Document:

Loan
      Contract

     

    Contract
      Serial Number: 35101200700007053

     

    The
      Borrower (Full Name) : Huabao Mingxiang Foods Co., Ltd.

     

    The
      Lender (Full
      Name) :
      Shishi
      Subbranch, Agricultural Bank of China

     

    This
      Contract is made and entered into by and between the Parties hereto through
      negotiation in accordance with relevant laws and regulations of
      China.

     

    Article
      1  Loan
      details

     

    1. Type
      of
      Loan: short-term working capital loan

     

    2. Use
      of
      Loan: for working capital

     

    3. Currency
      and
      Amount of Loan (In words) : RMB Five
      Point Twenty-Six 
      Million Yuan

     

    4. Life
      of
      Loan: 

     

    
      	
            	(1)	
              Loan
                period is shown in the following
                table.

            

    

     

    
      	
              Drawdown

            	 	
              Maturity

            
	
              Date

            	 	
              Total Amount

            	 	
              Date

            	 	
              Total Amount

            
	
              
                August
                  21,

                2007

              

            	 	
              
                RMB5,260,000
                  

              

            	 	
              
                August
                  20,

                2008

              

            	 	
              
                RMB5,260,000

              

            
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 

    

     

    (The
      additional schedules of this table constitute an integral part of this
      Contract.)

     

    
      	
            	(2)	
              Where
                there is any difference between the amounts of loan, the drawdown
                date and
                maturity date recorded in this Contract and the same in the loan
                voucher,
                the latter shall prevail. Said Loan voucher shall constitute an integral
                part of this Contract. Where
                the loan hereunder is made in foreign currency, the Borrower shall
                repay
                the principal and interest of said loan in original currency at the
                time
                as agreed.

            

    

    
      
        
        

      

      
        1

        
          

        

      

      
        
        

      

    

     

    5.        Floating
      interest rate

     

    The
      lending rate shall increase by 30%
      on the
      basis of the benchmark interest rate, i.e. effective annual interest rate is
      7.956%.
      The
      benchmark interest rate for a five-year loan or below shall be that of the
      loan
      at the same term declared by the People's Bank of China, and the benchmark
      interest rate for a loan above five-year shall be that of the loan at the same
      term declared by the People's Bank of China plus N/A
      (in
      words) percentage points.

     

    One
      cycle
      of interest rate adjustment shall last for three
      (in
      words) months. Where the benchmark interest rate of the money borrowed is
      adjusted by the People's Bank of China, the Lender shall, from the corresponding
      date of first month of the next circle after benchmark interest rate adjustment,
      adopt the new interest rate determined according to the adjusted benchmark
      interest rate for different term of loan and aforesaid calculating method,
      and
      the Lender may not notify the Borrower. Where the benchmark interest rate
      adjustment date is the same date as the disbursement date of the loan or the
      corresponding date of loan of the first month of said circle, the new interest
      rate shall be determined from the adjustment date of the benchmark interest
      rate. Where there is no corresponding date of loan, the last day of said month
      shall be deemed as the corresponding date of loan.

     

    6.        Settlement
      of interest

     

    The
      interest of the loan hereunder shall be settled on quarterly
      basis,
      and the interest settlement date shall be the 20th day of the last month in
      each
      quarter. The Borrower shall pay the interest on each interest settlement date.
      Where the last repayment date of the principal does not fall on an interest
      payment date, the unpaid interest shall be settled on the principal repayment
      date (interest rate per day = interest rate per month/30).

     

    
      	Article
              2	
              The
                Lender shall have the right to refuse to provide the loan hereunder
                until
                the following conditions are
                satisfied

            

    

     

    
      	
              1.

            	
              The
                Borrower has opened a basic account in the Lender's
                office.

            

    

     

    
      	
              2.

            	
              The
                Borrower has provided relevant documents and data required by the
                Lender
                and has gone through relevant procedures as
                required.

            

    

     

    
      	
              3.

            	
              For
                loan made in foreign currency, the Borrower has gone through relevant
                procedures for approval and registration and other procedures required
                by
                law in accordance with relevant
                provisions.

            

    

     

    
      	
              4.

            	
              Where
                there is a mortgage or pledge attached to the loan hereunder, the
                Borrower
                has gone through relevant legal procedures for registration and/or
                insurance as required by the Lender, and such mortgage or pledge
                or
                insurance shall be effective continuously. Where there is a guarantee
                attached to the loan hereunder, the contract of guaranty thereof
                has been
                executed and come into effect.

            

    

     

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

     

    Article
      3  Rights
      and obligations of the Lender

     

    
      	1.	
              The
                Lender shall have the right to get to know information of the Borrower
                such as production operations, financing activities, goods and materials
                stock and use of loan. It shall also have the right to require the
                Borrower to provide documents such as its financial statements, other
                data
                and information on time. 

            

    

     

    
      	2.	
              Where
                the Borrower is under any of the following circumstances specified
                in Item
                7, Item 8 and Item 10 of Article 4 hereof (including but not limited
                to)
                which are enough to influence the security of loan, the Lender may
                stop to
                provide loan or take the loan back prior to the time limit as agreed.
                

            

    

     

    
      	3.	
              When
                taking back or taking back the principal, interest, default interest,
                compound interest of the loan and other expense payable from the
                Borrower
                prior to the time limit as agreed, the Lender may transfer said amount
                of
                money from any accounts of the Borrower.

            

    

     

    
      	4.	
              Where
                the money repaid by the Borrower is not enough for the repayment
                of the
                amount payable hereunder, the Lender may choose to repay the principal,
                interest, default interest, compound interest of said loan or other
                expenses with said amount of money.

            

    

     

    
      	5.	
              Where
                the Borrower fails to fulfill its repayment obligations, the Lender
                may
                openly disclose the Borrower's breach of the Contract.
                

            

    

     

    
      	6.	
              The
                Lender shall provide loan to the Borrower in full amount at the time
                as
                agreed herein.

            

    

     

    Article
      4  Rights
      and obligations of the Borrower

     

    
      	1.	
              The
                Borrower shall have the right to acquire and use the loan as agreed
                herein.

            

    

     

    
      	
              2.

            	
              The
                Borrower shall deal with the settlement and deposit affairs relevant
                to
                the loan hereunder through the account agreed in the Article 2 hereof.
                

            

    

     

    
      	
              3.

            	
              Where
                the loan hereunder is made in foreign currency, the Borrower shall
                go
                through relevant procedures for approval and registration and other
                procedures required by law in accordance with relevant provisions.
                

            

    

     

    
      	
              4.

            	
              The
                Borrower shall repay the principal and interest of the money borrowed
                at
                the time as agreed. Where the Borrower needs to renew this Contract,
                it
                shall submit a written application thereof to the Lender 15 days
                before
                the maturity date of the loan, and an extension contract thereof
                shall be
                concluded with the Lender upon the Lender's
                consent.

            

    

     

    
      	5.	
              The
                loan shall be used in the way as agreed herein, and shall not be
                illegally
                occupied or misappropriated. 

            

    

     

    
      
        
        

      

      
        3

        
          

        

      

      
        
        

      

    

     

    
      	6.	
              The
                Borrower shall provide true, integrate and valid financial statements
                or
                other related data and information to the Lender on a monthly basis
                and
                shall actively cooperate with the Lender in examining its production
                operations, financing activities and its use of the loan hereunder.
                

            

    

     

    
      	7.	
              Before
                taking such activities as contracting, leasing, joint-stock system
                reform,
                merger, split-up, establishing, joint ventures, asset assignment,
                applying
                for suspension of business or rectification, voluntary dissolution,
                voluntary bankruptcy and other activities which are enough to cause
                changes to the creditor's rights and liabilities herein or which
                are
                enough to influence the realization of the Lender's creditor's rights,
                the
                Borrower shall not carry out the foregoing activities unless it notifies
                the Lender in written form in advance and concurrently makes certain
                of
                its performance of debt or fulfills its repayment obligations in
                advance.

