
  006

  	
   

  	
  008

  	
   

  	
  3

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  009

  	
   

  	
  018

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  019

  	
   

  	
  026

  	
   

  	
  8

  	
   

  	
   

  
	
  TRANSACTION SEQ. #

  	
   

  	
  027

  	
   

  	
  031

  	
   

  	
  5

  	
   

  	
   

  
	
  TRANSACTION DATE

  	
   

  	
  032

  	
   

  	
  039

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  TRANSACTION CODE

  	
   

  	
  040

  	
   

  	
  046

  	
   

  	
  7

  	
   

  	
   

  
	
  TRAN CD

  	
   

  	
  040

  	
   

  	
  041

  	
   

  	
  2

  	
   

  	
   

  
	
  TRAN QUAL

  	
   

  	
  042

  	
   

  	
  043

  	
   

  	
  2

  	
   

  	
   

  
	
  TRAN SOURCE

  	
   

  	
  044

  	
   

  	
  046

  	
   

  	
  3

  	
   

  	
   

  
	
  TRANSACTION AMOUNT

  	
   

  	
  047

  	
   

  	
  063

  	
   

  	
  17

  	
   

  	
   

  
	
  TRAN SIGN

  	
   

  	
  047

  	
   

  	
  047

  	
   

  	
  1

  	
   

  	
   

  
	
  TRAN DOL

  	
   

  	
  048

  	
   

  	
  060

  	
   

  	
  13

  	
   

  	
   

  
	
  TRAN DCL

  	
   

  	
  061

  	
   

  	
  061

  	
   

  	
  1

  	
   

  	
   

  
	
  TRAN CENTS

  	
   

  	
  062

  	
   

  	
  063

  	
   

  	
  2

  	
   

  	
   

  
	
  TRANSACTION EFFECTIVE DATE

  	
   

  	
  064

  	
   

  	
  071

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  PAYMENT DATE SATISFIED

  	
   

  	
  072

  	
   

  	
  079

  	
   

  	
  32

  	
   

  	
  CCYYMMDD OCCURS 4 TIMES

  
	
  PRINCIPAL AMOUNT

  	
   

  	
  104

  	
   

  	
  121

  	
   

  	
  17

  	
   

  	
   

  
	
  PRIN SIGN

  	
   

  	
  104

  	
   

  	
  104

  	
   

  	
  1

  	
   

  	
   

  
	
  PRIN DOL

  	
   

  	
  105

  	
   

  	
  117

  	
   

  	
  13

  	
   

  	
   

  
	
  PRIN DCL

  	
   

  	
  118

  	
   

  	
  118

  	
   

  	
  1

  	
   

  	
   

  
	
  PRIN CENTS

  	
   

  	
  119

  	
   

  	
  120

  	
   

  	
  2

  	
   

  	
   

  
	
  INTEREST AMOUNT

  	
   

  	
  121

  	
   

  	
  137

  	
   

  	
  17

  	
   

  	
   

  
	
  INT SIGN

  	
   

  	
  121

  	
   

  	
  121

  	
   

  	
  1

  	
   

  	
   

  
	
  INT DOL

  	
   

  	
  122

  	
   

  	
  134

  	
   

  	
  13

  	
   

  	
   

  
	
  INT DCL

  	
   

  	
  135

  	
   

  	
  135

  	
   

  	
  1

  	
   

  	
   

  
	
  INT CENTS

  	
   

  	
  136

  	
   

  	
  137

  	
   

  	
  2

  	
   

  	
   

  
	
  ACTUARIAL INT. AMOUNT

  	
   

  	
  138

  	
   

  	
  154

  	
   

  	
  17

  	
   

  	
   

  
	
  ACTRL SIGN

  	
   

  	
  138

  	
   

  	
  138

  	
   

  	
  1

  	
   

  	
   

  
	
  ACTRL DOL

  	
   

  	
  139

  	
   

  	
  151

  	
   

  	
  13

  	
   

  	
   

  
	
  ACTRL DCL

  	
   

  	
  152

  	
   

  	
  152

  	
   

  	
  1

  	
   

  	
   

  
	
  ACTRL CENTS

  	
   

  	
  153

  	
   

  	
  154

  	
   

  	
  2

  	
   

  	
   

  
	
  LATE FEE AMOUNT

  	
   

  	
  155

  	
   

  	
  171

  	
   

  	
  17

  	
   

  	
   

  
	
  LTE FEE SIGN

  	
   

  	
  155

  	
   

  	
  155

  	
   

  	
  1

  	
   

  	
   

  
	
  LTE FEE DOL

  	
   

  	
  156

  	
   

  	
  168

  	
   

  	
  13

  	
   

  	
   

  
	
  LTE FEE DCL

  	
   

  	
  169

  	
   

  	
  169

  	
   

  	
  1

  	
   

  	
   

  
	
  LTE FEE CENTS

  	
   

  	
  170

  	
   

  	
  171

  	
   

  	
  2

  	
   

  	
   

  
	
  OTHER AMOUNT

  	
   

  	
  172

  	
   

  	
  188

  	
   

  	
  17

  	
   

  	
   

  
	
  OTH SIGN

  	
   

  	
  172

  	
   

  	
  172

  	
   

  	
  1

  	
   

  	
   

  
	
  OTH DOL

  	
   

  	
  173

  	
   

  	
  185

  	
   

  	
  13

  	
   

  	
   

  
	
  OTH DCL

  	
   

  	
  186

  	
   

  	
  186

  	
   

  	
  1

  	
   

  	
   

  
	
  OTH CENTS

  	
   

  	
  187

  	
   

  	
  188

  	
   

  	
  2

  	
   

  	
   

  
	
  OBLIGOR BAL BEFORE TRANS.

  	
   

  	
  189

  	
   

  	
  205

  	
   

  	
  17

  	
   

  	
   

  
	
  OBL BAL BEF SIGN

  	
   

  	
  189

  	
   

  	
  189

  	
   

  	
  1

  	
   

  	
   

  
	
  OBL BAL BEF DOL

  	
   

  	
  190

  	
   

  	
  202

  	
   

  	
  13

  	
   

  	
   

  
	
  OBL BAL BEF DCL

  	
   

  	
  203

  	
   

  	
  203

  	
   

  	
  1

  	
   

  	
   

  
	
  OBL BAL BEF
  CENTS

  	
   

  	
  204

  	
   

  	
  205

  	
   

  	
  2

  	
   

  	
   

  

 

 Appendix A-12
 

 

 

 

	
  OBLIGOR BAL AFTER TRANS

  	
   

  	
  206

  	
   

  	
  222

  	
   

  	
  17

  	
   

  	
   

  
	
  OBL BAL AFT SIGN

  	
   

  	
  206

  	
   

  	
  206

  	
   

  	
  1

  	
   

  	
   

  
	
  OBL BAL AFT DOL

  	
   

  	
  207

  	
   

  	
  219

  	
   

  	
  13

  	
   

  	
   

  
	
  OBL BAL AFT DCL

  	
   

  	
  220

  	
   

  	
  220

  	
   

  	
  1

  	
   

  	
   

  
	
  OBL BAL AFT
  CENTS

  	
   

  	
  221

  	
   

  	
  222

  	
   

  	
  2

  	
   

  	
   

  
	
  HOLDER BAL BEFORE TRANS

  	
   

  	
  223

  	
   

  	
  239

  	
   

  	
  17

  	
   

  	
   

  
	
  HLD BAL BEF SIGN

  	
   

  	
  223

  	
   

  	
  223

  	
   

  	
  1

  	
   

  	
   

  
	
  HLD BAL BEF DOL

  	
   

  	
  224

  	
   

  	
  236

  	
   

  	
  13

  	
   

  	
   

  
	
  HLD BAL BEF DCL

  	
   

  	
  237

  	
   

  	
  237

  	
   

  	
  1

  	
   

  	
   

  
	
  HLD BAL BEF
  CENTS

  	
   

  	
  238

  	
   

  	
  239

  	
   

  	
  2

  	
   

  	
   

  
	
  HOLDER BAL AFTER TRANS

  	
   

  	
  240

  	
   

  	
  256

  	
   

  	
  17

  	
   

  	
   

  
	
  HLD BAL AFT SIGN

  	
   

  	
  240

  	
   

  	
  240

  	
   

  	
  1

  	
   

  	
   

  
	
  HLD BAL AFT DOL

  	
   

  	
  241

  	
   

  	
  253

  	
   

  	
  13

  	
   

  	
   

  
	
  HLD BAL AFT DCL

  	
   

  	
  254

  	
   

  	
  254

  	
   

  	
  1

  	
   

  	
   

  
	
  HLD BAL AFT
  CENTS

  	
   

  	
  255

  	
   

  	
  256

  	
   

  	
  2

  	
   

  	
   

  
	
  INSTRUMENT

  	
   

  	
  257

  	
   

  	
  259

  	
   

  	
  3

  	
   

  	
  004 = ACH

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  005 = LOCK BOX

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  014 = APS

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  ALL OTHERS = CASH

  
	
  REVERSAL

  	
   

  	
  260

  	
   

  	
  260

  	
   

  	
  1

  	
   

  	
  Y = REVERSAL TRANSACTION

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE = NOT REVERSAL TRAN

  
	
  EFFECTS OBLIGOR BAL.

  	
   

  	
  261

  	
   

  	
  261

  	
   

  	
  1

  	
   

  	
  Y = YES

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  N = NO

  
	
  EFFECTS HOLDER BAL.

  	
   

  	
  262

  	
   

  	
  262

  	
   

  	
  1

  	
   

  	
  Y = YES

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  N = NO

  
	
  TRANSACTION DESCRIPTION

  	
   

  	
  263

  	
   

  	
  282

  	
   

  	
  20

  	
   

  	
   

  
	
  TRANSACTION RATE

  	
   

  	
  283

  	
   

  	
  291

  	
   

  	
  9

  	
   

  	
   

  
	
  TRAN RATE SIGN

  	
   

  	
  283

  	
   

  	
  283

  	
   

  	
  1

  	
   

  	
   

  
	
  TRAN RATE DCL

  	
   

  	
  284

  	
   

  	
  284

  	
   

  	
  1

  	
   

  	
   

  
	
  TRAN RATE RATE

  	
   

  	
  285

  	
   

  	
  291

  	
   

  	
  7

  	
   

  	
   

  
	
  FILLER

  	
   

  	
  292

  	
   

  	
  300

  	
   

  	
  9

  	
   

  	
   

  

 

 Appendix A-13

 

 

	
  RECORD LENGTH = 850

  	
   

  	
  SS06

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS

  	
   

  	
  ANNOTATION

  
	
  ACCOUNT #

  	
   

  	
  001

  	
   

  	
  026

  	
   

  	
  26

  	
   

  	
   

  
	
  BANK CODE

  	
   

  	
  001

  	
   

  	
  002

  	
   

  	
  2

  	
   

  	
   

  
	
  BRANCH CODE

  	
   

  	
  003

  	
   

  	
  005

  	
   

  	
  3

  	
   

  	
   

  
	
  RETAIL/LEASE
  CODE

  	
   

  	
  006

  	
   

  	
  008

  	
   

  	
  3

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  009

  	
   

  	
  018

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  019

  	
   

  	
  026

  	
   

  	
  8

  	
   

  	
   

  
	
  USER

  	
   

  	
  027

  	
   

  	
  066

  	
   

  	
  40

  	
   

  	
   

  
	
  COMMENT DATE

  	
   

  	
  067

  	
   

  	
  074

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  COMMENT TIME

  	
   

  	
  075

  	
   

  	
  080

  	
   

  	
  6

  	
   

  	
  HHMMSS

  
	
  COMMENT TEXT

  	
   

  	
  081

  	
   

  	
  830

  	
   

  	
  750

  	
   

  	
   

  
	
  FILLER

  	
   

  	
  831

  	
   

  	
  850

  	
   

  	
  20

  	
   

  	
   

  

 

 

 

 

	
  RECORD LENGTH = 275

  	
   

  	
  SS07

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS

  	
   

  	
  ANNOTATION

  
	
  ACCOUNT #

  	
   

  	
  001

  	
   

  	
  029

  	
   

  	
  26

  	
   

  	
   

  
	
  BANK CODE

  	
   

  	
  001

  	
   

  	
  002

  	
   

  	
  2

  	
   

  	
   

  
	
  BRANCH CODE

  	
   

  	
  003

  	
   

  	
  005

  	
   

  	
  3

  	
   

  	
   

  
	
  RETAIL/LEASE
  CODE

  	
   

  	
  006

  	
   

  	
  008

  	
   

  	
  3

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  009

  	
   

  	
  018

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  019

  	
   

  	
  026

  	
   

  	
  8

  	
   

  	
   

  
	
  SEQUENCE #

  	
   

  	
  027

  	
   

  	
  029

  	
   

  	
  3

  	
   

  	
   

  
	
  DATE AUTHORIZED FOR REPO.

  	
   

  	
  030

  	
   

  	
  037

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  REPO. ASSIGNMENT DATE

  	
   

  	
  038

  	
   

  	
  045

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  REPO. SALES LOCATION

  	
   

  	
  046

  	
   

  	
  085

  	
   

  	
  40

  	
   

  	
   

  
	
  DATE REPOSSESSED

  	
   

  	
  086

  	
   

  	
  093

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  BALANCE AT REPOSSESSION

  	
   

  	
  094

  	
   

  	
  110

  	
   

  	
  17

  	
   

  	
   

  
	
  REPO BAL SIGN

  	
   

  	
  094

  	
   

  	
  094

  	
   

  	
  1

  	
   

  	
   

  
	
  REPO BAL DOL

  	
   

  	
  095

  	
   

  	
  107

  	
   

  	
  13

  	
   

  	
   

  
	
  REPO BAL DCL

  	
   

  	
  108

  	
   

  	
  108

  	
   

  	
  1

  	
   

  	
   

  
	
  REPO BAL CENTS

  	
   

  	
  109

  	
   

  	
  110

  	
   

  	
  2

  	
   

  	
   

  
	
  INTEREST DUE AT REPO.

  	
   

  	
  111

  	
   

  	
  127

  	
   

  	
  17

  	
   

  	
   

  
	
  REPO INT DUE
  SIGN

  	
   

  	
  111

  	
   

  	
  111

  	
   

  	
  1

  	
   

  	
   

  
	
  REPO INT DUE DOL

  	
   

  	
  112

  	
   

  	
  124

  	
   

  	
  13

  	
   

  	
   

  
	
  REPO INT DUE DCL

  	
   

  	
  125

  	
   

  	
  125

  	
   

  	
  1

  	
   

  	
   

  
	
  REPO INT DUE
  CENTS

  	
   

  	
  126

  	
   

  	
  127

  	
   

  	
  2

  	
   

  	
   

  
	
  ALLOW REINSTATEMENT

  	
   

  	
  128

  	
   

  	
  128

  	
   

  	
  1

  	
   

  	
  Y = YES (Always ‘Y’)

  
	
  NOTICE OF INTENT EXPIR. DATE

  	
   

  	
  129

  	
   

  	
  136

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  AUCTION REPORT RECEIVED DATE

  	
   

  	
  137

  	
   

  	
  144

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  DATE VEHICLE SOLD

  	
   

  	
  145

  	
   

  	
  152

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  GROSS AMOUNT OF SALE

  	
   

  	
  153

  	
   

  	
  169

  	
   

  	
  17

  	
   

  	
   

  
	
  GROSS SALE SIGN

  	
   

  	
  153

  	
   

  	
  153

  	
   

  	
  1

  	
   

  	
   

  
	
  GROSS SALE DOL

  	
   

  	
  154

  	
   

  	
  166

  	
   

  	
  13

  	
   

  	
   

  
	
  GROSS SALE DCL

  	
   

  	
  167

  	
   

  	
  167

  	
   

  	
  1

  	
   

  	
   

  
	
  GROSS SALE CENTS

  	
   

  	
  168

  	
   

  	
  169

  	
   

  	
  2

  	
   

  	
   

  
	
  NET AUCTION FEES

  	
   

  	
  170

  	
   

  	
  186

  	
   

  	
  17

  	
   

  	
   

  
	
  NET AUCTION SIGN

  	
   

  	
  170

  	
   

  	
  170

  	
   

  	
  1

  	
   

  	
   

  
	
  NET AUCTION DOL

  	
   

  	
  171

  	
   

  	
  183

  	
   

  	
  13

  	
   

  	
   

  
	
  NET AUCTION DCL

  	
   

  	
  184

  	
   

  	
  184

  	
   

  	
  1

  	
   

  	
   

  
	
  NET AUCTION
  CENTS

  	
   

  	
  185

  	
   

  	
  186

  	
   

  	
  2

  	
   

  	
   

  
	
  REPO. FEE AMOUNT

  	
   

  	
  187

  	
   

  	
  203

  	
   

  	
  17

  	
   

  	
   

  
	
  REPO FEE SIGN

  	
   

  	
  187

  	
   

  	
  187

  	
   

  	
  1

  	
   

  	
   

  
	
  REPO FEE DOL

  	
   

  	
  188

  	
   

  	
  200

  	
   

  	
  13

  	
   

  	
   

  
	
  REPO FEE DCL

  	
   

  	
  201

  	
   

  	
  201

  	
   

  	
  1

  	
   

  	
   

  
	
  REPO FEE CENTS

  	
   

  	
  202

  	
   

  	
  203

  	
   

  	
  2

  	
   

  	
   

  
	
  TRANSPORTATION FEES

  	
   

  	
  204

  	
   

  	
  220

  	
   

  	
  17

  	
   

  	
   

  
	
  TRANSPORT FEE
  SIGN

  	
   

  	
  204

  	
   

  	
  204

  	
   

  	
  1

  	
   

  	
   

  
	
  TRANSPORT FEE
  DOL

  	
   

  	
  205

  	
   

  	
  217

  	
   

  	
  13

  	
   

  	
   

  
	
  TRANSPORT FEE
  DCL

  	
   

  	
  218

  	
   

  	
  218

  	
   

  	
  1

  	
   

  	
   

  
	
  TRANSPORT FEE
  CENTS

  	
   

  	
  219

  	
   

  	
  220

  	
   

  	
  2

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  STORAGE FEES

  	
   

  	
  221

  	
   

  	
  237

  	
   

  	
  17

  	
   

  	
   

  
	
  STORAGE FEE SIGN

  	
   

  	
  221

  	
   

  	
  221

  	
   

  	
  1

  	
   

  	
   

  
	
  STORAGE FEE DOL

  	
   

  	
  222

  	
   

  	
  234

  	
   

  	
  13

  	
   

  	
   

  
	
  STORAGE FEE DCL

  	
   

  	
  235

  	
   

  	
  235

  	
   

  	
  1

  	
   

  	
   

  
	
  STORAGE FEE
  CENTS

  	
   

  	
  236

  	
   

  	
  237

  	
   

  	
  2

  	
   

  	
   

  
	
  RECONDITIONING FEES

  	
   

  	
  238

  	
   

  	
  254

  	
   

  	
  17

  	
   

  	
   

  
	
  RECON FEES SIGN

  	
   

  	
  238

  	
   

  	
  238

  	
   

  	
  1

  	
   

  	
   

  
	
  RECON FEES DOL

  	
   

  	
  239

  	
   

  	
  251

  	
   

  	
  13

  	
   

  	
   

  
	
  RECON FEES DCL

  	
   

  	
  252

  	
   

  	
  252

  	
   

  	
  1

  	
   

  	
   

  
	
  RECON FEES CENTS

  	
   

  	
  253

  	
   

  	
  254

  	
   

  	
  2

  	
   

  	
   

  
	
  FILLER

  	
   

  	
  255

  	
   

  	
  275

  	
   

  	
  21

  	
   

  	
   

  

 

 

 

 

	
  RECORD
  LENGTH = 75

  	
   

  	
  SS08

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS

  	
   

  	
  ANNOTATION

  
	
  ACCOUNT #

  	
   

  	
  001

  	
   

  	
  026

  	
   

  	
  26

  	
   

  	
   

  
	
  BANK CODE

  	
   

  	
  001

  	
   

  	
  002

  	
   

  	
  2

  	
   

  	
   

  
	
  BRANCH CODE

  	
   

  	
  003

  	
   

  	
  005

  	
   

  	
  3

  	
   

  	
   

  
	
  RETAIL/LEASE
  CODE

  	
   

  	
  006

  	
   

  	
  008

  	
   

  	
  3

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  009

  	
   

  	
  018

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  019

  	
   

  	
  026

  	
   

  	
  8

  	
   

  	
   

  
	
  BK FILED DATE

  	
   

  	
  027

  	
   

  	
  034

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  BK CHAPTER FILED

  	
   

  	
  035

  	
   

  	
  037

  	
   

  	
  3

  	
   

  	
   

  
	
  BK CLOSE DATE

  	
   

  	
  038

  	
   

  	
  045

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  BK CLOSE REASON

  	
   

  	
  046

  	
   

  	
  047

  	
   

  	
  2

  	
   

  	
  RE = REAFFIRMED

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  LS = LIFT STAYED

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  DM = DISMISSED

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  DS = DISCHARGED

  
	
  DISCHARGE DATE

  	
   

  	
  048

  	
   

  	
  055

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  FILLER

  	
   

  	
  056

  	
   

  	
  075

  	
   

  	
  20

  	
   

  	
   

  

 

 

 

	
  RECORD LENGTH = 200

  	
   

  	
  SS09

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS

  	
   

  	
  ANNOTATION

  
	
  ACCOUNT #

  	
   

  	
  001

  	
   

  	
  026

  	
   

  	
  26

  	
   

  	
   

  
	
  BANK CODE

  	
   

  	
  001

  	
   

  	
  002

  	
   

  	
  2

  	
   

  	
   

  
	
  BRANCH CODE

  	
   

  	
  003

  	
   

  	
  005

  	
   

  	
  3

  	
   

  	
   

  
	
  RETAIL/LEASE
  CODE

  	
   

  	
  006

  	
   

  	
  008

  	
   

  	
  3

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  009

  	
   

  	
  018

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  019

  	
   

  	
  026

  	
   

  	
  8

  	
   

  	
   

  
	
  CUSTOM CREDIT SCORE

  	
   

  	
  027

  	
   

  	
  032

  	
   

  	
  6

  	
   

  	
   

  
	
  CUST CR SIGN

  	
   

  	
  027

  	
   

  	
  027

  	
   

  	
  1

  	
   

  	
   

  
	
  CUST CR SCORE

  	
   

  	
  028

  	
   

  	
  032

  	
   

  	
  5

  	
   

  	
   

  
	
  EDAS SCORE

  	
   

  	
  033

  	
   

  	
  037

  	
   

  	
  5

  	
   

  	
   

  
	
  EDAS SIGN

  	
   

  	
  033

  	
   

  	
  033

  	
   

  	
  1

  	
   

  	
   

  
	
  EDAS SCORE

  	
   

  	
  034

  	
   

  	
  037

  	
   

  	
  4

  	
   

  	
   

  
	
  BOOK VALUE - INVOICE

  	
   

  	
  038

  	
   

  	
  054

  	
   

  	
  17

  	
   

  	
   

  
	
  BK VALUE SIGN

  	
   

  	
  038

  	
   

  	
  038

  	
   

  	
  1

  	
   

  	
   

  
	
  BK VALUE DOL

  	
   

  	
  039

  	
   

  	
  051

  	
   

  	
  13

  	
   

  	
   

  
	
  BK VALUE DCL

  	
   

  	
  052

  	
   

  	
  052

  	
   

  	
  1

  	
   

  	
   

  
	
  BK VALUE CENTS

  	
   

  	
  053

  	
   

  	
  054

  	
   

  	
  2

  	
   

  	
   

  
	
  DRIVERS LICENSE NUMBER

  	
   

  	
  055

  	
   

  	
  078

  	
   

  	
  24

  	
   

  	
   

  
	
  DRIVERS LICENSE STATE

  	
   

  	
  079

  	
   

  	
  080

  	
   

  	
  2

  	
   

  	
   

  
	
  APPLICATION DATE

  	
   

  	
  081

  	
   

  	
  088

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  LOAN TO VALUE RATIO

  	
   

  	
  089

  	
   

  	
  097

  	
   

  	
  9

  	
   

  	
   

  
	
  LOAN TO VALUE
  SIGN

  	
   

  	
  089

  	
   

  	
  089

  	
   

  	
  1

  	
   

  	
   

  
	
  LOAN TO VALUE
  LEFT

  	
   

  	
  090

  	
   

  	
  094

  	
   

  	
  5

  	
   

  	
   

  
	
  LOAN TO VALUE
  DCL

  	
   

  	
  095

  	
   

  	
  095

  	
   

  	
  1

  	
   

  	
   

  
	
  LOAN TO VALUE
  RIGHT

  	
   

  	
  096

  	
   

  	
  097

  	
   

  	
  2

  	
   

  	
   

  
	
  DOWN PAYMENT

  	
   

  	
  098

  	
   

  	
  114

  	
   

  	
  17

  	
   

  	
   

  
	
  DN PYMT SIGN

  	
   

  	
  098

  	
   

  	
  098

  	
   

  	
  1

  	
   

  	
   

  
	
  DN PYMT DOL

  	
   

  	
  099

  	
   

  	
  111

  	
   

  	
  13

  	
   

  	
   

  
	
  DN PYMT DCL

  	
   

  	
  112

  	
   

  	
  112

  	
   

  	
  1

  	
   

  	
   

  
	
  DN PYMT CENTS

  	
   

  	
  113

  	
   

  	
  114

  	
   

  	
  2

  	
   

  	
   

  
	
  TRADE IN AMOUNT

  	
   

  	
  115

  	
   

  	
  131

  	
   

  	
  17

  	
   

  	
   

  
	
  TR IN SIGN

  	
   

  	
  115

  	
   

  	
  115

  	
   

  	
  1

  	
   

  	
   

  
	
  TR IN DOL

  	
   

  	
  116

  	
   

  	
  128

  	
   

  	
  13

  	
   

  	
   

  
	
  TR IN DCL

  	
   

  	
  129

  	
   

  	
  129

  	
   

  	
  1

  	
   

  	
   

  
	
  TR IN CENTS

  	
   

  	
  130

  	
   

  	
  131

  	
   

  	
  2

  	
   

  	
   

  
	
  TOTAL ORIGINATION FEES

  	
   

  	
  132

  	
   

  	
  148

  	
   

  	
  17

  	
   

  	
   

  
	
  TOT ORIG SIGN

  	
   

  	
  132

  	
   

  	
  132

  	
   

  	
  1

  	
   

  	
   

  
	
  TOT ORIG DOL

  	
   

  	
  133

  	
   

  	
  145

  	
   

  	
  13

  	
   

  	
   

  
	
  TOT ORIG DCL

  	
   

  	
  146

  	
   

  	
  146

  	
   

  	
  1

  	
   

  	
   

  
	
  TOT ORIG CENTS

  	
   

  	
  147

  	
   

  	
  148

  	
   

  	
  2

  	
   

  	
   

  
	
  TOTAL COST OF SOFT ADDS

  	
   

  	
  149

  	
   

  	
  165

  	
   

  	
  17

  	
   

  	
   

  
	
  TOT CST SIGN

  	
   

  	
  149

  	
   

  	
  149

  	
   

  	
  1

  	
   

  	
   

  
	
  TOT CST DOL

  	
   

  	
  150

  	
   

  	
  162

  	
   

  	
  13

  	
   

  	
   

  
	
  TOT CST DCL

  	
   

  	
  163

  	
   

  	
  163

  	
   

  	
  1

  	
   

  	
   

  
	
  TOT CST CENTS

  	
   

  	
  164

  	
   

  	
  165

  	
   

  	
  2

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  TOTAL TAXES

  	
   

  	
  166

  	
   

  	
  182

  	
   

  	
  17

  	
   

  	
   

  
	
  TOT TAX SIGN

  	
   

  	
  166

  	
   

  	
  166

  	
   

  	
  1

  	
   

  	
   

  
	
  TOT TAX DOL

  	
   

  	
  167

  	
   

  	
  179

  	
   

  	
  13

  	
   

  	
   

  
	
  TOT TAX DCL

  	
   

  	
  180

  	
   

  	
  180

  	
   

  	
  1

  	
   

  	
   

  
	
  TOT TAX CENTS

  	
   

  	
  181

  	
   

  	
  182

  	
   

  	
  2

  	
   

  	
   

  
	
  FILLER

  	
   

  	
  183

  	
   

  	
  200

  	
   

  	
  18

  	
   

  	
   

  

 

 

 

	
  RECORD LENGTH = 275

  	
   

  	
  SS10

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS

  	
   

  	
  ANNOTATION

  
	
  ACCOUNT #

  	
   

  	
  001

  	
   

  	
  026

  	
   

  	
  26

  	
   

  	
   

  
	
  BANK CODE

  	
   

  	
  001

  	
   

  	
  002

  	
   

  	
  2

  	
   

  	
   

  
	
  BRANCH CODE

  	
   

  	
  003

  	
   

  	
  005

  	
   

  	
  3

  	
   

  	
   

  
	
  RETAIL/LEASE
  CODE

  	
   

  	
  006

  	
   

  	
  008

  	
   

  	
  3

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  009

  	
   

  	
  018

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  019

  	
   

  	
  026

  	
   

  	
  8

  	
   

  	
   

  
	
  DEALER ADDRESS 01

  	
   

  	
  027

  	
   

  	
  066

  	
   

  	
  40

  	
   

  	
   

  
	
  DEALER ADDRESS 02

  	
   