            

    

     

    
      	8.	
              Save
                as provided in the above item 7 of this Article, where the Borrower
                is
                under any such other circumstances which will exert great detrimental
                effects on its fulfillment obligations of repayment hereunder as
                suspension of business, discontinuation of business, cancellation
                of
                registration, cancellation of business license, or where its legal
                representative or major principals are involved in illegal activities,
                the
                Borrower is involved in material lawsuits or arbitrations, or grave
                difficulties arise in its production operations, or deterioration
                happens
                in its financial condition, the Borrower shall forthwith send the
                Lender a
                written notice thereof and shall made certain of the protective measures
                of creditor's rights accepted by the Lender.

            

    

     

    
      	9.	
              Where
                the Borrower provides a warranty for other person's liabilities or
                provides a mortgage or pledge to a third party with its principal
                properties which may influence its repayment capacity hereunder,
                the
                Borrower shall send the Lender a written notice thereof and shall
                obtain
                consent thereof from the Lender. 

            

    

     

    
      	10.	
              The
                Borrower and its investors shall not, without approval, withdraw
                their
                capital, transfer their assets, or assign their shares to evade their
                liabilities to the Lender.

            

    

     

    
      	11.	
              Where
                there is any change to the name, legal representative, address or
                the
                scope of business of the Borrower, the Borrower shall send a written
                notice thereof to the Lender in time.

            

    

     

    
      	12.	
              Where
                the assuror hereunder is under any of the following circumstances
                such as
                suspension of business, discontinuation of business, cancellation
                of
                registration, cancellation of business license, bankruptcy and poor
                operation, or the assuror loses part or all its corresponding warranty
                capacity relating to this Contract, or the property mortgaged, the
                property pledged for the loan hereunder, or the value of the rights
                pledged decrease, the Borrower shall provide other warranty measures
                in
                time accepted by the Lender. 

            

    

     

    
      	13.	
              The
                Borrower shall assume such expenses for lawyer's service, insurance,
                transportation, evaluation, registration, custody, appraisal and
                notarization fees relevant to this Contract and the warrant
                hereunder.

            

    

    
      
        
        

      

      
        4

        
          

        

      

      
        
        

      

    

     

    Article
      5 Repayment
      before the maturity date

     

    Where
      the
      Borrower intends to repay the loan before the maturity date, it shall obtain
      consent from the Lender thereof. Where the Lender agrees the Borrower to repay
      the loan in advance, the interest of the loan repaid in advance shall be
      calculated in accordance with item
      2
      below:

     

    
      	
              1.

            	
              The
                interest thereof shall be calculated based on the term of loan and
                interest rate as agreed herein.

            

    

     

    
      	
              2.

            	
              The
                interest thereof shall be calculated on the basis of the interest
                rate as
                agreed herein.

            

    

     

    Article
      6 Liability for breach of contract

     

    
      	
              1.

            	
              Where
                the Lender fails to provide loan to the Borrower in full at the time
                agreed herein, thus causing losses to the Borrower, the Lender shall
                pay
                penalty for breach of contract to the Borrower on the basis of the
                total
                amount thereof and the number of days postponed, and the penalty
                shall be
                calculated in the same way as that of the interest of the overdue
                loan at
                the same term.

            

    

     

    
      	
              2.

            	
              Where
                the Borrower fails to repay the principal of the loan at the time
                as
                agreed herein, the Lender may charge a penalty interest for the overdue
                loan from the overdue date to the repayment date of all the principal
                and
                interest of the loan. And the penalty interest rate thereof shall
                increase
                by thirty
                percent
                (in words) on the basis of the interest rate as agreed herein. During
                the
                overdue period, where the loan is made in the currency of RMB and
                where
                the People's Bank of China increases the benchmark interest rate
                of RMB of
                the same term, the said penalty interest rate shall increase accordingly
                from the adjustment date of said benchmark interest
                rate.

            

    

     

    
      	
              3.

            	
              Where
                the Lender fails to use the loan as agreed, the Lender may charge
                a
                penalty interest for the part of loan of improper use from the date
                thereof to the repayment date of all the principal and interest of
                the
                loan. And the penalty interest rate thereof shall increase by fifty
                percent
                (in words) on the basis of the interest rate as agreed herein. During said
                overdue period, where the loan is made in the currency of RMB and
                where
                the People's Bank of China increases the benchmark interest rate
                of RMB of
                the same term, the said penalty interest rate shall increase
                correspondingly from the adjustment date of said benchmark interest
                rate.

            

    

     

    
      	
              4.

            	
              The
                Lender may collect a compound interest on the accrued interest in
                accordance with the provisions of the People's Bank of China. Said
                accrued
                interest shall consist of the accrued interest occurring during the
                term
                of loan (including the default interest for improper use) and the
                accrued
                interest occurring after overdue loan (including the default interest
                for
                overdue loan and the default interest for improper use).The Lender
                may,
                within the term of loan, charge a compound interest on the accrued
                interest occurring in the same term on the basis of interest rate
                as
                agreed. A compound interest shall be calculated on the basis of interest
                rate of overdue loan from the maturity date. And the compound interest
                for
                the accrued interest of overdue loan shall be counted on the basis
                of the
                interest rate thereof.

            

    

     

    
      
        
        

      

      
        5

        
          

        

      

      
        
        

      

    

     

    
      	
              5.

            	
              Where
                the Borrower fails to fulfill its obligations hereunder, the Lender
                shall
                have the rights to require the Borrower to rectify such breach, stop
                to
                provide the loan agreed and take back the loan provided in advance,
                and it
                shall also have the right to declare that the loan under other loan
                contracts concluded between the Borrower and the Lender is due or
                adopt
                other protective measures of
                assets.

            

    

     

    
      	
              6.

            	
              Where
                any guarantor of the loan hereunder fails to fulfill its obligations
                herein, the Lender shall have the rights to stop to provide said
                loan to
                the Borrower, take back the loan provided or adopt other protective
                measures of assets.

            

    

     

    
      	
              7.

            	
              Where
                the Lender realizes its creditor's rights through lawsuit or arbitration
                due to breach of Contract by the Borrower, the Borrower shall be
                responsible to pay for all retainer fee, traveling expense and other
                expenses in realizing its creditor's rights which are paid by the
                Lender.
                

            

    

     

    Article
      7  Warranty

     

    The
      Parties hereto take guarantee as the warranty type herein, and a guarantee
      contract thereof shall be concluded otherwise. Where a maximum amount guarantee
      contract is adopted, the number of said contract shall be NO. 35905200900000003
      and
      35902200700012399.

     

    Article
      8  Settlement
      of disputes

     

    Where
      there are any disputes arising from the performance hereof, the Parties hereto
      may settle the dispute through negotiation, and they also may settle said
      disputes through the way provided in item
      1
      below.

     

    
      	
              1.

            	
              Lawsuit:
                The lawsuit shall be under jurisdiction of the people's court in
                the place
                where the Lender is located.

            

    

     

    
      	
              2.

            	
              Arbitration:
                The dispute may be submitted to _________ (full
                name of the arbitration authority) in accordance with its arbitration
                rules for arbitration.

            

    

     

    During
      the term of said lawsuit or arbitration, the Parties hereto shall continuously
      carry out the clauses hereof not involved in said disputes.

     

    Article
      9  Other
      provisions

     

      __________________________________________________________________________________________________________________

       

      __________________________________________________________________________________________________________________

       

      __________________________________________________________________________________________________________________

       

      __________________________________________________________________________________________________________________

       

      __________________________________________________________________________________________________________________

       

    

    
      
        
        

      

      
        6

        
          

        

      

      
        
        

      

    

     

    Article
      10  Validity
      of this Contract

     

    This
      Contract shall come into effect as of the date of signature or seal of this
      Contract by the Parties hereto. .

     

    Article
      11  Copies
      of this Contract

     

    This
      Contract is made in three
      copies
      with equal effect. Each Party hereto shall hold one of them, and each warrantor
      shall hold one of them.

     

    Article
      12  Prompts

     

    The
      Lender has reminded the Borrower of making all-round and correct understanding
      of the printed clauses of this Contract and has explained relevant clauses
      hereof upon the request of the Borrower. Both Parties hereto agree with the
      meaning of all the definitions and terms herein.

    
      
        
        

      

      
        7

        
          

        

      

      
        
        

      

    

     

    
      	
              The
                Borrower (signature
                and seal)

               

              Huabao
                Mingxiang Foods Co., Ltd.

               

              Legal
                Representative or Authorized Agent 

               

              Liu
                Pengfei

            	
              The
                Lender (signature
                and seal)

               

              Shishi
                Subbranch, Agricultural Bank of China

               

              Principal
                or Authorized Agent

               

              Wu
                Weimin

               

            
	 	
               

              Date:
                August
                21, 2007

               

              Place:
                Shishi
                Subbranch, Agricultural Bank of
                China

            

    

     

    
      
        
        

      

      
        8Unassociated Document

     

      
        

      

    

     

    U.S.
      $15,000,000

    

    REVOLVING
      LOAN AND SECURITY AGREEMENT

    

    Dated
      as
      of January 31, 2008

    

    Among

    

    FREEDOM
      FINANCIAL AUTO RECEIVABLES, LLC

    

    as
      the
      Borrower

    

    and

    

    FREEDOM
      FINANCIAL GROUP, INC.,

    

    individually
      and as the initial Servicer 

    

    and

    

    ARCHON
      GROUP, L.P.,

    

    as
      the
      Administrator and Custodian

    

    and

    

    REMARK
      LENDING CO.,

    

    individually
      and as the initial Lender

    

    

    
      
        

      

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    TABLE
      OF CONTENTS

     

    
      	 	
              Page

            
	 	 
	
              ARTICLE
                I. DEFINITIONS

            	
              1

            
	 	 
	
              SECTION 1.01

            	
              Certain
                Defined Terms

            	
              1

            
	
              SECTION
                1.02

            	
              Other
                Terms

            	
              1

            
	
              SECTION
                1.03

            	
              Computation
                of Time Periods

            	
              1

            
	 	 
	
              ARTICLE
                II. THE RECEIVABLES FACILITY

            	
              1

            
	 	 
	
              SECTION
                2.01

            	
              Borrowings

            	
              1

            
	
              SECTION
                2.02

            	
              The
                Initial Borrowing and Subsequent Borrowings

            	
              2

            
	
              SECTION
                2.03

            	
              Facility
                Maturity Date

            	
              3

            
	
              SECTION
                2.04

            	
              Remittance
                Procedures

            	
              3

            
	
              SECTION
                2.05

            	
              Payments
                and Computations, Etc

            	
              4

            
	
              SECTION
                2.06

            	
              Increased
                Costs; Capital Adequacy

            	
              5

            
	
              SECTION
                2.07

            	
              Collateral
                Assignment of Agreements

            	
              5

            
	
              SECTION
                2.08

            	
              Grant
                of a Security Interest

            	
              6

            
	
              SECTION
                2.09

            	
              Evidence
                of Debt

            	
              7

            
	
              SECTION
                2.10

            	
              Representations
                and Warranties; Repayment Obligations

            	
              7

            
	
              SECTION
                2.11

            	
              Release
                of Pledged Receivables

            	
              7

            
	
              SECTION
                2.12

            	
              Make-Whole
                Fee

            	
              8

            
	
              SECTION
                2.13

            	
              Prepayment

            	
              8

            
	
              SECTION
                2.14

            	
              Notes

            	
              8

            
	
              SECTION
                2.15

            	
              Taxes

            	
              9

            
	 	
               

            
	
              ARTICLE
                III. CONDITIONS OF LOANS

            	
              9

            
	 	
               

            
	
              SECTION
                3.01

            	
              Conditions
                Precedent to Initial Borrowing

            	
              9

            
	
              SECTION
                3.02

            	
              Conditions
                Precedent to All Borrowings

            	
              13

            
	 	
               

            
	
              ARTICLE
                IV. REPRESENTATIONS AND WARRANTIES

            	
              15

            
	 	
               

            
	
              SECTION
                4.01

            	
              Representations
                and Warranties of Freedom Financial, the Servicer and the Borrower

            	
              15

            
	 	
               

            
	
              ARTICLE
                V. GENERAL COVENANTS OF THE BORROWER AND FREEDOM FINANCIAL

            	
              20

            
	 	
               

            
	
              SECTION
                5.01

            	
              General
                Covenants

            	
              20

            
	
              SECTION
                5.02

            	
              Separateness
                Covenants

            	
              25

            
	 	
               

            
	
              ARTICLE
                VI. ADMINISTRATION AND SERVICING; CERTAIN COVENANTS

            	
              27

            
	 	
               

            
	
              SECTION
                6.01

            	
              Appointment
                and Designation of the Servicer

            	
              27

            
	
              SECTION
                6.02

            	
              Collection
                of Receivable Payments; Modification and Amendment of
                Receivables

            	
              29

            
	
              SECTION
                6.03

            	
              Realization
                Upon Receivables

            	
              30

            
	
              SECTION
                6.04

            	
              Insurance
                Regarding Financed Vehicles

            	
              31

            
	
              SECTION
                6.05

            	
              Maintenance
                of Security Interests in Financed Vehicles

            	
              31

            

    

    
      	
              SECTION 6.06

            	
              Pledged
                Receivable Collections

            	
              33

            

    

     

    
      
        
        

      

      
        -i-

        
          

        

      

      
        
        

      

    

     

    
      	
              SECTION
                6.07

            	
              Servicing
                Expense

            	
              33

            
	
              SECTION
                6.08

            	
              Reporting
                Obligations of the Servicer

            	
              34

            
	
              SECTION
                6.09

            	
              Required
                Audits; Inspections

            	
              34

            
	
              SECTION
                6.10

            	
              Termination
                of Servicer

            	
              35

            
	
              SECTION
                6.11

            	
              Certain
                Duties of the Administrator

            	
              37

            
	
              SECTION
                6.12

            	
              Additional
                Remedies of Administrator Upon Event of Default

            	
              37

            
	
              SECTION
                6.13

            	
              Waiver
                of Defaults

            	
              38

            
	
              SECTION
                6.14

            	
              Maintenance
                of Certain Insurance

            	
              38

            
	
              SECTION
                6.15

            	
              Custody
                of Receivable Files

            	
              38

            
	
              SECTION
                6.16

            	
              Access
                to Receivable Files.

            	
              39

            
	
              SECTION
                6.17

            	
              Receipt
                of Lien Certificates

            	
              39

            
	
              SECTION
                6.18

            	
              Purchase
                of Receivables Upon Breach of Covenant or Representation and Warranty
                by
                Servicer

            	
              40

            
	
              SECTION
                6.19

            	
              Servicer
                Not To Resign

            	
              40

            
	
              SECTION
                6.20

            	
              Statements
                as to Compliance; Financial Statements

            	
              41

            
	
              SECTION
                6.21

            	
              Appointment
                of Subservicers

            	
              42

            
	 	
               

            
	
              ARTICLE
                VII. EVENTS OF DEFAULT

            	
              43

            
	 	
               

            
	
              SECTION
                7.01

            	
              Events
                of Default

            	
              43

            
	
              SECTION
                7.02

            	
              Additional
                Remedies of Administrator

            	
              45

            
	 	
               

            
	
              ARTICLE
                VIII. INDEMNIFICATION; SETOFF

            	
              46

            
	 	 
	
              SECTION
                8.01

            	
              Joint
                and Several Indemnities by the Borrower and Freedom
                Financial

            	
              46

            
	
              SECTION
                8.02

            	
              Right
                of Setoff

            	
              47

            
	 	
               

            
	
              ARTICLE
                IX. MISCELLANEOUS

            	
              47

            
	 	
               

            
	
              SECTION
                9.01

            	
              Amendments
                and Waivers

            	
              47

            
	
              SECTION
                9.02

            	
              Notices,
                Etc

            	
              48

            
	
              SECTION
                9.03

            	
              No
                Waiver; Remedies

            	
              48

            
	
              SECTION
                9.04

            	
              Binding
                Effect; Assignability; Multiple Lenders

            	
              49

            
	
              SECTION
                9.05

            	
              Term
                of this Agreement; Survival of Remedies, Representations, Warranties
                and
                Covenants

            	
              49

            
	
              SECTION
                9.06

            	
              GOVERNING
                LAW

            	
              49

            
	
              SECTION
                9.07

            	
              CONSENT
                TO JURISDICTION; SERVICE OF PROCESS

            	
              50

            
	