  	
  067

  	
   

  	
  106

  	
   

  	
  40

  	
   

  	
   

  
	
  DEALER ADDRESS 03

  	
   

  	
  107

  	
   

  	
  146

  	
   

  	
  40

  	
   

  	
   

  
	
  DEALER ADDRESS 04

  	
   

  	
  147

  	
   

  	
  186

  	
   

  	
  40

  	
   

  	
   

  
	
  DEALER ADDRESS CITY

  	
   

  	
  187

  	
   

  	
  226

  	
   

  	
  40

  	
   

  	
   

  
	
  DEALER ADDRESS STATE

  	
   

  	
  227

  	
   

  	
  228

  	
   

  	
  2

  	
   

  	
   

  
	
  DEALER ZIP

  	
   

  	
  229

  	
   

  	
  237

  	
   

  	
  9

  	
   

  	
   

  
	
  DLR ZIP FIRST 5

  	
   

  	
  229

  	
   

  	
  233

  	
   

  	
  5

  	
   

  	
   

  
	
  DLR ZIP LAST 4

  	
   

  	
  234

  	
   

  	
  237

  	
   

  	
  4

  	
   

  	
   

  
	
  OFFICE PHONE

  	
   

  	
  238

  	
   

  	
  251

  	
   

  	
  14

  	
   

  	
   

  
	
  OFF PH AREA CODE

  	
   

  	
  238

  	
   

  	
  240

  	
   

  	
  3

  	
   

  	
   

  
	
  OFF PH FIRST 3
  POS

  	
   

  	
  241

  	
   

  	
  243

  	
   

  	
  3

  	
   

  	
   

  
	
  OFF PH LAST 4
  POS

  	
   

  	
  244

  	
   

  	
  247

  	
   

  	
  4

  	
   

  	
   

  
	
  OFF PH EXTENSION

  	
   

  	
  248

  	
   

  	
  251

  	
   

  	
  4

  	
   

  	
   

  
	
  FAX

  	
   

  	
  252

  	
   

  	
  265

  	
   

  	
  14

  	
   

  	
   

  
	
  FAX AREA CODE

  	
   

  	
  252

  	
   

  	
  254

  	
   

  	
  3

  	
   

  	
   

  
	
  FAX FIRST 3 POS

  	
   

  	
  255

  	
   

  	
  257

  	
   

  	
  3

  	
   

  	
   

  
	
  FAX LAST 4 POS

  	
   

  	
  258

  	
   

  	
  261

  	
   

  	
  4

  	
   

  	
   

  
	
  FAX EXTENSION

  	
   

  	
  262

  	
   

  	
  265

  	
   

  	
  4

  	
   

  	
   

  
	
  FILLER

  	
   

  	
  266

  	
   

  	
  275

  	
   

  	
  10

  	
   

  	
   

  

 

 

 

	
  RECORD LENGTH = 375

  	
   

  	
  SS11

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS

  	
   

  	
  ANNOTATION

  
	
  ACCOUNT #

  	
   

  	
  001

  	
   

  	
  026

  	
   

  	
  26

  	
   

  	
   

  
	
  BANK CODE

  	
   

  	
  001

  	
   

  	
  002

  	
   

  	
  2

  	
   

  	
   

  
	
  BRANCH CODE

  	
   

  	
  003

  	
   

  	
  005

  	
   

  	
  3

  	
   

  	
   

  
	
  RETAIL/LEASE
  CODE

  	
   

  	
  006

  	
   

  	
  008

  	
   

  	
  3

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  009

  	
   

  	
  018

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  019

  	
   

  	
  026

  	
   

  	
  8

  	
   

  	
   

  
	
  COMMENT SEQUENCE #

  	
   

  	
  027

  	
   

  	
  029

  	
   

  	
  3

  	
   

  	
   

  
	
  COMMENT DATA (1st occ. Info. Below)

  	
   

  	
  030

  	
   

  	
  341

  	
   

  	
  312

  	
   

  	
  4 OCCURRENCES

  
	
  SCRATCH PAD DATA

  	
   

  	
  030

  	
   

  	
  104

  	
   

  	
  75

  	
   

  	
   

  
	
  SCRATCH PAD USER

  	
   

  	
  105

  	
   

  	
  107

  	
   

  	
  3

  	
   

  	
   

  
	
  OPEN DATE

  	
   

  	
  342

  	
   

  	
  349

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  SVC CODE

  	
   

  	
  350

  	
   

  	
  352

  	
   

  	
  3

  	
   

  	
   

  
	
  CLOSE DATE

  	
   

  	
  353

  	
   

  	
  360

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  FILLER

  	
   

  	
  361

  	
   

  	
  375

  	
   

  	
  15

  	
   

  	
   

  

 

 

APPENDIX B

MONTHLY DATA FILES

 Appendix B-1
 

 

 

	
  Record length = 100

  	
   

  	
  LOS01

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS

  	
   

  	
  ANNOTATIONS

  
	
  ENTITY

  	
   

  	
  001

  	
   

  	
  005

  	
   

  	
  5

  	
   

  	
   

  
	
  COST CENTER

  	
   

  	
  006

  	
   

  	
  011

  	
   

  	
  6

  	
   

  	
   

  
	
  POOL IDENTIFIER

  	
   

  	
  012

  	
   

  	
  014

  	
   

  	
  3

  	
   

  	
   

  
	
  SUB POOL IDENTIFIER

  	
   

  	
  015

  	
   

  	
  024

  	
   

  	
  10

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  025

  	
   

  	
  034

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  035

  	
   

  	
  042

  	
   

  	
  8

  	
   

  	
   

  
	
  MT CODE

  	
   

  	
  043

  	
   

  	
  045

  	
   

  	
  3

  	
   

  	
   

  
	
  TRANSACTION CODE

  	
   

  	
  046

  	
   

  	
  047

  	
   

  	
  2

  	
   

  	
  WILL HAVE ‘MT’ IF FEED IS FROM MT,

  OTHERWISE THE CL TRANS. CODE.

  
	
  TRANSACTION CODE QUALIFIER

  	
   

  	
  048

  	
   

  	
  049

  	
   

  	
  2

  	
   

  	
   

  
	
  TRANSACTION DATE

  	
   

  	
  050

  	
   

  	
  057

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  BUSINESS LINE

  	
   

  	
  058

  	
   

  	
  059

  	
   

  	
  2

  	
   

  	
   

  
	
  ACKTBL TRANSACTION CODE

  	
   

  	
  060

  	
   

  	
  062

  	
   

  	
  3

  	
   

  	
   

  
	
  TRANSACTION AMOUNT

  	
   

  	
  063

  	
   

  	
  079

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  063

  	
   

  	
  063

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  064

  	
   

  	
  076

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  077

  	
   

  	
  077

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  078

  	
   

  	
  079

  	
   

  	
  2

  	
   

  	
   

  
	
  GL ACCOUNT NUMBER

  	
   

  	
  080

  	
   

  	
  093

  	
   

  	
  14

  	
   

  	
   

  
	
  ACCOUNT

  	
   

  	
  080

  	
   

  	
  089

  	
   

  	
  10

  	
   

  	
   

  
	
  SUB ACCOUNT
  NUMBER

  	
   

  	
  090

  	
   

  	
  093

  	
   

  	
  4

  	
   

  	
   

  
	
  VARIABLE RATE TYPE

  	
   

  	
  094

  	
   

  	
  095

  	
   

  	
  2

  	
   

  	
   

  
	
  FILLER

  	
   

  	
  094

  	
   

  	
  100

  	
   

  	
  5

  	
   

  	
   

  

 

 Appendix B-2
 

 

 

 

	
  Record length = 3775

  	
   

  	
  SS01

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS.

  	
   

  	
  ANNOTATIONS

  
	
  ACCOUNT #

  	
   

  	
  0001

  	
   

  	
  0026

  	
   

  	
  26

  	
   

  	
   

  
	
  BANK CODE

  	
   

  	
  0001

  	
   

  	
  0002

  	
   

  	
  2

  	
   

  	
   

  
	
  BRANCH CODE

  	
   

  	
  0003

  	
   

  	
  0005

  	
   

  	
  3

  	
   

  	
   

  
	
  RETAIL/LEASE
  CODE

  	
   

  	
  0006

  	
   

  	
  0008

  	
   

  	
  3

  	
   

  	
   

  
	
  CUSTOMER #

  	
   

  	
  0009

  	
   

  	
  0018

  	
   

  	
  10

  	
   

  	
   

  
	
  NOTE #

  	
   

  	
  0019

  	
   

  	
  0026

  	
   

  	
  8

  	
   

  	
   

  
	
  POOL IDENTIFIER

  	
   

  	
  0027

  	
   

  	
  0029

  	
   

  	
  3

  	
   

  	
   

  
	
  SUB POOL IDENTIFIER

  	
   

  	
  0030

  	
   

  	
  0039

  	
   

  	
  10

  	
   

  	
   

  
	
  CONTRACT DATE

  	
   

  	
  0040

  	
   

  	
  0047

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  ORIGINAL MATURITY DATE

  	
   

  	
  0048

  	
   

  	
  0055

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  CURRENT MATURITY DATE

  	
   

  	
  0056

  	
   

  	
  0063

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  ORIGINAL AMOUNT FINANCED

  	
   

  	
  0064

  	
   

  	
  0080

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0064

  	
   

  	
  0064

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0065

  	
   

  	
  0077

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0078

  	
   

  	
  0078

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0079

  	
   

  	
  0080

  	
   

  	
  2

  	
   

  	
   

  
	
  CURRENT OBLIGOR BALANCE

  	
   

  	
  0081

  	
   

  	
  0097

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0081

  	
   

  	
  0081

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0082

  	
   

  	
  0094

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0095

  	
   

  	
  0095

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0096

  	
   

  	
  0097

  	
   

  	
  2

  	
   

  	
   

  
	
  CURRENT HOLDER BALANCE

  	
   

  	
  0098

  	
   

  	
  0114

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0098

  	
   

  	
  0098

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0099

  	
   

  	
  0111

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0112

  	
   

  	
  0112

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0113

  	
   

  	
  0114

  	
   

  	
  2

  	
   

  	
   

  
	
  FIRST DUE DATE

  	
   

  	
  0115

  	
   

  	
  0122

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  NEXT DUE DATE

  	
   

  	
  0123

  	
   

  	
  0130

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  NEXT PAYMENT AMOUNT

  	
   

  	
  0131

  	
   

  	
  0147

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0131

  	
   

  	
  0131

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0132

  	
   

  	
  0144

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0145

  	
   

  	
  0145

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0146

  	
   

  	
  0147

  	
   

  	
  2

  	
   

  	
   

  
	
  CURRENT INTEREST RATE (APR)

  	
   

  	
  0148

  	
   

  	
  0155

  	
   

  	
  8

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0148

  	
   

  	
  0148

  	
   

  	
  1

  	
   

  	
   

  
	
  LEFT OF DECIMAL

  	
   

  	
  0149

  	
   

  	
  0149

  	
   

  	
  1

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0150

  	
   

  	
  0150

  	
   

  	
  1

  	
   

  	
   

  
	
  RIGHT OF DECIMAL

  	
   

  	
  0151

  	
   

  	
  0155

  	
   

  	
  5

  	
   

  	
   

  
	
  ORIGINAL TERMS

  	
   

  	
  0156

  	
   

  	
  0158

  	
   

  	
  3

  	
   

  	
   

  
	
  PAYMENT METHOD

  	
   

  	
  0159

  	
   

  	
  0159

  	
   

  	
  1

  	
   

  	
  C=COUPON

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  A=ACH

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  B=BILL

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  N=NO BILL

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  INTEREST TYPE

  	
   

  	
  0160

  	
   

  	
  0161

  	
   

  	
  2

  	
   

  	
  00 = SIMPLE INTEREST

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  01=SIMPLE INTEREST

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  02=78’S INTEREST

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  03=STRIGHT LINE INTEREST

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  04=SIMPLE
  INTEREST (ON

  SCHEDULED PRIN. BAL.)

  FOR LOANS W/AMORTIZED

  PAYMENT SCHEDULE.

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  05=SIMPLE INT. AVERAGE BAL.

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  07=SIMPLE INT. W/BALANCE

  

 

 Appendix B-3
 

 

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS.

  	
   

  	
  ANNOTATIONS

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPREAD
  RATE ADJ.

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  08=ACTURIAL

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  09=SUM OF BALANCE

  
	
  # OF DAYS LATE TO ASSESS LATE FEES

  	
   

  	
  0162

  	
   

  	
  0164

  	
   

  	
  3

  	
   

  	
   

  
	
  LATE FEE AMOUNT

  	
   

  	
  0165

  	
   

  	
  0181

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0165

  	
   

  	
  0165

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0166

  	
   

  	
  0178

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0179

  	
   

  	
  0179

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0180

  	
   

  	
  0181

  	
   

  	
  2

  	
   

  	
   

  
	
  LATE FEE PERCENT

  	
   

  	
  0182

  	
   

  	
  0189

  	
   

  	
  8

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0182

  	
   

  	
  0182

  	
   

  	
  1

  	
   

  	
   

  
	
  LEFT OF DECIMAL

  	
   

  	
  0183

  	
   

  	
  0183

  	
   

  	
  1

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0184

  	
   

  	
  0184

  	
   

  	
  1

  	
   

  	
   

  
	
  RIGHT OF DECIMAL

  	
   

  	
  0185

  	
   

  	
  0189

  	
   

  	
  5

  	
   

  	
   

  
	
  INTEREST PAID THROUGH DATE

  	
   

  	
  0190

  	
   

  	
  0197

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  INTEREST ACCRUED/UNPAID AT TRANSFER

  	
   

  	
  0198

  	
   

  	
  0214

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0198

  	
   

  	
  0198

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0199

  	
   

  	
  0211

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0212

  	
   

  	
  0212

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0213

  	
   

  	
  0214

  	
   

  	
  2

  	
   

  	
   

  
	
  LATE FEES DUE

  	
   

  	
  0215

  	
   

  	
  0231

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0215

  	
   

  	
  0215

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0216

  	
   

  	
  0228

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0229

  	
   

  	
  0229

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0230

  	
   

  	
  0231

  	
   

  	
  2

  	
   

  	
   

  
	
  OTHER AMOUNT DUE

  	
   

  	
  0232

  	
   

  	
  0248

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0232

  	
   

  	
  0232

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0233

  	
   

  	
  0245

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0246

  	
   

  	
  0246

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0247

  	
   

  	
  0248

  	
   

  	
  2

  	
   

  	
   

  
	
  REMAINING TERM

  	
   

  	
  0249

  	
   

  	
  0251

  	
   

  	
  3

  	
   

  	
   

  
	
  CHARGE OFF DATE

  	
   

  	
  0252

  	
   

  	
  0259

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  CHARGE OFF AMOUNT

  	
   

  	
  0260

  	
   