              SECTION
                9.08

            	
              WAIVER
                OF JURY TRIAL

            	
              51

            
	
              SECTION
                9.09

            	
              Costs,
                Expenses and Taxes

            	
              51

            
	
              SECTION
                9.10

            	
              No
                Proceedings

            	
              52

            
	
              SECTION
                9.11

            	
              Execution
                in Counterparts; Severability; Integration

            	
              52

            
	
              SECTION
                9.12

            	
              Waiver
                of Consequential Damages

            	
              53

            
	
              SECTION
                9.13

            	
              Marshalling;
                Payments Set Aside

            	
              53

            
	
              SECTION
                9.14

            	
              Usury
                Savings Clause

            	
              53

            
	
              SECTION
                9.15

            	
              Restriction
                on Sale or Financing of Receivables

            	
              54

            
	
              SECTION
                9.16

            	
              Right
                of Last Look

            	
              54

            
	
              SECTION
                9.17

            	
              Patriot
                Act Notice

            	
              55

            
	
              SECTION
                9.18

            	
              Obligations
                Several; Independent Nature of Lenders’ Rights

            	
              56

            

    

    

    
      
        
          
          

        

        
          -ii-

          
            

          

        

        
          
          

        

      

    

    

    LIST
      OF
      SCHEDULES AND EXHIBITS

     

    
      	
              SCHEDULES

            	 
	
              SCHEDULE I

            	
              Defined
                Terms

            
	
              SCHEDULE
                II

            	
              Servicing
                Policies and Procedures

            
	
              SCHEDULE III
                

            	
              Deferment
                Policy

            
	
              SCHEDULE
                IV

            	
              Underwriting
                Guidelines

            
	
              SCHEDULE
                V

            	
              Representations
                and Warranties with Respect to Eligible Receivables

            
	
              SCHEDULE
                VI

            	
              Tradenames,
                Fictitious Names and “Doing Business As” Names

            
	
              SCHEDULE
                VII

            	
              Existing
                Subordinated Debt

            
	 	 
	
              EXHIBITS

            	 
	
              EXHIBIT
                A-1

            	
              Form
                of Notice of Borrowing

            
	
              EXHIBIT
                A-2

            	
              Form
                of Borrowing Base Certificate

            
	
              EXHIBIT
                B

            	
              Form
                of Monthly Remittance Report and Compliance Certificate

            
	
              EXHIBIT
                C

            	
              Form
                of Collateral Receipt

            
	
              EXHIBIT
                D

            	
              Form
                of Release Request

            
	
              EXHIBIT
                E

            	
              Form
                of Note

            
	
              EXHIBIT
                F

            	
              Form
                of Guaranty

            
	
              EXHIBIT
                G

            	
              Form
                of Purchase and Contribution Agreement

            
	
              EXHIBIT
                H

            	
              Recommended
                Compliance Action Plan

            
	
              EXHIBIT
                I

            	
              Form
                of Warrant Agreement

            

    

    

    
      
        
          
          

        

        
          -iii-

          
            

          

        

        
          
          

        

      

    

    

    THIS
      REVOLVING LOAN AND SECURITY AGREEMENT is made as of January 31, 2008,
      among:

     

    
      	 	
              (1)

            	
              FREEDOM
                FINANCIAL AUTO RECEIVABLES, LLC, a Delaware limited liability company,
                as
                the borrower (the “Borrower”);

            

    

     

    
      	 	
              (2)

            	
              FREEDOM
                FINANCIAL GROUP, INC., a Delaware corporation, individually (“Freedom
                Financial”),
                and as the originator (in such capacity, the “Originator”)
                and initial servicer (in such capacity, the “Servicer”);
                

            

    

     

    
      	 	
              (3)

            	
              ARCHON
                GROUP, L.P., a Delaware limited partnership], as the administrator
                (in
                such capacity, the “Administrator”)
                and as the custodian (in such capacity, the “Custodian”);
                and

            

    

     

    
      	 	
              (5)

            	
              REMARK
                LENDING CO., a division of ReMark Capital Group, LLC, a Delaware
                limited
                liability company, individually (“ReMark”)
                and as the initial lender (in such capacity, the “Lender”).

            

    

     

    IT
      IS
      AGREED, in consideration of the premises and the mutual covenants herein
      contained, as follows:

    

      ARTICLE
        I.

      DEFINITIONS

       

      SECTION
        1.01 Certain
        Defined Terms.
        Certain
        capitalized terms used throughout this Agreement are defined above or in
        the
        attached Schedule
        I.

       

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

       

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

       

      ARTICLE
        II.

      THE
        RECEIVABLES FACILITY

       

      SECTION
        2.01 Borrowings.
        On the
        terms and conditions hereinafter set forth, the Lender shall make advances
        (each, an “Advance”)
        to the
        Borrower secured by Pledged Assets from time to time during the period from
        the
        date hereof until the Termination Date; provided
        that no
        Funding Termination Event shall have occurred and be continuing at such time.
        Under no circumstances shall the Lender make any Advance if, after giving
        effect
        to the Borrowing of such Advance, either (i) a Funding Termination Event or
        an event that but for notice or lapse of time or both would constitute a Funding
        Termination Event has occurred and is continuing, or (ii) the aggregate
        Outstanding Advances hereunder would exceed the lesser of (x) the Maximum
        Facility Amount and (y) the Borrowing Base. 

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      SECTION
        2.02 The
        Initial Borrowing and Subsequent Borrowings.

       

      (a) Until
        the
        occurrence of the Termination Date and provided that no Funding Termination
        Event shall have occurred and be continuing at such time, the Lender will
        make
        Advances on any Business Day (but not more than once in any calendar week)
        at
        the request of the Borrower, subject to and in accordance with the terms
        and
        conditions of Sections 2.01
        and
2.02
        and
        subject to the provisions of Article III
        hereof.
        After the Final Payment Date has occurred, the Lender and the Administrator,
        in
        accordance with their respective interests, shall re-assign and transfer
        to the
        Borrower, for no consideration but at the sole expense of the Borrower, their
        respective remaining interests in the Pledged Assets, free and clear of any
        Adverse Claim resulting solely from an act by the Lender or the Administrator,
        but without any other representation or warranty, express or implied, by
        or
        recourse against the Lender or the Administrator.

       

      (b) The
        initial Borrowing and each Subsequent Borrowing shall be made upon irrevocable
        written notice from the Borrower to the Administrator in substantially the
        form
        attached hereto as Exhibit
        A-1
        (any
        such written notice, a “Notice
        of Borrowing”),
        provided that such Notice of Borrowing is received by the Administrator no
        later
        than 12:00 noon (Springfield, Missouri time) two Business Days prior to the
        Business Day of the requested Borrowing. Each such Notice of Borrowing shall
        specify (i) the aggregate amount of such Borrowing, which shall be an
        amount equal to or greater than $200,000, (ii) the date of such Borrowing
        and (iii) in an Interim Receivables Schedule, the Eligible Receivables to
        be Pledged in connection with such Borrowing, including all the required
        data
        elements thereof (and upon such Borrowing, such Receivables shall be Pledged
        Receivables hereunder). Each Notice of Borrowing delivered to the Administrator
        pursuant to this Section 2.02(b)
        shall be
        accompanied by a complete and accurate Borrowing Base Certificate. On each
        Borrowing Date, the Lender shall, upon satisfaction of the applicable conditions
        set forth in Article III,
        make
        available to the Borrower on the applicable Borrowing Date no later than
        5:00
        P.M. (Springfield, Missouri time) in same day funds, the amount of such
        Borrowing (net of amounts payable to or for the benefit of the Lender in
        respect
        of any Facility Fees then due and owing) by payment into the Borrower Funding
        Account, or such other account as the Borrower shall have designated in writing
        to the Administrator. 

       

      (c) Subject
        to Section 7.01
        hereof,
        the Advances shall bear interest at the Note Rate.

       

      (d) Subject
        to the terms, conditions and limitations set forth herein, the Borrower may
        borrow, repay, prepay pursuant to Section 2.13 and re-borrow Advances, on
        and
        after the date upon which the conditions precedent set forth in Article
        III
        have
        been satisfied or waived in writing by the Lender and prior to the Termination
        Date; provided that no Funding Termination Event has occurred and is continuing
        at such time, subject to the terms, provisions and limitations set forth
        herein.