  	
  0276

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0260

  	
   

  	
  0260

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0261

  	
   

  	
  0273

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0274

  	
   

  	
  0274

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0275

  	
   

  	
  0276

  	
   

  	
  2

  	
   

  	
   

  
	
  CONTRACT STATE (DEALER)

  	
   

  	
  0277

  	
   

  	
  0278

  	
   

  	
  2

  	
   

  	
   

  
	
  LAST PAYMENT DATE

  	
   

  	
  0279

  	
   

  	
  0286

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  TIMES PAST DUE DATA (1st occ. Info. Below)

  	
   

  	
  0287

  	
   

  	
  0306

  	
   

  	
  20

  	
   

  	
  OCCURS 5 TIMES

  
	
  SIGN

  	
   

  	
  0287

  	
   

  	
  0287

  	
   

  	
  1

  	
   

  	
  OCC 1 = 10 DAYS PAST DUE

  
	
  DAYS

  	
   

  	
  0288

  	
   

  	
  0290

  	
   

  	
  3

  	
   

  	
  OCC 2 = 30 DAYS PAST DUE

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  OCC 3 = 60 DAYS PAST DUE

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  OCC 4 = 90 DAYS PAST DUE

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  OCC 5 = 120 DAYS PAST DUE

  
	
  NUMBER OF NSF CHECKS

  	
   

  	
  0307

  	
   

  	
  0308

  	
   

  	
  2

  	
   

  	
   

  
	
  BUY-BACK (CLOSEOUT FEE)

  	
   

  	
  0309

  	
   

  	
  0316

  	
   

  	
  8

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0309

  	
   

  	
  0309

  	
   

  	
  1

  	
   

  	
   

  
	
  LEFT OF DECIMAL

  	
   

  	
  0310

  	
   

  	
  0310

  	
   

  	
  1

  	
   

  	
   

  
	
  DECIAML

  	
   

  	
  0311

  	
   

  	
  0311

  	
   

  	
  1

  	
   

  	
   

  
	
  RIGHT OF DECIMAL

  	
   

  	
  0312

  	
   

  	
  0316

  	
   

  	
  5

  	
   

  	
   

  
	
  BRANCH/REGION/PROCESSING CENTER

  	
   

  	
  0317

  	
   

  	
  0319

  	
   

  	
  3

  	
   

  	
   

  
	
  ORIGINATOR APPLICATION NUMBER

  	
   

  	
  0320

  	
   

  	
  0329

  	
   

  	
  10

  	
   

  	
   

  
	
  ORIGINATOR FUNDING DATE

  	
   

  	
  0330

  	
   

  	
  0337

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  PAY AHEAD BALANCE

  	
   

  	
  0338

  	
   

  	
  0354

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0338

  	
   

  	
  0338

  	
   

  	
  1

  	
   

  	
   

  

 

 Appendix B-4
 

 

 

	
  DESCRIPTION 

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS.

  	
   

  	
  ANNOTATIONS

  
	
  DOLLARS

  	
   

  	
  0339

  	
   

  	
  0351

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0352

  	
   

  	
  0352

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0353

  	
   

  	
  0354

  	
   

  	
  2

  	
   

  	
   

  
	
  TITLE STATE

  	
   

  	
  0355

  	
   

  	
  0356

  	
   

  	
  2

  	
   

  	
   

  
	
  RECOURSE CODE

  	
   

  	
  0357

  	
   

  	
  0357

  	
   

  	
  1

  	
   

  	
   

  
	
  PDI INSURANCE

  	
   

  	
  0358

  	
   

  	
  0358

  	
   

  	
  1

  	
   

  	
  R=RAMSEY-KRUG

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  U=UNIVERSAL

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  F=FIREMANS’S FUND

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  G=EPG

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  O=OTHER

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE=NONE

  
	
  LIFE INSURANCE

  	
   

  	
  0359

  	
   

  	
  0359

  	
   

  	
  1

  	
   

  	
  M=AMERICAN MODERN (USA)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  P=PACIFIC LIFE (CANADA)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE=NONE

  
	
  LIABILITY INSURANCE

  	
   

  	
  0360

  	
   

  	
  0360

  	
   

  	
  1

  	
   

  	
  E=ELPA

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE=NONE

  
	
  DISABILITY INSURANCE

  	
   

  	
  0361

  	
   

  	
  0361

  	
   

  	
  1

  	
   

  	
  M=AMERICAN MODERN

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE=NONE

  
	
  ESPP INSURANCE

  	
   

  	
  0362

  	
   

  	
  0362

  	
   

  	
  1

  	
   

  	
  G=EPG

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE=NONE

  
	
  RESIDUAL INSURANCE

  	
   

  	
  0363

  	
   

  	
  0363

  	
   

  	
  1

  	
   

  	
  P=PACIFIC LIFE (CANADA)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  SPACE=NONE

  
	
  LOAN STATUS

  	
   

  	
  0364

  	
   

  	
  0364

  	
   

  	
  1

  	
   

  	
  A=ACTIVE

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  C=CLOSED

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  D=ACCOUNT
  IN REPOESSION 

  BUT NOT IN BANKRUPTCY.

  
	
  REPO BALANCE

  	
   

  	
  0365

  	
   

  	
  0381

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0365

  	
   

  	
  0365

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0366

  	
   

  	
  0378

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0379

  	
   

  	
  0379

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0380

  	
   

  	
  0381

  	
   

  	
  2

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  REPO ESTIMATED LOSS

  	
   

  	
  0382

  	
   

  	
  0398

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0382

  	
   

  	
  0382

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0383

  	
   

  	
  0395

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0396

  	
   

  	
  0396

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0397

  	
   

  	
  0398

  	
   

  	
  2

  	
   

  	
   

  
	
  INTEREST START DATE

  	
   

  	
  0399

  	
   

  	
  0406

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  FIXED OR VARIABLE

  	
   

  	
  0407

  	
   

  	
  0407

  	
   

  	
  1

  	
   

  	
  F=FIXED

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  V=VARIABLE

  
	
  VARIABLE INDEX ADDITION

  	
   

  	
  0408

  	
   

  	
  0415

  	
   

  	
  8

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0408

  	
   

  	
  0408

  	
   

  	
  1

  	
   

  	
   

  
	
  LEFT OF DECIMAL

  	
   

  	
  0409

  	
   

  	
  0409

  	
   

  	
  1

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0410

  	
   

  	
  0410

  	
   

  	
  1

  	
   

  	
   

  
	
  RIGHT OF DECIMAL

  	
   

  	
  0411

  	
   

  	
  0415

  	
   

  	
  5

  	
   

  	
   

  
	
  VARIABLE FLOOR

  	
   

  	
  0416

  	
   

  	
  0423

  	
   

  	
  8

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0416

  	
   

  	
  0416

  	
   

  	
  1

  	
   

  	
   

  
	
  LEFT OF DECIMAL

  	
   

  	
  0417

  	
   

  	
  0417

  	
   

  	
  1

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0418

  	
   

  	
  0418

  	
   

  	
  1

  	
   

  	
   

  
	
  RIGHT OF DECIMAL

  	
   

  	
  0419

  	
   

  	
  0423

  	
   

  	
  5

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  VARIABLE CEILING

  	
   

  	
  0424

  	
   

  	
  0431

  	
   

  	
  8

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0424

  	
   

  	
  0424

  	
   

  	
  1

  	
   

  	
   

  
	
  LEFT OF DECIMAL

  	
   

  	
  0425

  	
   

  	
  0425

  	
   

  	
  1

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0426

  	
   

  	
  0426

  	
   

  	
  1

  	
   

  	
   

  
	
  RIGHT OF DECIMAL

  	
   

  	
  0427

  	
   

  	
  0431

  	
   

  	
  5

  	
   

  	
   

  
	
  STOP ACCRUAL INTEREST

  	
   

  	
  0432

  	
   

  	
  0448

  	
   

  	
  17

  	
   

  	
   

  

 

 Appendix B-5
 

 

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS.

  	
   

  	
  ANNOTATIONS

  
	
  SIGN

  	
   

  	
  0432

  	
   

  	
  0432

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0433

  	
   

  	
  0445

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0446

  	
   

  	
  0446

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0447

  	
   

  	
  0448

  	
   

  	
  2

  	
   

  	
   

  
	
  STOP ACCRUAL DATE

  	
   

  	
  0449

  	
   

  	
  0456

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  PAYMENT SCHEDULE REVIEW

  	
   

  	
  0457

  	
   

  	
  0457

  	
   

  	
  1

  	
   

  	
   

  
	
  RESIDUAL AMOUNT (FINANCE LEASES)

  	
   

  	
  0458

  	
   

  	
  0474

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0458

  	
   

  	
  0458

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0459

  	
   

  	
  0471

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0472

  	
   

  	
  0472

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0473

  	
   

  	
  0474

  	
   

  	
  2

  	
   

  	
   

  
	
  FINANCE CHARGE (PRE COMPUTED)

  	
   

  	
  0475

  	
   

  	
  0491

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0475

  	
   

  	
  0475

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0476

  	
   

  	
  0488

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0489

  	
   

  	
  0489

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0490

  	
   

  	
  0491

  	
   

  	
  2

  	
   

  	
   

  
	
  DUE DATE/PAYMENT AMT. INFO. (1st occ. Info.
  Below)

  	
   

  	
  0492

  	
   

  	
  2991

  	
   

  	
  2500

  	
   

  	
  OCCURS 100 TIMES

  
	
  DUE DATE

  	
   

  	
  0492

  	
   

  	
  0499

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  DUE AMOUNT

  	
   

  	
  0500

  	
   

  	
  0514

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  0500

  	
   

  	
  0500

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  0501

  	
   

  	
  0513

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  0514

  	
   

  	
  0514

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  0515

  	
   

  	
  0516

  	
   

  	
  2

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  BILL DATE/PAYMENT INFO. (1st occ. info. below)

  	
   

  	
  2992

  	
   

  	
  3447

  	
   

  	
  456

  	
   

  	
  OCCURS 6 TIMES

  
	
  BILLED DUE DATE

  	
   

  	
  2992

  	
   

  	
  2999

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  BILLED PRINCIPAL

  	
   

  	
  3000

  	
   

  	
  3016

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3000

  	
   

  	
  3000

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3001

  	
   

  	
  3013

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3014

  	
   

  	
  3014

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3015

  	
   

  	
  3016

  	
   

  	
  2

  	
   

  	
   

  
	
  BILLED INTEREST

  	
   

  	
  3017

  	
   

  	
  3033

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3017

  	
   

  	
  3017

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3018

  	
   

  	
  3030

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3031

  	
   

  	
  3031

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3032

  	
   

  	
  3033

  	
   

  	
  2

  	
   

  	
   

  
	
  BILLED LATE
  CHARGES

  	
   

  	
  3034

  	
   

  	
  3050

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3034

  	
   

  	
  3034

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3035

  	
   

  	
  3047

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3048

  	
   

  	
  3048

  	
   

  	
  1

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3049

  	
   

  	
  3050

  	
   

  	
  2

  	
   

  	
   

  
	
  BILLED OTHER
  FEES

  	
   

  	
  3051

  	
   

  	
  3067

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3051

  	
   

  	
  3051

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3052

  	
   

  	
  3064

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3065

  	
   

  	
  3065

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3066

  	
   

  	
  3067

  	
   

  	
  2

  	
   

  	
   

  
	
  BILLED THROUGH DATE

  	
   

  	
  3448

  	
   

  	
  3455

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  ACCRUAL BASIS YEAR

  	
   

  	
  3456

  	
   

  	
  3456

  	
   

  	
  1

  	
   

  	
  0=365-DAY YEAR

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  1=360-DAY YEAR

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  2=365/366-DAY YEAR

  
	
  ACCRUAL BASIS MONTH

  	
   

  	
  3457

  	
   

  	
  3457

  	
   

  	
  1

  	
   

  	
  0=ACTUAL-DAYMONTH

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  1=30-DAY MONTH

  
	
  PAYMENT SCHEDULE INFO. (1st occ. Info. below)

  	
   

  	
  3458

  	
   

  	
  3637

  	
   

  	
  180

  	
   

  	
  OCCURS 5 TIMES

  
	
  PAYMENT SCHEDULE
  STATUS

  	
   

  	
  3458

  	
   

  	
  3458

  	
   

  	
  1

  	
   

  	
   

  
	
  PAYMENT SCHEDULE
  TYPE

  	
   

  	
  3459

  	
   

  	
  3459

  	
   

  	
  1

  	
   

  	
   

  
	
  PAYMENT SCHEDULE
  INTERVAL

  	
   

  	
  3460

  	
   

  	
  3462

  	
   

  	
  3

  	
   

  	
   

  
	
  PAYMENT SCHEDULE
  START DATE

  	
   

  	
  3463

  	
   

  	
  3470

  	
   

  	
  8

  	
   

  	
  CCYYMMDD

  
	
  PAYMENT SCHEDULE
  TOTAL PAYMENTS

  	
   

  	
  3471

  	
   

  	
  3473

  	
   

  	
  3

  	
   

  	
   

  

 

 Appendix B-6
 

 

 

	
  DESCRIPTION

  	
   

  	
  START

  	
   

  	
  END

  	
   

  	
  POS.

  	
   

  	
  ANNOTATIONS

  
	
  PAYMENT SCHEDULE
  TIMES BILLED

  	
   

  	
  3474

  	
   

  	
  3476

  	
   

  	
  3

  	
   

  	
   

  
	
  PAYMENT SCHEDULE
  AMOUNT

  	
   

  	
  3477

  	
   

  	
  3493

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3477

  	
   

  	
  3477

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3478

  	
   

  	
  3490

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3491

  	
   

  	
  3491

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3492

  	
   

  	
  3493

  	
   

  	
  2

  	
   

  	
   

  
	
  CURRENT PAYOFF AMOUNT

  	
   

  	
  3638

  	
   

  	
  3654

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3638

  	
   

  	
  3638

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3639

  	
   

  	
  3651

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3652

  	
   

  	
  3652

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3653

  	
   

  	
  3654

  	
   

  	
  2

  	
   

  	
   

  
	
  NON RECOGNIZED ACCRUED INTEREST

  	
   

  	
  3655

  	
   

  	
  3671

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3655

  	
   

  	
  3655

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3656

  	
   

  	
  3668

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3669

  	
   

  	
  3669

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3670

  	
   

  	
  3671

  	
   

  	
  2

  	
   

  	
   

  
	
  VARIABLE RATE TYPE

  	
   

  	
  3672

  	
   

  	
  3673

  	
   

  	
  2

  	
   

  	
  11 = CHANGES ON 15TH (USA)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  12 = CHANGES ON 20TH (USA)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  22 = CHANGES ON 15TH (CAN.)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  23 = CHANGES ON 20TH (CAN.)

  
	
  RSS MONTHLY CASH FLOW

  	
   

  	
  3674

  	
   

  	
  3690

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3674

  	
   

  	
  3674

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3675

  	
   

  	
  3687

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3688

  	
   

  	
  3688

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3689

  	
   

  	
  3690

  	
   

  	
  2

  	
   

  	
   

  
	
  PRINCIPAL WRITE OFF AMOUNT

  	
   

  	
  3691

  	
   

  	
  3707

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3691

  	
   

  	
  3691

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3692

  	
   

  	
  3704

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3705

  	
   

  	
  3705

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3706

  	
   

  	
  3707

  	
   

  	
  2

  	
   

  	
   

  
	
  PAST DUE DAYS

  	
   

  	
  3708

  	
   

  	
  3713

  	
   

  	
  6

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3708

  	
   

  	
  3708

  	
   

  	
  1

  	
   

  	
   

  
	
  DAYS

  	
   

  	
  3709

  	
   

  	
  3713

  	
   

  	
  5

  	
   

  	
   

  
	
  PAST DUE ALTERNATE

  	
   

  	
  3714

  	
   

  	
  3719

  	
   

  	
  6

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3714

  	
   

  	
  3714

  	
   

  	
  1

  	
   

  	
   

  
	
  DAYS

  	
   

  	
  3715

  	
   

  	
  3719

  	
   

  	
  3

  	
   

  	
   

  
	
  RECOVERIES

  	
   

  	
  3720

  	
   

  	
  3736

  	
   

  	
  17

  	
   

  	
   

  
	
  SIGN

  	
   

  	
  3720

  	
   

  	
  3720

  	
   

  	
  1

  	
   

  	
   

  
	
  DOLLARS

  	
   

  	
  3721

  	
   

  	
  3733

  	
   

  	
  13

  	
   

  	
   

  
	
  DECIMAL

  	
   

  	
  3734

  	
   

  	
  3734

  	
   

  	
  1

  	
   

  	
   

  
	
  CENTS

  	
   

  	
  3735

  	
   

  	
  3736

  	
   

  	
  2

  	
   

  	
   

  
	
  FILLER

  	
   

  	
  3737

  	
   

  	
  3775

  	
   

  	
  39

  	
   

  	
   

  

 

 Appendix B-7EXHIBIT 4.8

(Multicurrency
— Cross Border)

International Swap Dealers Association, Inc.

MASTER AGREEMENT

dated as of September 19, 2006

BANK OF
AMERICA, N.A. and CNH EQUIPMENT TRUST 2006–B
have entered and/or anticipate entering into one or more transactions (each a “Transaction”)
that are or will be governed by this Master Agreement, which includes the
schedule (the “Schedule”), and the documents and other confirming evidence
(each a “Confirmation”) exchanged between the parties confirming those Transactions.

Accordingly, the
parties agree as follows: —

1.             Interpretation

(a)           Definitions.
The terms defined in Section 14 and in the Schedule will have the meanings
therein specified for the purpose of this Master Agreement.

(b)           Inconsistency.
In the event of any inconsistency between the provisions of the Schedule and
the other provisions of this Master Agreement, the Schedule will prevail. In
the event of any inconsistency between the provisions of any Confirmation and
this Master Agreement (including the Schedule), such Confirmation will prevail
for the purpose of the relevant Transaction.

(c)           Single Agreement.
All Transactions are entered into in reliance on the fact that this Master
Agreement and all Confirmations form a single agreement between the parties
(collectively referred to as this “Agreement”), and the parties would not
otherwise enter into any Transactions.

2.             Obligations

(a)           General
Conditions.

(i)     Each party will make each payment or
delivery specified in each Confirmation to be made by it, subject to the other
provisions of this Agreement.

(ii)    Payments under this Agreement will be made
on the due date for value on that date in the place of the account specified in
the relevant Confirmation or otherwise pursuant to this Agreement, in freely
transferable funds and in the manner customary for payments in the required
currency. Where settlement is by delivery (that is, other than by payment),
such delivery will be made for receipt on the due date in the manner customary
for the relevant obligation unless otherwise specified in the relevant
Confirmation or elsewhere in this Agreement.

(iii)   Each obligation of each party under Section
2(a)(i) is subject to (1) the condition precedent that no Event of Default or
Potential Event of Default with respect to the other party has occurred and is
continuing, (2) the condition precedent that no Early Termination Date in
respect of the relevant Transaction has occurred or been effectively designated
and (3) each other applicable condition precedent specified in this Agreement.

Copyright ©1992 by International Swap Dealers
Association. Inc.

 

(b)           Change of Account.
Either party may change its account for receiving a payment or delivery by
giving notice to the other party at least five Local Business Days prior to the
scheduled date for the payment or delivery to which such change applies unless
such other party gives timely notice of a reasonable objection to such change.

(c)           Netting. If on any
date amounts would otherwise be payable:—

(i)            in the same
currency; and

(ii)           in respect of the same Transaction,

by
each party to the other, then, on such date, each party’s obligation to make
payment of any such amount will be
automatically satisfied and discharged and, if the aggregate amount that would
otherwise have been payable by one
party exceeds the aggregate amount that would otherwise have been payable by
the other party, replaced by an
obligation upon the party by whom the larger aggregate amount would have been payable to pay to the other party the excess of
the larger aggregate amount over the smaller aggregate amount.

The
parties may elect in respect of two or more Transactions that a net amount will
be determined in respect of all amounts payable on the same date in the same
currency in respect of such Transactions, regardless of whether such amounts are payable in respect of the same Transaction. The
election may be made in the Schedule or a Confirmation by specifying
that subparagraph (ii) above will not apply to the Transactions identified as being subject to the election,
together with the starting date (in which case subparagraph (ii) above will
not, or will cease to, apply to such Transactions from such date). This
election may be made separately for
different groups of Transactions and will apply separately to each pairing of
Offices through which the parties make
and receive payments or deliveries.

(d)           Deduction or Withholding for Tax.

(i)            Gross-Up. All payments under this
Agreement will be made without any deduction or withholding for or on account
of any Tax unless such deduction or withholding is required by any applicable
law, as modified by the practice of any relevant governmental revenue
authority, then in effect. If a party is so required to deduct or withhold,
then that party (“X”) will:—

(1)           promptly notify the other party (“Y”)
of such requirement;

(2)           pay to the relevant
authorities the full amount required to be deducted or withheld (including the full amount
required to be deducted or withheld from any additional amount paid by X to Y under this
Section 2(d)) promptly upon the earlier of determining that such deduction or withholding
is required or receiving notice that such amount has been assessed against Y;

(3)           promptly forward to Y an
official receipt (or a certified copy), or other documentation reasonably
acceptable to Y, evidencing such payment to such authorities; and

(4)           if such Tax is an
Indemnifiable Tax, pay to Y, in addition to the payment to which Y is otherwise entitled under this Agreement, such
additional amount as is necessary to ensure that the net amount actually received by Y (free and clear of Indemnifiable
Taxes, whether assessed against X or
Y) will equal the full amount Y would have received had no such deduction or withholding been required. However, X will not be
required to pay any additional amount to Y to the extent that it would not be required to be paid but for:—

(A)          the
failure by Y to comply with or perform any agreement contained in Section
4(a)(i), 4(a)(iii) or 4(d); or

(B)           the
failure of a representation made by Y pursuant to Section 3(f) to be accurate
and true
unless such failure would not have occurred but for (I) any action taken by a
taxing authority, or brought in a
court of competent jurisdiction, on or after the date on which a Transaction is entered into (regardless of whether
such action is taken or brought with respect
to a party to this Agreement) or (II) a Change in Tax Law.

 2
 

 

(ii)           Liability. If:
—

(1)           X is
required by any applicable law, as modified by the practice of any relevant governmental
revenue authority, to make any deduction or withholding in respect of which X would
not be required to pay an additional amount to Y under Section 2(d)(i)(4);

(2)           X does not so deduct or withhold; and

(3)           a liability resulting
from such Tax is assessed directly against X,

then,
except to the extent Y has satisfied or then satisfies the liability resulting
from such Tax, Y will promptly pay to X the
amount of such liability (including any related liability for interest, but including
any related liability for penalties only if Y has failed to comply with or
perform any agreement contained in Section 4(a)(i), 4(a)(iii) or 4(d)).

(e)           Default Interest; Other Amounts. Prior to the occurrence or effective
designation of an Early Termination Date in respect of the relevant Transaction,
a party that defaults in the performance of any payment obligation will, to the extent permitted by
law and subject to Section 6(c), be required to pay interest (before as well as after judgment) on the
overdue amount to the other party on demand in the same currency as such overdue amount, for the period from (and
including) the original due date for payment to (but excluding) the date of actual payment, at the
Default Rate. Such interest will be calculated on the basis of daily compounding and the actual number of days
elapsed. If, prior to the occurrence or effective designation of an Early Termination Date in respect of the
relevant Transaction, a party defaults in the performance of any
obligation required to be settled by delivery, it will compensate the other
party on demand if and to the extent provided for in the relevant Confirmation
or elsewhere in this Agreement.

3.           Representations

Each
party represents to the other party (which representations will be deemed to be
repeated by each party on each date on which a Transaction is entered into and,
in the case of the representations in Section 3(f), at all times until the termination of this Agreement) that:—

(a)           Basic
Representations.

(i)            Status. It is duly organised and validly existing
under the laws of the jurisdiction of its organisation
or incorporation and, if relevant under such laws, in good standing;

(ii)           Powers. It has the power to execute this
Agreement and any other documentation relating to this Agreement to which
it is a party, to deliver this Agreement and any other documentation relating to this Agreement that it
is required by this Agreement to deliver and to perform its obligations under this Agreement and
any obligations it has under any Credit Support Document to which it is a party
and has taken all necessary action to authorise such execution, delivery and
performance;

(iii)          No Violation
or Conflict. Such
execution, delivery and performance do not violate or conflict with any law
applicable to it, any provision of its constitutional documents, any order or
judgment of any court or other agency of government applicable to it or any of
its assets or any contractual restriction binding on or affecting it or any of its
assets;

(iv)          Consents. All governmental and other consents that
are required to have been obtained by it with respect to this Agreement or any Credit Support Document to which
it is a party have been obtained and are in
full force and effect and all conditions of any such consents have been
complied with; and

(v)           Obligations
Binding. Its
obligations under this Agreement and any Credit Support Document to which it is a party constitute its legal,
valid and binding obligations, enforceable in accordance with their respective terms (subject to applicable
bankruptcy, reorganisation, insolvency, moratorium or similar laws affecting creditors’ rights generally and
subject, as to enforceability, to equitable
principles of general application (regardless of whether enforcement is sought
in a proceeding in equity or at law)).

 3
 

 

(b)           Absence of Certain Events. No Event of Default or
Potential Event of Default or, to its knowledge, Termination Event with respect to it has occurred
and is continuing and no such event or circumstance would occur as a result of
its entering into or performing its obligations under this Agreement or any
Credit Support Document to which it is a party.

(c)           Absence of
Litigation. There is not pending
or, to its knowledge, threatened against it or any of its Affiliates any action, suit or proceeding at law
or in equity or before any court, tribunal, governmental body, agency or official or any arbitrator that is
likely to affect the legality, validity or enforceability against it of this Agreement or any Credit Support Document to
which it is a party or its ability to perform its obligations under this Agreement or such Credit Support
Document.

(d)           Accuracy of Specified Information. All applicable
information that is furnished in writing by or on behalf of it to the other party and is
identified for the purpose of this Section 3(d) in the Schedule is, as of the
date of the information, true, accurate and complete in every material respect.

(e)           Payer Tax Representation. Each representation
specified in the Schedule as being made by it for the purpose of this Section 3(e) is accurate
and true.

(f)            Payee Tax
Representations. Each
representation specified in the Schedule as being made by it for the purpose of
this Section 3(f) is accurate and true.

4.             Agreements

Each party agrees with the other that, so long as either
party has or may have any obligation under this Agreement or under any Credit Support Document
to which it is a party:—

(a)           Furnish Specified Information. It will deliver to the other party or, in certain
cases under subparagraph (iii) below, to such government or taxing
authority as the other party reasonably directs:—

(i)            any forms, documents or certificates relating to taxation
specified in the Schedule or any Confirmation;

(ii)           any other documents specified in the
Schedule or any Confirmation; and

(iii)          upon reasonable demand by such other
party, any form or document that may be required or reasonably requested in
writing in order to allow such other party or its Credit Support Provider to
make a payment under this Agreement or any applicable Credit Support Document
without any deduction or withholding for or on account of any Tax or with such
deduction or withholding at a reduced rate (so long as the completion,
execution or submission of such form or document would not materially prejudice
the legal or commercial position of the party in receipt of such demand), with
any such form or document to be accurate and completed in a manner reasonably
satisfactory to such other party and to be executed and to be delivered with any
reasonably required certification,

in
each case by the date specified in the Schedule or such Confirmation or, if
none is specified, as soon as reasonably practicable.

(b)           Maintain Authorisations. It will use all reasonable efforts to maintain in
full force and effect all consents of any governmental or other authority that
are required to be obtained by it with respect to this Agreement or any Credit Support Document to which
it is a party and will use all reasonable efforts to obtain any that may
become necessary in the future.

(c)           Comply with Laws. It will comply in all
material respects with all applicable laws and orders to which it may be subject
if failure so to comply would materially impair its ability to perform its
obligations under this Agreement
or any Credit Support Document to which it is a party.

(d)           Tax Agreement. It will give notice of any failure of a
representation made by it under Section 3(f) to be accurate and true promptly
upon learning of such failure.

(e)           Payment of Stamp Tax.  Subject to Section 11, it
will pay any Stamp Tax levied or imposed upon it or in respect of its execution or performance
of this Agreement by a jurisdiction in which it is incorporated,

 4
 

 

organised,
managed and controlled, or considered to have its seat, or in which a branch or
office through which it is acting for the
purpose of this Agreement is located (“Stamp Tax Jurisdiction”) and will
indemnify the other party against any Stamp Tax levied or imposed upon the
other party or in respect of the other party’s execution or performance of this Agreement by any such Stamp Tax
Jurisdiction which is not also a Stamp Tax Jurisdiction with respect to the
other party.

5.             Events of Default
and Termination Events

(a)           Events of Default. The
occurrence at any time with respect to a party or, if applicable, any Credit Support Provider of such
party or any Specified Entity of such party of any of the following events
constitutes an event of default (an “Event of Default”) with respect to such
party:—

(i)            Failure
to Pay or Deliver. Failure by the party to make, when due, any
payment under this Agreement or delivery
under Section 2(a)(i) or 2(e) required to be made by it if such failure is not
remedied on or before the third Local Business Day after notice of such failure
is given to the party;

(ii)           Breach of Agreement. Failure by the party to
comply with or perform any agreement or obligation (other than an obligation to make any
payment under this Agreement or delivery under Section 2(a)(i) or 2(e) or to give notice of a
Termination Event or any agreement or obligation under Section 4(a)(i), 4(a)(iii) or 4(d)) to be
complied with or performed by the party in accordance with this Agreement if
such failure is not remedied on or before the thirtieth day after notice of such failure is given to
the party;

(iii)          Credit
Support Default.