       

      (e) All
        payments of principal, interest, fees and other amounts payable under this
        Agreement or any other Transaction Document may be paid from the proceeds
        of
        Advances, whether made pursuant to a Notice of Borrowing from the Borrower
        pursuant to Section 2.02(b) or a deemed request as provided in this Section
        2.02(e). Borrower hereby irrevocably authorizes Administrator to make Advances
        for the purpose of paying principal, interest, fees and other amounts payable
        under the Transaction Documents, including reimbursing costs or expenses
        for
        which the Borrower is obligated under the Transaction Documents, whether
        or not
        any condition precedent specified in Article III has been satisfied, and
        agrees
        that all Advances so made shall be deemed to have been requested by the Borrower
        pursuant to this Agreement and shall be included within the Obligations and
        entitled to the benefit of the security interests in the Pledged Assets granted
        hereunder.

       

      
        
          
          

        

        
          -2-

          
            

          

        

        
          
          

        

      

       

      SECTION
        2.03 Facility
        Maturity Date.
        Any
        Outstanding Advances on the Facility Maturity Date shall mature on such date.
        On
        the Facility Maturity Date, notwithstanding any other provision hereof, the
        outstanding principal of all Outstanding Advances, if any, together with
        all
        interest and Facility Fees accrued thereon and all other Obligations shall
        be
        immediately due and payable (and the Borrower shall pay all such amounts
        immediately).

       

      SECTION
        2.04 Remittance
        Procedures.
        

       

      (a) Distribution
        of Available Funds.
        The
        Servicer shall cause all Collections to be deposited into the Collection
        Account
        pursuant to Section
        6.02(a)
        hereof.
        On each Settlement Date, the Administrator shall distribute the Available
        Funds
        on deposit in the Collection Account on such Settlement Date in the following
        order of priority:

       

      (i) on
        a
pro
        rata
        basis in
        accordance with the respective amounts then due and owing, (x) to the
        Administrator, an amount equal to the Administrator Fees that are accrued
        and
        unpaid as of the last day of the preceding Remittance Period and any other
        amounts then due and owing to the Administrator pursuant to the Transaction
        Documents; and (y) to the Custodian, an amount equal to the Custodial Fees
        that are accrued and unpaid as of the last day of the preceding Remittance
        Period and any other amounts then due and owing to the Custodian pursuant
        to the
        Transaction Documents; 

       

      (ii) to
        any
        Successor Servicer appointed by the Administrator after the occurrence of
        an
        Event of Default, an amount equal to the Successor Servicing Fees that are
        accrued and unpaid as of the last day of the preceding Remittance Period
        and any
        other amounts then due and owing to such Successor Servicer pursuant to the
        Transaction Documents;

       

      (iii) to
        the
        Lender, any other amounts then due and owing to the Lender under the Transaction
        Documents, other than those amounts to be paid pursuant to clauses (iv) through
        (vii) below;

       

      (iv) to
        the
        Lender, the Interest Distribution Amount;

       

      (v) to
        the
        Lender, any Unused Facility Fees then due and payable;

       

      (vi) to
        the
        Lender, any Make-Whole Fees then due and payable;

       

      (vii) to
        the
        Lender, the Principal Distribution Amount; and

       

      
        
          
          

        

        
          -3-

          
            

          

        

        
          
          

        

      

       

      (viii) to
        the
        Borrower, all remaining Available Funds or, if requested by the Borrower,
        to the
        Lender, the Supplemental Principal Distribution Amount.

       

      (b) Borrower
        Deficiency Payments.
        Notwithstanding anything to the contrary contained in this Section 2.04
        or in
        any other provision in this Agreement, if, on any day prior to the Final
        Payment
        Date, the aggregate principal amount of Outstanding Advances shall exceed
        the
        lesser of (i) the Maximum Facility Amount and (ii) the Borrowing Base,
        then the Borrower shall, prior to any Borrowing and in any event no later
        than
        5:00 p.m. (Springfield, Missouri time) on the second succeeding Business
        Day,
        either (A) remit to the Administrator a payment (to be applied by the
        Administrator to repay Advances selected by the Administrator, in its sole
        discretion) in such amount as may be necessary to reduce Outstanding Advances
        to
        an amount less than or equal to the lesser of (x) the Maximum Facility
        Amount and (y) the Borrowing Base, or (B) so long as the Borrowing Base
        does not exceed the Maximum Facility Amount, pledge additional Eligible
        Receivables to the Administrator for the benefit of the Lender with an aggregate
        Outstanding Principal Balance sufficient to increase the Borrowing Base to
        an
        amount that is equal to or greater than the Outstanding Advances.

       

      SECTION
        2.05 Payments
        and Computations, Etc.

       

      (a) All
        amounts to be paid or deposited by the Borrower or the Servicer hereunder
        shall
        be paid or deposited in accordance with the terms hereof no later than
        2:00 P.M. (Springfield, Missouri time) on the day when due in lawful money
        of the United States in immediately available funds to the Collection Account
        or
        such other account as designated by the Administrator. To the extent permitted
        by law, the Borrower shall pay to the Administrator interest on all amounts
        not
        paid or deposited when due hereunder (whether owing by the Borrower or the
        Servicer) at the Default Funding Rate, payable on demand; provided,
        however,
        that
        such interest rate shall not at any time exceed the Highest Lawful Rate.
        The
        Administrator shall deposit such interest into the Collection Account for
        distribution in accordance with the priorities specified in Section
        2.04(a)
        hereof.
        No Obligation hereunder shall be reduced by any distribution of any portion
        of
        Collections if at any time such distribution is rescinded or returned by
        the
        Administrator or the Lender to the Borrower or any other Person for any reason.
        All computations of interest and all computations of interest hereunder shall
        be
        made on the basis of a year of 360 days for the actual number of days
        (including the first but excluding the last day) elapsed.

       

      (b) Whenever
        any payment hereunder shall be stated to be due on a day other than a Business
        Day, such payment shall be made on the next succeeding Business Day, and
        such
        extension of time shall in such case be included in the computation of payment
        of interest hereunder.

       

      (c) If
        any
        Borrowing requested by the Borrower and approved by the Lender and the
        Administrator pursuant to Section 2.02
        is not
        for any reason whatsoever, except as a result of the gross negligence or
        willful
        misconduct of the Lender and/or the Administrator, made on the date specified
        therefor, the Borrower shall indemnify the Lender against any loss, cost
        or
        expense incurred by the Lender, including, without limitation, any loss
        (including cost of funds and out-of-pocket expenses), cost or expense incurred
        by reason of the liquidation or reemployment of deposits or other funds acquired
        by the Lender to fund Advances or maintain Advances during such Interest
        Accrual
        Period.

       

      
        
          
          

        

        
          -4-

          
            

          

        

        
          
          

        

      

       

      SECTION
        2.06 Increased
        Costs; Capital Adequacy.

       

      (a) If,
        after
        the date hereof, due to either (i) the introduction of or any change
        (including, without limitation, any change by way of imposition or increase
        of
        reserve requirements) in or in the interpretation of any law or regulation
        or
        (ii) the compliance with any guideline or request from any central bank or
        other governmental authority (whether or not having the force of law), there
        shall be any increase in the cost to the Administrator, the Lender, or any
        Affiliate, successor or assign thereof (each of which shall be an “Affected
        Party”)
        of
        agreeing to make or making, funding or maintaining any Advance, as the case
        may
        be, the Borrower shall, from time to time, upon written demand by such Affected
        Party (with a copy to the Administrator), immediately pay to such Affected
        Party
        (as a third party beneficiary, in the case of an Affected Party that is not
        also
        the Lender hereunder), additional amounts sufficient to compensate such Affected
        Party for such increased costs.

       

      (b) If
        after
        the date hereof either (i) the introduction of or any change in or in the
        interpretation of any law, guideline, rule or regulation, directive or request
        from any central bank or other governmental authority or agency (whether
        or not
        having the force of law) or (ii) the compliance by any Affected Party with
        any law, guideline, rule, regulation, directive or request from any central
        bank
        or other governmental authority or agency (whether or not having the force
        of
        law), including, without limitation, compliance by an Affected Party with
        any
        request or directive regarding capital adequacy, has or would have the effect
        of
        reducing the rate of return on the capital of any Affected Party as a
        consequence of its obligations hereunder or arising in connection herewith
        to a
        level below that which such Affected Party could have achieved but for such
        introduction, change or compliance (taking into consideration the policies
        of
        such Affected Party with respect to capital adequacy) by an amount deemed
        by
        such Affected Party to be material, then from time to time, within ten days
        after demand by such Affected Party (which demand shall be accompanied by
        a
        statement setting forth the basis of such demand), such Affected Party shall
        be
        paid (from Collections pursuant to, and subject to the priority of payment
        set
        forth in, Section 2.04)
        such
        additional amounts as will compensate such Affected Party for such
        reduction.

       

      (c) In
        determining any amount provided for in this Section 2.06,
        the
        Affected Party may use any reasonable averaging and attribution methods.
        Any
        Affected Party making a claim under this Section 2.06
        shall
        submit to the Borrower a certificate setting forth in reasonable detail the
        computations of such additional or increased costs, which certificate shall
        be
        conclusive absent demonstrable error.

       

      SECTION
        2.07 Collateral
        Assignment of Agreements.
        The
        Borrower hereby collaterally assigns to the Administrator, for the benefit
        of
        the Lender, all of the Borrower’s right and title to and interest in
        (i) the PCA, (ii) each Contract related to any Pledged Receivable,
        (iii) each Dealer Assignment related to any Pledged Receivable, (iv) each
        Dealer Agreement, to the extent such right, title and interest relate to
        Pledged
        Receivables, (v) the Lockbox Account Control Agreement, (vi) all other
        agreements, documents and instruments evidencing, securing or guarantying
        any
        Pledged Receivable, including without limitation, the Receivable Files and
        any
        other Records specifically relating to any Pledged Receivables, and
        (vii) all other agreements, documents and instruments related to any of the
        foregoing (collectively, the “Assigned
        Documents”).
        The
        Borrower confirms and agrees that the Administrator (or any designee thereof)
        shall have, following an Event of Default or a Funding Termination Event,
        the
        sole right to enforce the Borrower’s rights and remedies under each Assigned
        Document, but without any obligation on the part of the Administrator, the
        Lender or any of their respective Affiliates to perform any of the obligations
        of the Borrower under any such Assigned Document. In addition, each of the
        Servicer and the Borrower confirms and agrees that the Servicer or the Borrower
        will send to the Administrator a notice of (i) any breach of any
        representation, warranty or covenant under any such Assigned Document which
        could reasonably be expected to have a Material Adverse Effect or (ii) any
        event or occurrence that, upon notice to the Servicer or the Borrower, as
        applicable, or upon the passage of time or both, would constitute such a
        breach.

       

      
        
          
          

        

        
          -5-

          
            

          

        

        
          
          

        

      

       

      SECTION
        2.08 Grant
        of a Security Interest.
        To
        secure the prompt and complete payment when due of the Obligations and the
        performance by the Borrower of all of the covenants and obligations to be
        performed by it pursuant to the Transaction Documents, the Borrower hereby
        collaterally assigns and pledges to the Administrator, and grants to the
        Administrator, for the benefit of the Lender, a security interest in all
        assets
        of the Borrower, including, without limitation, all of the Borrower’s right,
        title and interest in, to and under all of the following property and interests
        in property (collectively, the “Pledged
        Assets”),
        whether tangible or intangible and whether now owned or existing or hereafter
        arising or acquired and wheresoever located:

       

      (a) all
        Receivables purchased by or contributed to (or purportedly purchased by or
        contributed to) the Borrower under the PCA (the “Pledged
        Receivables”),
        all
        Other Conveyed Property related to the Pledged Receivables purchased by or
        contributed to (or purportedly purchased by or contributed to) the Borrower
        under the PCA, together with all other Related Security related to the Pledged
        Receivables, including, without limitation, the security interest of the
        Borrower in all related Financed Vehicles, all Collections and other monies
        due
        and to become due to the Borrower in respect of any Pledged Receivable and
        any
        security therefor received on or after the date such Pledged Receivables
        were
        purchased by or contributed to (or purportedly purchased by or contributed
        to)
        the Borrower under the PCA;

       

      (b) the
        Assigned Documents, including in each case, without limitation, all rights
        and
        benefits of Borrower thereunder and all monies due and to become due to the
        Borrower under or in connection therewith;

       

      (c) all
        bank
        and similar accounts relating to the collection of Pledged Receivables (whether
        now existing or hereafter established), including without limitation, the
        Lockbox Account and the Collection Account, and all funds held therein or
        in
        such other accounts, and all investments in and all income from the investment
        of such funds in such accounts;

       

      (d) all
        UCC
        financing statements filed by the Borrower against Freedom Financial under
        or in
        connection with the PCA;

       

      (e) all
        Liquidation Proceeds relating to any Pledged Receivables;

       

      
        
          
          

        

        
          -6-

          
            

          

        

        
          
          

        

      

       

      (f) all
        accounts, chattel paper, general intangibles and instruments (as those terms
        are
        defined in the UCC); and 

       

      (g) all
        proceeds of the foregoing property described in clauses (a) through (g)
        above, including interest, dividends, cash, instruments and other property
        from
        time to time received, receivable or otherwise distributed in respect of
        or in
        exchange for or on account of the sale or other disposition of any or all
        of the
        then existing Pledged Receivables.

       

      SECTION
        2.09 Evidence
        of Debt.
        The
        Administrator shall maintain an account or accounts evidencing the Debt of
        the
        Borrower to the Lender resulting from each Advance owing to the Lender from
        time
        to time, including the amounts of principal and interest payable and paid
        to the
        Lender from time to time hereunder. The entries made in such account(s) of
        the
        Lender shall be conclusive and binding for all purposes, absent manifest
        error.

       

      SECTION
        2.10 Representations
        and Warranties; Repayment Obligations.
        It is
        understood and agreed that the representations and warranties set forth in
        Section 4.01
        are made
        and accurate on the date of this Agreement, at the time of the initial
        Borrowing, and on each Subsequent Borrowing Date and Settlement Date thereafter.
        If, as a result of the breach of any of the representations and warranties
        in
Section 4.01
        or for
        any other reason there exists or would exist a Borrowing Base Deficiency,
        the
        Borrower shall promptly (and, in any case, within two Business Days) prepay
        to
        the Administrator, for the account of the Lender, an amount necessary to
        cure
        such Borrowing Base Deficiency in accordance with Section
        2.04(b).
        The
        Borrower shall promptly reimburse the Administrator and the Lender for any
        reasonable out-of-pocket expenses incurred by the Administrator and the Lender,
        respectively, in respect of any such prepayment.

       

      SECTION
        2.11 Release
        of Pledged Receivables.
          In connection with the consummation of any Third Party Sale or any
        repurchase by Freedom Financial of Pledged Receivables pursuant to the PCA,
        the
        Borrower may obtain the release of any Pledged Receivable subject to any
        such
        transaction at any time after the date hereof by (i) providing the Administrator
        with written notice, no later than the second Business Day preceding the
        proposed release, specifying (x) the Pledged Receivables to be released,
        (y) the
        reason for such release, and (z) the Release Price to be paid pursuant to
        such
        release, and (ii) depositing into the Collection Account the Release Price
        therefor; provided,
        that
        the foregoing release shall only be available if no Default or Event of Default
        has occurred and is continuing and, after giving effect thereto and the
        application of the proceeds thereof in accordance with the terms hereof,
        no
        Borrowing Base Deficiency shall exist; provided,
        further,
        that
        any such release shall only occur upon the Administrator’s receipt of the
        related Release Price and written confirmation of such release, which
        confirmation shall not be unreasonably withheld. Any Third Party Sale to
        a
        Person other than ReMark or an Affiliate thereof shall require the prior
        written
        consent of the Lender. In connection with any Third Party Sale of Pledged
        Receivables permitted under this Agreement, the Borrower will dividend or
        otherwise convey to Freedom Financial the Pledged Receivables and Other Conveyed
        Property to be sold pursuant to such Third Party Sale without recourse,
        representation or warranty of any kind, and Freedom Financial will be the
        seller
        of such Pledged Receivables and Other Conveyed Property to the applicable
        third
        party purchaser. Under no circumstances shall Freedom Financial permit any
        third
        party purchaser to have recourse to the Borrower in connection with any Third
        Party Sale.