(1)           Failure by the party or
any Credit Support Provider of such party to comply with or perform any agreement or
obligation to be complied with or performed by it in accordance with any Credit Support
Document if such failure is continuing after any applicable grace period has elapsed;

(2)           the expiration or
termination of such Credit Support Document or the failing or ceasing of such Credit Support
Document to be in full force and effect for the purpose of this Agreement (in either case other
than in accordance with its terms) prior to the satisfaction of all obligations
of such party under each
Transaction to which such Credit Support Document relates without the written
consent of the other party; or

(3)           the party or such Credit Support
Provider disaffirms, disclaims, repudiates or rejects, in whole or in part, or challenges the validity
of, such Credit Support Document;

(iv)          Misrepresentation. A representation (other
than a representation under Section 3(e) or (f)) made or repeated or
deemed to have been made or repeated by the party or any Credit Support Provider of such party in this Agreement or
any Credit Support Document proves to have been incorrect or misleading in any material respect when made or repeated or
deemed to have been made or
repeated;

(v)           Default
under Specified Transaction. The party, any Credit Support
Provider of such party or any applicable
Specified Entity of such party (1) defaults under a Specified Transaction and,
after giving effect to any applicable notice requirement or grace period, there
occurs a liquidation of, an acceleration
of obligations under, or an early termination of, that Specified Transaction,
(2) defaults, after giving effect to
any applicable notice requirement or grace period, in making any payment or
delivery due on the last payment, delivery or exchange date of, or any payment
on early termination of, a Specified Transaction (or such default continues for
at least three Local Business Days if there is no applicable notice requirement or grace period) or (3) disaffirms,
disclaims, repudiates or rejects, in
whole or in part, a Specified Transaction (or such action is taken by any
person or entity appointed or empowered to operate it or act on its
behalf);

(vi)          Cross Default. If “Cross Default” is
specified in the Schedule as applying to the party, the occurrence or existence
of (1) a default, event of default or other similar condition or event (however

 5
 

 

described) in respect of such party, any Credit Support
Provider of such party or any applicable Specified Entity of such party under
one or more agreements or instruments relating to Specified Indebtedness of any of them (individually or
collectively) in an aggregate amount of not less than the applicable Threshold Amount (as specified in the Schedule) which
has resulted in such Specified Indebtedness
becoming, or becoming capable at such time of being declared, due and payable
under such agreements or
instruments, before it would otherwise have been due and payable or (2) a
default by such party, such Credit Support Provider or such Specified
Entity (individually or collectively) in
making one or more payments on the due date thereof in an aggregate amount of
not less than the applicable Threshold Amount under such agreements or
instruments (after giving effect to any applicable notice requirement or grace
period);

(vii)         Bankruptcy. The party, any Credit Support Provider of
such party or any applicable Specified Entity of such party: —

(1) is dissolved (other than pursuant to a consolidation, amalgamation
or merger); (2) becomes insolvent or is unable to pay its debts or fails or
admits in writing its inability generally to pay its debts as they become due;
(3) makes a general assignment, arrangement or composition with or for the
benefit of its creditors; (4) institutes or has instituted against it a
proceeding seeking a judgment of insolvency or bankruptcy or any other relief
under any bankruptcy or insolvency law or other similar law affecting
creditors’ rights, or a petition is presented for its winding-up or
liquidation, and, in the case of any such proceeding or petition instituted or
presented against it, such proceeding or petition (A) results in a judgment of
insolvency or bankruptcy or the entry of an order for relief or the making of
an order for its winding-up or liquidation or (B) is not dismissed, discharged,
stayed or restrained in each case within 30 days of the institution or
presentation thereof; (5) has a resolution passed for its winding-up, official
management or liquidation (other than pursuant to a consolidation, amalgamation
or merger); (6) seeks or becomes subject to the appointment of an
administrator, provisional liquidator, conservator, receiver, trustee,
custodian or other similar official for it or for all or substantially all its
assets; (7) has a secured party take possession of all or substantially all its
assets or has a distress, execution, attachment, sequestration or other legal
process levied, enforced or sued on or against all or substantially all its
assets and such secured party maintains possession, or any such process is not
dismissed, discharged, stayed or restrained, in each case within 30 days
thereafter; (8) causes or is subject to any event with respect to it which,
under the applicable laws of any jurisdiction, has an analogous effect to any
of the events specified in clauses (1) to (7) (inclusive); or (9) takes any
action in furtherance of, or indicating its consent to, approval of, or
acquiescence in, any of the foregoing acts; or

(viii)        Merger
Without Assumption. The
party or any Credit Support Provider of such party consolidates or
amalgamates with, or merges with or into, or transfers all or substantially all
its assets to,
another entity and, at the time of such consolidation, amalgamation, merger or
transfer: —

(1)           the resulting, surviving or
transferee entity fails to assume all the obligations of such party or such
Credit Support Provider under this Agreement or any Credit Support Document to
which it or its predecessor was a party by operation of law or pursuant to an
agreement reasonably satisfactory to the other party to this Agreement; or

(2)           the benefits of any
Credit Support Document fail to extend (without the consent of the other party) to the
performance by such resulting, surviving or transferee entity of its obligations under this Agreement.

(b)           Termination
Events. The
occurrence at any time with respect to a party or, if applicable, any Credit Support Provider of such party or any Specified
Entity of such party of any event specified below constitutes an Illegality if
the event is specified in (i) below, a Tax Event if the event is specified in
(ii) below or a Tax Event Upon
Merger if the event is specified in (iii) below, and, if specified to be
applicable, a Credit Event

 6
 

 

Upon Merger if the event
is specified pursuant to (iv) below or an Additional Termination Event if the
event is specified pursuant to (v) below:—

(i)            Illegality. Due to the adoption, of,
or any change in, any applicable law after the date on which a Transaction is
entered into, or due to the promulgation of, or any change in, the
interpretation by any court, tribunal or regulatory authority with competent
jurisdiction of any applicable law after such date, it becomes unlawful (other
than as a result of a breach by the party of Section 4(b)) for such party
(which will be the Affected Party): —

(1)           to perform any
absolute or contingent obligation to make a payment or delivery or to receive a
payment or delivery in respect of such Transaction or to comply with any other
material provision of this Agreement relating to such Transaction; or

(2)           to perform, or for
any Credit Support Provider of such party to perform, any contingent or other
obligation which the party (or such Credit Support Provider) has under any
Credit Support Document relating to such Transaction;

(ii)           Tax Event. Due to (x) any action
taken by a taxing authority, or brought in a court of competent jurisdiction,
on or after the date on which a Transaction is entered into (regardless of
whether such action is taken or brought with respect to a party to this
Agreement) or (y) a Change in Tax Law, the party (which will be the Affected
Party) will, or there is a substantial likelihood that it will, on the next
succeeding Scheduled Payment Date (1) be required to pay to the other party an
additional amount in respect of an Indemnifiable Tax under Section 2(d)(i)(4)
(except in respect of interest under Section 2(e), 6(d)(ii) or 6(e)) or (2)
receive a payment from which an amount is required to be deducted or withheld
for or on account of a Tax (except in respect of interest under Section 2(e),
6(d)(ii) or 6(e)) and no additional amount is required to be paid in respect of
such Tax under Section 2(d)(i)(4) (other than by reason of Section
2(d)(i)(4)(A) or (B));

(iii)          Tax Event Upon Merger. The party
(the “Burdened Party”) on the next succeeding Scheduled Payment Date will
either (1) be required to pay an additional amount in respect of an
Indemnifiable Tax under Section 2(d)(i)(4) (except in respect of interest under
Section 2(e), 6(d)(ii) or 6(e)) or (2) receive a payment from which an amount
has been deducted or withheld for or on account of any Indemnifiable Tax in
respect of which the other party is not required to pay an additional amount (other
than by reason of Section 2(d)(i)(4)(A) or (B)), in either case as a result of
a party consolidating or amalgamating with, or merging with or into, or
transferring all or substantially all its assets to, another entity (which will
be the Affected Party) where such action does not constitute an event described
in Section 5(a)(viii);

(iv)          Credit Event Upon Merger. If “Credit
Event Upon Merger” is specified in the Schedule as applying to the party, such
party (“X”), any Credit Support Provider of X or any applicable Specified Entity
of X consolidates or amalgamates with, or merges with or into, or transfers all
or substantially all its assets to, another entity and such action does not
constitute an event described in Section 5(a)(viii) but the creditworthiness of
the resulting, surviving or transferee entity is materially weaker than that of
X, such Credit Support Provider or such Specified Entity, as the case may be,
immediately prior to such action (and, in such event, X or its successor or
transferee, as appropriate, will be the Affected Party); or

(v)           Additional Termination Event. If any
“Additional Termination Event” is specified in the Schedule or any Confirmation
as applying, the occurrence of such event (and, in such event, the Affected
Party or Affected Parties shall be as specified for such Additional Termination
Event in the Schedule or such Confirmation).

(c)           Event of Default and
Illegality. If an event or circumstance which would otherwise
constitute or give rise to an Event of Default also constitutes an Illegality,
it will be treated as an Illegality and will not constitute an Event of
Default.

 7
 

 

6.             Early
Termination

(a)           Right to Terminate
Following Event of Default. If at any time an Event of Default
with respect to a party (the “Defaulting Party”) has occurred and is then
continuing, the other party (the “Non-defaulting Party”) may, by not more than
20 days notice to the Defaulting Party specifying the relevant Event of
Default, designate a day not earlier than the day such notice is effective as
an Early Termination Date in respect of all outstanding Transactions. If,
however, “Automatic Early Termination” is specified in the Schedule as applying
to a party, then an Early Termination Date in respect of all outstanding
Transactions will occur immediately upon the occurrence with respect to such
party of an Event of Default specified in Section 5(a)(vii)(1), (3), (5), (6)
or, to the extent analogous thereto, (8), and as of the time immediately
preceding the institution of the relevant proceeding or the presentation of the
relevant petition upon the occurrence with respect to such party of an Event of
Default specified in Section 5(a)(vii)(4) or, to the extent analogous thereto,
(8).

(b)           Right to Terminate
Following Termination Event.

(i)            Notice. If a Termination Event occurs,
an Affected Party will, promptly upon becoming aware of it, notify the other
party, specifying the nature of that Termination Event and each Affected
Transaction and will also give such other information about that Termination
Event as the other party may reasonably require.

(ii)           Transfer to Avoid Termination Event.
If either an Illegality under Section 5(b)(i)(1) or a Tax Event occurs and
there is only one Affected Party, or if a Tax Event Upon Merger occurs and the
Burdened Party is the Affected Party, the Affected Party will, as a condition
to its right to designate an Early Termination Date under Section 6(b)(iv), use
all reasonable efforts (which will not require such party to incur a loss,
excluding immaterial, incidental expenses) to transfer within 20 days after it
gives notice under Section 6(b)(i) all its rights and obligations under this
Agreement in respect of the Affected Transactions to another of its Offices or
Affiliates so that such Termination Event ceases to exist.

If the Affected Party is not able to make such a transfer it will give
notice to the other party to that effect within such 20 day period, whereupon
the other party may effect such a transfer within 30 days after the notice is
given under Section 6(b)(i).

Any such transfer by a party under this Section 6(b)(ii) will be
subject to and conditional upon the prior written consent of the other party,
which consent will not be withheld if such other party’s policies in effect at
such time would permit it to enter into transactions with the transferee on the
terms proposed.

(iii)          Two Affected Parties. If an
Illegality under Section 5(b)(i)(1) or a Tax Event occurs and there are two
Affected Parties, each party will use all reasonable efforts to reach agreement
within 30 days after notice thereof is given under Section 6(b)(i) on action to
avoid that Termination Event.

(iv)          Right to Terminate. If: —

(1)           a transfer under
Section 6(b)(ii) or an agreement under Section 6(b)(iii), as the case may be,
has not been effected with respect to all Affected Transactions within 30 days
after an Affected Party gives notice under Section 6(b)(i); or 

(2)           an Illegality under
Section 5(b)(i)(2), a Credit Event Upon Merger or an Additional Termination
Event occurs, or a Tax Event Upon Merger occurs and the Burdened Party is not
the Affected Party,

either party in the case
of an Illegality, the Burdened Party in the case of a Tax Event Upon Merger,
any Affected Party in the case of a Tax Event or an Additional Termination
Event if there is more than one Affected Party, or the party which is not the
Affected Party in the case of a Credit Event Upon Merger or an Additional
Termination Event if there is only one Affected Party may, by not more than 20
days notice to the other party and provided that the relevant Termination Event
is then

 8
 

 

continuing, designate a day not earlier than the day such notice is
effective as an Early Termination Date in respect of all Affected Transactions.

(c)           Effect
of Designation.

(i)            If notice
designating an Early Termination Date is given under Section 6(a) or (b), the
Early Termination Date will occur on the date so designated, whether or not the
relevant Event of Default or Termination Event is then continuing.

(ii)           Upon the occurrence or effective designation of an
Early Termination Date, no further payments or deliveries under Section 2(a)(i) or 2(e) in
respect of the Terminated Transactions will be required to be made, but without prejudice to
the other provisions of this Agreement. The amount, if any, payable in respect
of an Early Termination Date shall be determined pursuant to Section 6(e).

(d)           Calculations.

(i)            Statement. On or as soon as
reasonably practicable following the occurrence of an Early Termination Date,
each party will make the calculations on its part, if any, contemplated by
Section 6(e) and will provide to the other party a statement (1) showing, in
reasonable detail, such calculations (including all relevant quotations and
specifying any amount payable under Section 6(e)) and (2) giving details of the
relevant account to which any amount payable to it is to be paid. In the
absence of written confirmation from the source of a quotation obtained in
determining a Market Quotation, the records of the party obtaining such
quotation will be conclusive evidence of the existence and accuracy of such
quotation.

(ii)           Payment
Date. An amount
calculated as being due in respect of any Early Termination Date under Section 6(e) will be payable on the day
that notice of the amount payable is effective (in the case of an Early
Termination Date which is designated or occurs as a result of an Event of
Default) and on the day which is two Local
Business Days after the day on which notice of the amount payable is effective
(in the case of an Early Termination Date which is designated as a result of a
Termination Event). Such amount will
be paid together with (to the extent permitted under applicable law) interest thereon (before as well as after
judgment) in the Termination Currency, from (and including) the relevant Early Termination Date to (but
excluding) the date such amount is paid, at the Applicable Rate. Such interest will be calculated on the basis of daily
compounding and the actual number of days elapsed.