       

      
        
          
          

        

        
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      SECTION
        2.12 Make-Whole
        Fee.
        If, as
        of the end of any Interest Accrual Period, the Utilization Percentage is
        less
        than the Minimum Utilization Percentage, the Lender shall be entitled to
        receive
        a fee (the “Make-Whole
        Fee”)
        equal
        to the product of (x) the average of the daily positive difference, if any,
        during such Interest Accrual Period of (1) the Minimum Facility Utilization
        Amount over (2) the Facility Amount and (y) the Weighted Average Note
        Rate.

       

      SECTION
        2.13 Prepayment.
        Upon at
        least five (5) Business Days’ written notice to the Administrator, the
        Borrower may prepay the Facility Amount in whole or in part. If the Facility
        Amount is prepaid in whole, the Borrower shall deposit or cause to be deposited
        the following amounts into the Collection Account: (1) the aggregate principal
        amount of the Outstanding Advances, (2) all interest accrued on such Outstanding
        Advances to the date of prepayment, (3) all accrued and unpaid Facility Fees,
        (4) a prepayment fee equal to 1.00% of the Maximum Facility Amount (the
“Prepayment
        Fee”),
        and
        (5) all payments due with respect to all other Obligations, including all
        amounts payable to the Administrator, the Custodian, the Lender and the Affected
        Parties. If the Borrower elects to prepay a portion of the Facility Amount
        in
        connection with a Third Party Sale without offering to ReMark and its Affiliates
        a right of last look pursuant to Section
        9.16,
        the
        Borrower shall pay to ReMark a prepayment fee in accordance with Section
        9.16.
        All
        amounts paid by the Borrower in respect of whole prepayments shall be
        distributed by the Administrator to the parties entitled thereto on the date
        of
        prepayment in accordance with the priority of payments set forth in Section
        2.04(a).
        All
        amounts paid by the Borrower in respect of the Release Price of any Pledged
        Receivable shall be distributed by the Administrator to the parties entitled
        thereto on the date of receipt in accordance with the priority of payments
        set
        forth in Section
        2.04(a).
        Upon
        the Borrower’s prepayment in full of the Outstanding Advances pursuant to this
Section
        2.13,
        this
        Agreement (including, without limitation, the Lender’s obligation to make
        Advances hereunder) shall be terminated; provided,
        that
        nothing contained in this Section
        2.13
        shall,
        or shall be deemed to, cancel, impair, disturb or otherwise limit the
        obligations and liabilities of the Borrower or the Servicer (x) under any
        indemnity provisions or any other provisions of this Agreement or any other
        Transaction Document which by their terms survive the termination of this
        Agreement and/or any other Transaction Document or the satisfaction of the
        Obligations or (y) under any provisions of this Agreement and/or any other
        Transaction Document which are necessary for the enforcement by the Lender
        of
        any such surviving obligations and liabilities and (z) for the full amount
        of any payments which have been applied to the Obligations and which are
        required to be returned for any reason. Amounts paid by the Borrower pursuant
        to
        this Section 2.13
        on
        account of Pledged Receivables shall be treated as Collections
        hereunder.

       

      SECTION
        2.14 Notes.
        Any
        Lender may, by written notice to the Borrower (with a copy to the
        Administrator), request that Advances made by it be evidenced by a Note.
        In such
        event, such Lender, at Borrower’s expense, shall prepare, and Borrower shall
        execute and deliver to such Lender a Note payable to the order of such Lender
        reflecting a principal amount equal to the Commitment Percentage of such
        Lender
        multiplied by the Maximum Facility Amount. Thereafter, the Advances evidenced
        by
        such Note and interest thereon shall at all times (including after assignment
        pursuant to Section
        9.04)
        be
        represented by one or more Notes payable to the order of the payee named
        therein. 

       

      
        
          
          

        

        
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      SECTION
        2.15 Taxes.

       

      (a) All
        sums
        payable by Borrower or Freedom Financial hereunder and under the other
        Transaction Documents shall (except to the extent required by law) be paid
        free
        and clear of, and without any deduction or withholding on account of, any
        Tax
        (other than a Tax on the overall net income of Lender) imposed, levied,
        collected, withheld or assessed by or within the United States of America
        or any
        political subdivision in or of the United States of America or any other
        jurisdiction from or to which a payment is made by or on behalf of Borrower
        or
        Freedom Financial or by any federation or organization of which the United
        States of America or any such jurisdiction is a member at the time of
        payment.

       

      (b) If
        Borrower, Freedom Financial or any other Person is required by law to make
        any
        deduction or withholding on account of any such Tax from any sum paid or
        payable
        by Borrower or Freedom Financial to Administrator or Lender under any of
        the
        Transaction Documents: (i) Freedom Financial shall notify Administrator of
        any
        such requirement or any change in any such requirement as soon as Freedom
        Financial becomes aware of it; (ii) Borrower or Freedom Financial, as
        applicable, shall pay any such Tax before the date on which penalties attach
        thereto, such payment to be made (if the liability to pay is imposed on Borrower
        or Freedom Financial) for its own account or (if that liability is imposed
        on
        Administrator or Lender, as the case may be) on behalf of and in the name
        of
        Administrator and Lender; (iii) the sum payable by Borrower or Freedom Financial
        in respect of which the relevant deduction, withholding or payment is required
        shall be increased to the extent necessary to ensure that, after the making
        of
        that deduction, withholding or payment, Administrator or Lender, as the case
        may
        be, receives on the due date a net sum equal to what it would have received
        had
        no such deduction, withholding or payment been required or made; and (iv)
        within
        thirty days after paying any sum from which it is required by law to make
        any
        deduction or withholding, and within thirty days after the due date of payment
        of any Tax which it is required by clause (ii) above to pay, Freedom Financial
        shall deliver to Administrator evidence satisfactory to the other affected
        parties of such deduction, withholding or payment and of the remittance thereof
        to the relevant taxing or other authority; provided, no such additional amount
        shall be required to be paid to Administrator or Lender under clause (iii)
        above
        except to the extent that any change after the date hereof in any such
        requirement for a deduction, withholding or payment as is mentioned therein
        shall result in an increase in the rate of such deduction, withholding or
        payment from that in effect at the date hereof in respect of payments to
        Administrator or Lender.

       

      ARTICLE
        III.

      CONDITIONS
        OF LOANS

       

      SECTION
        3.01 Conditions
        Precedent to Initial Borrowing.
        The
        initial Borrowing hereunder is subject to the conditions precedent
        that:

       

      (a) all
        acts
        and conditions (including, without limitation, the obtaining of any necessary
        regulatory approvals and the making of any required filings, recordings or
        registrations) required to be done and performed and to have happened prior
        to
        the execution, delivery and performance of this Agreement and all related
        documents and to constitute the same legal, valid and binding obligations,
        enforceable in accordance with their respective terms, shall have been done
        and
        performed and shall have happened in due and strict compliance with all
        applicable laws; 

       

      
        
          
          

        

        
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      (b) each
        of
        the Administrator and the Lender (or their respective agents and/or third
        party
        professional advisors) shall have completed, to its sole satisfaction, its
        legal, financial and business due diligence review of the Borrower, Freedom
        Financial and any other parties to the Transaction Documents, including,
        but not
        limited to (i) a review of the Servicing Policies and Procedures, the Servicer’s
        information systems and reporting capabilities and underlying Contract
        documentation, (ii) comprehensive background checks on the Servicer’s senior
        management, key employees and principals, (iii) a review of the financial
        statements of Freedom Financial, (iv) a review of the Organizational Documents
        of the Borrower and Freedom Financial;

       

      (c) other
        than changes occurring in the ordinary course of business, no information
        or
        materials are or should have been available to Borrower, Freedom Financial
        or
        any other party to the Transaction Documents as of the Closing Date that
        are
        materially inconsistent with the material previously provided to the
        Administrator and/or the Lender (or their respective agents and/or third
        party
        professional advisors) for its due diligence review of the Borrower, Freedom
        Financial and any such other party;