(e)           Payments on Early Termination. If an Early Termination Date occurs, the following
provisions shall apply based on the parties’ election in the Schedule of
a payment measure, either “Market Quotation” or “Loss”, and a payment method,
either the “First Method” or the “Second Method”. If the parties fail to designate a payment measure or payment method in
the Schedule, it will be deemed that “Market Quotation” or the “Second Method”,
as the case may be, shall apply. The amount, if any, payable in respect of an
Early Termination Date and determined pursuant to this Section will be
subject to any Set-off.

(i)            Events
of Default. If the
Early Termination Date results from an Event of Default: —

(1)          First Method
and Market Quotation. If the First Method and Market Quotation
apply, the Defaulting Party will pay to the Non-defaulting Party the excess, if
a positive number, of (A) the sum of the Settlement Amount (determined by the
Non-defaulting Party) in respect of the Terminated Transactions and the
Termination Currency Equivalent of the Unpaid Amounts owing to the
Non-defaulting Party over (B) the Termination Currency Equivalent of the Unpaid
Amounts owing to the Defaulting Party.

(2)          First Method
and Loss. If the First Method and Loss apply, the Defaulting Party
will pay to the Non-defaulting Party, if a positive number, the Non-defaulting
Party’s Loss in respect of this Agreement.

(3)           Second
Method and Market Quotation. If the Second Method and Market Quotation apply, an amount will be
payable equal to (A) the sum of the Settlement Amount (determined by the

 9
 

 

Non-defaulting Party) in
respect of the Terminated Transactions and the Termination Currency Equivalent
of the Unpaid Amounts owing to the Non-defaulting Party less (B) the
Termination Currency
Equivalent of the Unpaid Amounts owing to the Defaulting Party. If that amount
is a positive number, the Defaulting Party
will pay it to the Non-defaulting Party; if it is a negative number, the Non-defaulting Party will pay the
absolute value of that amount to the Defaulting Party.

(4)           Second
Method and Loss. If the Second Method and Loss apply, an amount will
be payable equal to the Non-defaulting Party’s Loss in respect of this Agreement.
If that amount is a positive number, the Defaulting Party will pay it to the Non-defaulting
Party; if it is a negative number, the Non-defaulting Party will pay the absolute
value of that amount to the Defaulting Party.

(ii)           Termination
Events. If the
Early Termination Date results from a Termination Event: —

(1)           One
Affected Party. If there is one Affected Party, the amount payable will be determined in accordance with
Section 6(e)(i)(3), if Market Quotation applies, or Section 6(e)(i)(4), if Loss
applies, except that, in either case, references to the Defaulting Party and to
the Non-defaulting Party will be deemed to be references to the Affected Party and the
party which is not the Affected Party, respectively, and, if Loss applies and fewer than all
the Transactions are being terminated, Loss shall be calculated in respect of all
Terminated Transactions.

(2)           Two
Affected Parties. If there are two Affected Parties: —

(A)          if Market Quotation applies, each party will
determine a Settlement Amount in respect of the Terminated Transactions, and an amount will
be payable equal to (I) the sum of (a) one-half of the difference between the
Settlement Amount of the party with the higher Settlement Amount (“X”) and the
Settlement Amount of the party with the lower Settlement Amount (“Y”) and (b) the
Termination Currency Equivalent of the Unpaid Amounts owing to X less (II) the
Termination Currency Equivalent of the Unpaid Amounts owing to Y; and

(B)           if Loss applies, each
party will determine its Loss in respect of this Agreement (or, if fewer than all the
Transactions are being terminated, in respect of all Terminated Transactions) and an amount will be payable equal
to one-half of the difference between the Loss of the party with the higher
Loss (“X”) and the Loss of the party with the lower Loss (“Y”).

If the amount payable is a positive number, Y will pay it to X; if it
is a negative number, X will pay the absolute
value of that amount to Y.

(iii)          Adjustment
for Bankruptcy. In
circumstances where an Early Termination Date occurs because “Automatic Early Termination” applies
in respect of a party, the amount determined under this Section 6(e) will be subject to such adjustments as are appropriate
and permitted by law to reflect any
payments or deliveries made by one party to the other under
this Agreement (and retained by such
other party) during the period from the relevant Early Termination Date to the
date for payment determined under Section 6(d)(ii).

(iv)          Pre-Estimate. The parties agree that if Market
Quotation applies an amount recoverable under this Section 6(e) is a reasonable
pre-estimate of loss and not a penalty. Such amount is payable for the loss of bargain and the loss of protection
against future risks and except as otherwise provided in this Agreement
neither party will be entitled to recover any additional damages as a
consequence of such losses.

 10
 

 

7.             Transfer

Subject to Section
6(b)(ii), neither this Agreement nor any interest or obligation in or under
this Agreement may be transferred (whether by way of security or otherwise) by
either party without the prior written consent of the other party, except that:
—

(a)           a party may make such a transfer of
this Agreement pursuant to a consolidation or amalgamation with, or merger with
or into, or transfer of all or substantially all its assets to, another entity
(but without prejudice to any
other right or remedy under this Agreement); and

(b)           a party may make such a
transfer of all or any part of its interest in any amount payable to it from a Defaulting Party under Section 6(e).

Any purported transfer that
is not in compliance with this Section will be void.

8.             Contractual Currency

(a)           Payment in the Contractual Currency. Each payment under this
Agreement will be made in the relevant currency specified in this Agreement for that
payment (the “Contractual Currency”). To the extent permitted by applicable
law, any obligation to make payments under this Agreement in the Contractual Currency will not be
discharged or satisfied by any tender in any currency other than the
Contractual Currency,
except to the extent such tender results in the actual receipt by the party to
which payment is owed, acting in a reasonable manner and in good faith in converting the
currency so tendered into the Contractual Currency, of the full amount in the Contractual
Currency of all amounts payable in respect of this Agreement. If for any reason the
amount in the Contractual Currency so received falls short of the amount in the
Contractual
Currency payable in respect of this Agreement, the party required to make the
payment will, to the extent permitted by applicable law, immediately pay such additional
amount in the Contractual Currency as may be necessary to compensate for the
shortfall. If for any reason the amount in the Contractual Currency so received exceeds the
amount in the Contractual Currency payable in respect of this Agreement, the
party receiving the payment will
refund promptly the amount of such excess.

(b)           Judgments. To the extent permitted by applicable law, if any
judgment or order expressed in a currency other than the Contractual Currency is rendered
(i) for the payment of any amount owing in respect of this Agreement, (ii)
for the payment of any amount relating to any early termination in respect of
this Agreement
or (iii) in respect of a judgment or order of another court for the payment of
any amount described in (i) or
(ii) above, the party seeking recovery, after recovery in full of the aggregate
amount to which such party is entitled
pursuant to the judgment or order, will be entitled to receive immediately from
the other party the amount of any shortfall of the Contractual Currency
received by such party as a consequence of sums paid in such other
currency and will refund promptly to the other party any excess of the
Contractual Currency received by such party as a consequence of sums paid in
such other currency if such shortfall or such
excess arises or results from any variation between the rate of exchange at
which the Contractual Currency is
converted into the currency of the judgment or order for the purposes of such
judgment or order and the rate of
exchange at which such party is able, acting in a reasonable manner and in good
faith in converting the currency received into the Contractual Currency,
to purchase the Contractual Currency with the
amount of the currency of the judgment or order actually received by such
party. The term “rate of exchange”
includes, without limitation, any premiums and costs of exchange payable in
connection with the purchase of or conversion into the Contractual
Currency.

(c)           Separate Indemnities. To the extent permitted by
applicable law, these indemnities constitute separate and independent obligations from the other obligations in this
Agreement, will be enforceable as separate and independent causes of action,
will apply notwithstanding any indulgence granted by the party to which any payment is owed and will not be
affected by judgment being obtained or claim or proof being made for any
other sums payable in respect of this Agreement.

(d)           Evidence of
Loss. For the purpose of
this Section 8, it will be sufficient for a party to demonstrate that it would
have suffered a loss had an actual exchange or purchase been made.

 11
 

 

9.             Miscellaneous

(a)           Entire Agreement. This Agreement constitutes the entire
agreement and understanding of the parties with respect to its
subject matter and supersedes all oral communication and prior writings with
respect thereto.

(b)           Amendments. No amendment, modification or waiver in respect of
this Agreement will be effective unless in writing (including a writing evidenced by a
facsimile transmission) and executed by each of the parties or confirmed by an
exchange of telexes or electronic messages on an electronic messaging system.

(c)           Survival of Obligations. Without prejudice to
Sections 2(a)(iii) and 6(c)(ii), the obligations of the parties under this
Agreement will survive the termination of any Transaction.

(d)           Remedies Cumulative. Except as provided in this Agreement, the rights,
powers, remedies and privileges provided in this Agreement are cumulative and
not exclusive of any rights, powers, remedies and privileges provided by law.

(e)           Counterparts
and Confirmations.

(i)            This Agreement (and
each amendment, modification and waiver in respect of it) may be executed and
delivered in counterparts (including by facsimile transmission), each of which
will be deemed an original.

(ii)           The parties intend that they are
legally bound by the terms of each Transaction from the moment they agree to those terms
(whether orally or otherwise). A Confirmation shall be entered into as soon as
practicable and may be executed and delivered in counterparts (including by
facsimile transmission) or be
created by an exchange of telexes or by an exchange of electronic messages on an electronic messaging system, which in each case
will be sufficient for all purposes to evidence a binding supplement to this Agreement. The parties will specify therein
or through another effective means
that any such counterpart, telex or electronic message constitutes a
Confirmation.

(f)            No Waiver of Rights. A failure or
delay in exercising any right, power or privilege in respect of this Agreement will not be presumed to operate as a
waiver, and a single or partial exercise of any right, power or privilege will not be presumed to preclude any
subsequent or further exercise, of that right, power or privilege or the
exercise of any other right, power or privilege.

(g)           Headings. The headings used in this Agreement are for
convenience of reference only and are not to affect the construction of or to
be taken into consideration in interpreting this Agreement.

10.          Offices; Multibranch Parties

(a)           If Section 10(a) is
specified in the Schedule as applying, each party that enters into a
Transaction through an Office other than its head or home office represents to
the other party that, notwithstanding the place of booking office or jurisdiction of
incorporation or organisation of such party, the obligations of such party are the same as if
it had entered into the Transaction through its head or home office. This
representation will be deemed to be repeated by such party on each date on which a
Transaction is entered into.

(b)           Neither party may change
the Office through which it makes and receives payments or deliveries for the purpose of a
Transaction without the prior written consent of the other party.

(c)           If a party is specified as
a Multibranch Party in the Schedule, such Multibranch Party may make and receive payments or
deliveries under any Transaction through any Office listed in the Schedule, and
the Office
through which it makes and receives payments or deliveries with respect to a
Transaction will be specified in
the relevant Confirmation.

11.           Expenses

A Defaulting Party will, on demand, indemnify and hold
harmless the other party for and against all reasonable out-of-pocket
expenses, including legal fees and Stamp Tax, incurred by such other party by reason of the
enforcement and protection of its rights under this Agreement or any Credit
Support Document

 12
 

 

to which the Defaulting Party is a party or by reason of
the early termination of any Transaction, including, but not limited to, costs
of collection.

12.          Notices

(a)           Effectiveness. Any
notice or other communication in respect of this Agreement may be given in any manner
set forth below (except that a notice or other communication under Section 5 or
6 may not be given by facsimile transmission or electronic messaging
system) to the address or number or in accordance with the electronic messaging system details provided (see the Schedule) and
will be deemed effective as indicated:—

(i)     if in writing and delivered in person or by
courier, on the date it is delivered;

(ii)    if sent by telex, on the date the recipient’s
answerback is received;

(iii)   if sent by facsimile transmission, on the date that transmission
is received by a responsible employee of
the recipient in legible form (it being agreed that the burden of proving
receipt will be on the sender and
will not be met by a transmission report generated by the sender’s facsimile machine);

(iv)  if sent by certified or registered mail
(airmail, if overseas) or the equivalent (return receipt requested), on the date
that mail is delivered or its delivery is attempted; or

(v)   if sent by electronic messaging system, on
the date that electronic message is received,

unless the date of that delivery (or attempted delivery)
or that receipt, as applicable, is not a Local Business Day or that
communication is delivered (or attempted) or received, as applicable, after the
close of business on a Local Business Day, in which case that communication
shall be deemed given and effective on the first following day that is a Local Business Day.

(b)           Change of Addresses. Either party may by notice to the other change
the address, telex or facsimile number or electronic messaging system
details at which notices or other communications are to be given to it.

13.          Governing
Law and Jurisdiction

(a)           Governing Law. This Agreement will be governed by and construed in
accordance with the law specified in the Schedule.

(b)           Jurisdiction.
With respect to any suit, action or proceedings relating to this Agreement
(“Proceedings”), each party irrevocably:—

(i)     submits
to the jurisdiction of the English courts, if this Agreement is expressed to be
governed by English law, or to the
non-exclusive jurisdiction of the courts of the State of New York and the United States District Court located in the Borough
of Manhattan in New York City, if this Agreement is expressed to be
governed by the laws of the State of New York; and

(ii)    waives any objection which it may have at
any time to the laying of venue of any Proceedings brought in any such
court, waives any claim that such Proceedings have been brought in an
inconvenient forum and further waives the right to object, with respect to such
Proceedings, that such court does
not have any jurisdiction over such party.

Nothing in this Agreement precludes either party from
bringing Proceedings in any other jurisdiction (outside, if this
Agreement is expressed to be governed by English law, the Contracting States,
as defined in
Section 1(3) of the Civil Jurisdiction and Judgments Act 1982 or any
modification, extension or re-enactment thereof for the time being in force) nor
will the bringing of Proceedings in any one or more jurisdictions preclude
the bringing of Proceedings in any other jurisdiction.

(c)           Service of Process. Each
party irrevocably appoints the Process Agent (if any) specified opposite its name in the Schedule to receive, for it and
on its behalf, service of process in any Proceedings. If for any

 13
 

 

reason any party’s Process Agent is unable to act as
such, such party will promptly notify the other party and within 30 days
appoint a substitute process agent acceptable to the other party. The parties
irrevocably consent
to service of process given in the manner provided for notices in Section 12.
Nothing in this Agreement will
affect the right of either party to serve process in any other manner permitted
by law.

(d)           Waiver of Immunities. Each
party irrevocably waives, to the fullest extent permitted by applicable law, with respect to
itself and its revenues and assets (irrespective of their use or intended use),
all immunity on
the grounds of sovereignty or other similar grounds from (i) suit, (ii)
jurisdiction of any court, (iii) relief by way of injunction, order for specific
performance or for recovery of property, (iv) attachment of its assets (whether before or after judgment) and (v)
execution or enforcement of any judgment to which it or its revenues or assets
might otherwise be entitled in any Proceedings in the courts of any
jurisdiction and irrevocably agrees, to the
extent permitted by applicable law, that it will not claim any such immunity in
any Proceedings.

14.          Definitions

As used in this Agreement:—

“Additional Termination Event” has
the meaning specified in Section 5(b).

“Affected Party” has the meaning specified in Section 5(b).

“Affected Transactions”
means (a) with respect to any Termination Event consisting of an
Illegality, Tax Event or Tax
Event Upon Merger, all Transactions affected by the occurrence of such
Termination Event and (b) with respect to any other Termination Event, all Transactions.

“Affiliate” means, subject to the Schedule, in relation to
any person, any entity controlled, directly or indirectly, by the person, any entity that controls, directly or
indirectly, the person or any entity directly or indirectly under common control
with the person. For this purpose, “control” of any entity or person means ownership
of a majority of the voting power of the entity or person.

“Applicable Rate” means:—

(a)      in respect of obligations payable or
deliverable (or which would have been but for Section 2(a)(iii)) by a
Defaulting Party, the Default Rate;

(b)      in respect of an
obligation to pay an amount under Section 6(e) of either party from and after
the date (determined in
accordance with Section 6(d)(ii)) on which that amount is payable, the Default
Rate;

(c)      in respect of all other
obligations payable or deliverable (or which would have been but for Section 2(a)(iii)) by a Non-defaulting Party,
the Non-default Rate; and

(d)      in all other cases, the Termination Rate. 

“Burdened Party” has the meaning
specified in Section 5(b).

“Change in Tax Law” means the enactment,
promulgation, execution or ratification of, or any change in or amendment to, any law
(or in the application or official interpretation of any law) that occurs on or
after the date on which the
relevant Transaction is entered into.

“consent” includes a consent, approval, action,
authorisation, exemption, notice, filing, registration or exchange control
consent.

“Credit Event Upon Merger” has the meaning specified in Section 5(b).

“Credit Support Document” means any agreement or
instrument that is specified as such in this Agreement.

“Credit Support Provider” has the meaning specified in the Schedule.

“Default Rate” means a rate per annum equal to the cost (without proof or
evidence of any actual cost) to the relevant payee (as certified by it) if it were to
fund or of funding the relevant amount plus 1% per annum.

 14
 

 

“Defaulting Party” has the meaning specified
in Section 6(a).

“Early
Termination Date” means the
date determined in accordance with Section 6(a) or 6(b)(iv). 

“Event of Default” has the meaning specified
in Section 5(a) and, if applicable, in the Schedule. 

“Illegality” has the meaning specified in Section 5(b).

“Indemnifiable Tax” means any Tax other than
a Tax that would not be imposed in respect of a payment under this Agreement but
for a present or former connection between the jurisdiction of the government
or taxation authority imposing such Tax and the recipient of such payment or a
person related to such recipient (including, without limitation, a connection arising from
such recipient or related person being or having been a citizen or resident of
such jurisdiction, or being or having been organised, present or engaged in a trade or business in
such jurisdiction, or having or having had a permanent establishment or fixed
place of business in such jurisdiction, but excluding a connection arising
solely from such recipient or related person having executed, delivered, performed its
obligations or received a payment under, or enforced, this Agreement or a Credit Support Document).

“law” includes
any treaty, law, rule or regulation (as modified, in the case of tax matters,
by the practice of any relevant governmental
revenue authority) and “lawful” and “unlawful” will be construed accordingly.

“Local Business Day” means, subject to the
Schedule, a day on which commercial banks are open for business (including
dealings in foreign exchange and foreign currency deposits) (a) in relation to
any obligation under Section 2(a)(i),
in the place(s) specified in the relevant Confirmation or, if not so specified,
as otherwise agreed by the parties in
writing or determined pursuant to provisions contained, or incorporated by
reference, in this Agreement, (b) in relation to any other payment, in the
place where the relevant account is located and, if different, in the principal
financial centre, if any, of the currency of such payment, (c) in relation to any notice or other communication,
including notice contemplated under Section 5(a)(i), in the city specified in the address for notice provided
by the recipient and, in the case of a notice contemplated by Section 2(b), in the place where the relevant
new account is to be located and (d) in relation to Section 5(a)(v)(2), in the relevant locations for
performance with respect to such Specified Transaction.

“Loss” means, with respect to
this Agreement or one or more Terminated Transactions, as the case may be, and a party, the Termination
Currency Equivalent of an amount that party reasonably determines in good faith
to be its
total losses and costs (or gain, in which case expressed as a negative number)
in connection with this Agreement or that Terminated Transaction or group of Terminated
Transactions, as the case may be, including any loss of bargain, cost of
funding or, at the election of such party but without duplication, loss or cost
incurred as a result of its terminating, liquidating, obtaining or reestablishing any hedge
or related trading position (or any gain resulting from any of them). Loss
includes losses and costs (or gains) in respect of any payment or delivery required to have been made (assuming
satisfaction of each applicable condition precedent) on or before the relevant Early Termination Date and not made,
except, so as to avoid duplication, if Section 6(e)(i)(1) or (3) or 6(e)(ii)(2)(A) applies. Loss does not include a
party’s legal fees and out-of-pocket expenses referred to under Section 11. A party will determine its Loss as of
the relevant Early Termination Date, or, if that is not reasonably practicable, as of the earliest date thereafter as
is reasonably practicable. A party may (but need not) determine its Loss by reference to quotations of relevant
rates or prices from one or more leading dealers in the relevant markets.

“Market Quotation” means, with respect to one or more Terminated
Transactions and a party making the determination,
an amount determined on the basis of quotations from Reference Market-makers.
Each quotation will be for an amount,
if any, that would be paid to such party (expressed as a negative number) or by such party (expressed as a positive number)
in consideration of an agreement between such party (taking into account
any existing Credit Support Document with respect to the obligations of such
party) and the quoting Reference Market-maker
to enter into a transaction (the “Replacement Transaction”) that would have the
effect of preserving for such party the economic equivalent of any payment or
delivery (whether the underlying obligation was absolute or contingent and
assuming the satisfaction of each applicable condition precedent) by the
parties under Section 2(a)(i) in respect of such Terminated Transaction or
group of Terminated Transactions that would, but for the occurrence of the relevant
Early Termination Date, have

 15
 

 

been required after that
date. For this purpose, Unpaid Amounts in respect of the Terminated Transaction
or group of Terminated Transactions are to be excluded but, without limitation,
any payment or delivery that would, but for the relevant Early Termination
Date, have been required (assuming satisfaction of each applicable condition
precedent) after that Early Termination Date is to be included. The Replacement
Transaction would be subject to such documentation as such party and the
Reference Market-maker may, in good faith, agree. The party making the
determination (or its agent) will request each Reference Market-maker to
provide its quotation to the extent reasonably practicable as of the same day
and time (without regard to different time zones) on or as soon as reasonably
practicable after the relevant Early Termination Date. The day and time as of
which those quotations are to be obtained will be selected in good faith by the
party obliged to make a determination under Section 6(e), and, if each party is
so obliged, after consultation with the other. If more than three quotations
are provided, the Market Quotation will be the arithmetic mean of the
quotations, without regard to the quotations having the highest and lowest
values. If exactly three such quotations are provided, the Market Quotation
will be the quotation remaining after disregarding the highest and lowest
quotations. For this purpose, if more than one quotation has the same highest
value or lowest value, then one of such quotations shall be disregarded. If
fewer than three quotations are provided, it will be deemed that the Market
Quotation in respect of such Terminated Transaction or group of Terminated
Transactions cannot be determined.

“Non-default Rate” means a
rate per annum equal to the cost (without proof or evidence of any actual cost)
to the Non-defaulting Party (as certified by it) if it were to fund the
relevant amount.

“Non-defaulting
Party” has the meaning
specified in Section 6(a).

“Office” means a branch or office of a party, which may be
such party’s head or home office.

“Potential Event of Default” means any event which, with the giving of notice
or the lapse of time or both, would
constitute an Event of Default.

“Reference Market-makers” means four leading dealers in the relevant market
selected by the party determining a
Market Quotation in good faith (a)
from among dealers of the highest credit standing which satisfy all the
criteria that such party applies generally at the time in deciding whether to
offer or to make an extension of credit and (b) to the extent practicable, from
among such dealers having an office in the same city.

“Relevant
Jurisdiction” means,
with respect to a party, the jurisdictions (a) in which the party is incorporated, organised, managed and controlled
or considered to have its seat, (b) where an Office through which the party is acting for purposes of this
Agreement is located, (c) in which the party executes this Agreement and (d) in relation to any payment,
from or through which such payment is made.

“Scheduled Payment Date” means a date on which a payment or delivery is to
be made under Section 2(a)(i) with
respect to a Transaction.

“Set-off” means
set-off, offset, combination of accounts, right of retention or withholding or
similar right or requirement to
which the payer of an amount under Section 6 is entitled or subject (whether
arising under this Agreement,
another contract, applicable law or otherwise) that is exercised by, or imposed
on, such payer.

“Settlement
Amount” means, with respect to
a party and any Early Termination Date, the sum of: —

(a)           the Termination Currency Equivalent
of the Market Quotations (whether positive or negative) for each Terminated
Transaction or group of Terminated Transactions for which a Market Quotation is
determined; and

(b)           such party’s Loss (whether positive
or negative and without reference to any Unpaid Amounts) for each Terminated
Transaction or group of Terminated Transactions for which a Market Quotation
cannot be determined or would not (in the reasonable belief of the party making
the determination) produce a commercially reasonable result.

“Specified
Entity” has the meanings
specified in the Schedule.

 16
 

 

“Specified Indebtedness” means, subject to the
Schedule, any obligation (whether present or future, contingent or otherwise,
as principal or surety or otherwise) in respect of borrowed money.

“Specified Transaction” means, subject to the Schedule, (a) any transaction
(including an agreement with respect thereto) now existing or hereafter entered into
between one party to this Agreement (or any Credit Support Provider of such party or
any applicable Specified Entity of such party) and the other party to this
Agreement (or any
Credit Support Provider of such other party or any applicable Specified Entity
of such other party) which is a rate swap transaction, basis swap, forward rate
transaction, commodity swap, commodity option, equity or equity index swap, equity
or equity index option, bond option, interest rate option, foreign exchange
transaction, cap transaction,
floor transaction, collar transaction, currency swap transaction,
cross-currency rate swap transaction,
currency option or any other similar transaction (including any option with
respect to any of these transactions), (b) any combination of these
transactions and (c) any other transaction identified as a Specified
Transaction in this Agreement or the relevant confirmation.

“Stamp Tax” means any stamp, registration, documentation
or similar tax.

“Tax” means any present or
future tax, levy, impost, duty, charge, assessment or fee of any nature
(including interest,
penalties and additions thereto) that is imposed by any government or other
taxing authority in respect of any payment under this Agreement other than a stamp,
registration, documentation or similar tax.

“Tax Event” has the meaning specified
in Section 5(b).

“Tax Event Upon Merger” has the meaning specified
in Section 5(b).

“Terminated Transactions” means with respect to any
Early Termination Date (a) if resulting from a Termination Event, all Affected Transactions and (b) if resulting from
an Event of Default, all Transactions (in
either case) in effect immediately before the effectiveness of the notice
designating that Early Termination Date
(or, if “Automatic Early Termination” applies, immediately before that Early
Termination Date).

“Termination
Currency” has the
meaning specified in the Schedule.

“Termination Currency Equivalent” means, in respect of any
amount denominated in the Termination Currency, such Termination Currency amount and, in
respect of any amount denominated in a currency other than the Termination
Currency (the “Other Currency”), the amount in the Termination Currency
determined by the party making
the relevant determination as being required to purchase such amount of such
Other Currency as at the relevant Early
Termination Date, or, if the relevant Market Quotation or Loss (as the case may
be), is determined as of a later date, that later date, with the Termination
Currency at the rate equal to the spot exchange rate of the foreign exchange
agent (selected as provided below) for the purchase of such Other Currency with
the Termination Currency at or about 11:00 a.m. (in the city in which such
foreign exchange agent is located) on such date as would be customary for the
determination of such a rate for the purchase of such Other Currency for value
on the relevant Early Termination Date or that later date. The foreign exchange
agent will, if only one party is obliged to make a determination under Section
6(e), be selected in good faith by that party and otherwise will be agreed by
the parties.

“Termination Event” means an Illegality, a Tax Event or a Tax
Event Upon Merger or, if specified to be applicable,
a Credit Event Upon Merger or an Additional Termination Event.

“Termination Rate” means a rate per annum
equal to the arithmetic mean of the cost (without proof or evidence of any actual
cost) to each party (as certified by such party) if it were to fund or of
funding such amounts.

“Unpaid Amounts” owing to any party means, with respect to
an Early Termination Date, the aggregate of (a) in respect of all Terminated
Transactions, the amounts that became payable (or that would have become
payable but for Section 2(a)(iii)) to such party under Section 2(a)(i) on or
prior to such Early Termination Date and which remain unpaid as at such Early
Termination Date and (b) in respect of each Terminated Transaction, for each
obligation under Section 2(a)(i) which was (or would have been but for Section
2(a)(iii)) required to be settled by delivery to such party on or prior to such
Early Termination Date and which has not been so settled as at such Early
Termination Date, an amount equal to the fair market

 17
 

 

value of that which was (or
would have been) required to be delivered as of the originally scheduled date
for delivery, in each case together with (to the extent permitted under
applicable law) interest, in the currency of such amounts, from (and including)
the date such amounts or obligations were or would have been required to have
been paid or performed to (but excluding) such Early Termination Date, at the
Applicable Rate. Such amounts of interest will be calculated on the basis of
daily compounding and the actual number of days elapsed. The fair market value
of any obligation referred to in clause (b) above shall be reasonably
determined by the party obliged to make the determination under Section 6(e)
or, if each party is so obliged, it shall be the average of the Termination
Currency Equivalents of the fair market values reasonably determined by both
parties.

IN WITNESS WHEREOF the parties
have executed this document on the respective dates specified below with
effects from the date specified on the first page of this document.

	
  

  	
  BANK OF
  AMERICA, N.A.

  	
   

  	
  CNH EQUIPMENT TRUST 2006–B

  	
   

  
	
   

  	
  By:

  	
  THE BANK OF NEW YORK, not in its

  
	
   

  	
   

  	
  individual
  capacity, but solely

  
	
   

  	
   

  	
  as
  Trustee

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  By:

  	
  /s/ 

  	
  Roger
  Heintzelman

  	
   

  	
  By:

  	
   

  	
  /s/

  	
  Catherine Murray

  
	
   

  	
  Name:

  	
  Roger
  Heintzelman

  	
   

  	
  Name:

  	
   

  	
  Catherine Murray

  
	
   

  	
  Title:

  	
  Senior Vice
  President

  	
   

  	
  Title:

  	
   

  	
  Assistant Vice President

  
	
   

  	
  Date:

  	
  9/13/06

  	
   

  	
  Date:

  	
   

  	
   

  
											

 

 18

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