       

      (d) the
        Administrator shall have received on or before the date of such Borrowing
        the
        following items, each in form and substance satisfactory to the Administrator
        and the Lender, in their reasonable discretion:

       

      (i) a
        copy of
        this Agreement duly executed by each of the parties hereto;

       

      (ii) a
        certificate of the Manager of the Borrower dated the date of this Agreement,
        certifying (i) the names and true signatures of the incumbent officers of
        the Borrower authorized to sign this Agreement and the other documents to
        be
        delivered by it hereunder (on which certificate the Administrator and the
        Lender
        may conclusively rely until such time as the Administrator shall receive
        from
        the Borrower a revised certificate meeting the requirements of this
        paragraph (b)), (ii) that the copies of the Organizational Documents
        of the Borrower attached thereto are complete and correct copies thereof
        and
        that such Organizational Documents have not been amended, modified or
        supplemented and are in full force and effect, (iii) that the copies of the
        Operating Documents of the Borrower attached thereto are complete and correct
        copies and that such Operating Documents have not been amended, modified
        or
        supplemented and are in full force and effect, and (iv) the resolutions of
        the Borrower’s manager approving and authorizing the execution, delivery and
        performance by the Borrower of this Agreement and the documents related
        thereto;

      
         

        
          
            
            

          

          
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      (iii) a
        certificate of the Secretary or Assistant Secretary of Freedom Financial
        dated
        the date of this Agreement, certifying (i) the names and true signatures of
        the incumbent officers of Freedom Financial authorized to sign this Agreement
        and the other documents to be delivered by it hereunder (on which certificate
        the Administrator and the Lender may conclusively rely until such time as
        the
        Administrator shall receive from Freedom Financial a revised certificate
        meeting
        the requirements of this paragraph (b)), (ii) that the copies of the
        Organization Documents of Freedom Financial attached thereto are complete
        and
        correct copies thereof and that such Organizational Documents have not been
        amended, modified or supplemented and are in full force and effect,
        (iii) that the copies of the Operating Documents of Freedom Financial
        attached thereto are complete and correct copies and that such Operating
        Documents have not been amended, modified or supplemented and are in full
        force
        and effect, and (iv) the resolutions of Freedom Financial’s board of
        directors approving and authorizing the execution, delivery and performance
        by
        Freedom Financial of this Agreement and the documents related
        thereto;

       

      (iv) good
        standing certificates dated as of a recent date for each of the Borrower
        and the
        Servicer issued by the Secretary of State of the State of Delaware and each
        other State in which the Borrower and/or the Servicer is required to be a
        qualified business entity to transact its business as proposed to be
        conducted;

       

      (v) copies
        to
        be filed on or before the initial Borrowing Date, or to the extent available
        file-stamped copies, of proper financing statements (the “Facility
        Financing Statements”)
        describing the Pledged Receivables, Related Security and other Pledged Assets
        and naming (i) Freedom Financial as debtor/seller, the Borrower as secured
        party/buyer and the Administrator as the total assignee of the Borrower and
        (ii)
        the Borrower as debtor and the Administrator, on behalf of the Lender, as
        secured party, and other, similar instruments or documents, as may be necessary
        or, in the opinion of the Administrator or the Lender, desirable under the
        UCC
        of all appropriate jurisdictions or any comparable law to perfect the Lender’s
        interests in all Pledged Receivables, Related Security and other Pledged
        Assets;

       

      (vi) executed
        lien releases, in form and substance satisfactory to the Administrator in
        its
        sole discretion, necessary to release all security interests and other rights
        of
        any Person in the Pledged Receivables, Related Security and other Pledged
        Assets
        previously granted by Freedom Financial or the Borrower, including, without
        limitation, with respect to the Heartland Debt which will be paid in full
        from
        the proceeds of the initial Borrowing hereunder;

       

      (vii) certified
        copies of requests for information or copies (or a similar UCC search report
        certified by a party acceptable to the Administrator), dated a date reasonably
        near to the date of the initial Borrowing, listing all effective financing
        statements that name Freedom Financial or the Borrower (under its present
        name
        and any previous name) as debtor and which are filed in the jurisdictions
        in
        which the Facility Financing Statements were filed, together with copies
        of such
        financing statements (none of which, other than the Facility Financing
        Statements, shall cover any Pledged Assets);

       

      
        
          
          

        

        
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      (viii) one
        or
        more favorable Opinions of Counsel of Shughart, Thomson & Kilroy, counsel to
        the Borrower and the Servicer, with respect to, among other things, the due
        authorization, execution and delivery by the Borrower and Servicer of, and
        enforceability of, this Agreement and the other Transaction Documents, the
        creation and perfection of the security interests in favor of Administrator
        (for
        the benefit of the Lender) in the Pledged Assets and such other matters as
        the
        Administrator may reasonably request;

       

      (ix) any
        necessary third party consents to the closing of the transactions contemplated
        hereby;

       

      (x) a
        payoff
        letter, in form and substance satisfactory to the Lender in its sole discretion,
        with respect to the Heartland Debt;

       

      (xi) a
        copy of
        the PCA duly executed by Freedom Financial and the Borrower;

       

      (xii) a
        copy of
        each form of Dealer Agreement pursuant to which any Receivables to be Pledged
        hereunder were or are to be sold by the related Dealer to Freedom Financial,
        as
        executed by such Dealer and Freedom Financial;

       

      (xiii) the
        Pledge Agreement, duly executed by the parties thereto; 

       

      (xiv) the
        Guaranty, duly executed by the Freedom Financial;

       

      (xv) a
        Note
        evidencing Debt up to the Maximum Principal Amount in favor of ReMark, as
        Lender, duly executed by the Borrower;

       

      (xvi) the
        Lockbox Account Agreement, duly executed by the Servicer, the Borrower, the
        Lender and the Lockbox Bank; and

       

      (xvii) a
        data
        tape, data mappings and other items deemed necessary by the Lender or the
        Administrator to ensure the smooth transition of servicing in the event of
        the
        occurrence of a Servicer Default.

       

      (e) on
        or
        prior to the Closing Date, Borrower shall have delivered or caused to be
        delivered to the Administrator Borrower’s reasonable best estimate of the fees,
        costs and expenses payable by Borrower, Freedom Financial and any other party
        to
        the Transaction Documents on or before the Closing Date in connection with
        the
        transactions contemplated by the Transaction Documents (including, without
        limitation, the Structuring Fee); and

       

      (f) the
        Administrator shall have received appropriate evidence that each of Borrower
        and
        Freedom Financial has appointed an agent in New York City for the purpose
        of
        service of process in New York City and such agent shall agree in writing
        to
        give Administrator notice of any resignation of such service agent or other
        termination of the agency relationship.

       

      (g) notwithstanding
        anything herein to the contrary, each of the Lender and the Administrator
        may,
        in their sole discretion, waive certain of the eligibility criteria specified
        in
        Schedule V and/or certain of the criteria specified in the definition of
        “Overconcentration Amount” with respect to the Receivables to be funded in
        connection with the initial Borrowing.

       

      
        
          
          

        

        
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      SECTION
        3.02 Conditions
        Precedent to All Borrowings.
        Each
        Borrowing (including, except as expressly set forth below, the initial
        Borrowing) by the Borrower from the Lender shall be subject to the conditions
        precedent that:

       

      (a) with
        respect to such Borrowing (other than the initial Borrowing), on or prior
        to the
        date of such Borrowing, the Servicer shall have delivered to the Administrator
        (i) the most recent Monthly Remittance Report and Compliance Certificate
        required by the terms of Section 6.08(a)
        and
        (ii) the most recent Borrowing Base Certificate required by the terms of
Section 6.08(b);

       

      (b) by
        no
        later than 12:00 noon (Springfield, Missouri time) two (2) Business Days
        prior to the requested Borrowing Date, the Administrator shall have received
        (A) the Notice of Borrowing (together with the attached Interim Receivables
        Schedule) delivered to the Administrator pursuant to Section 2.02,
        appropriately completed and executed by the Borrower, and (B) a Borrowing
        Base Certificate for such Borrowing, together with, if the calculation of
        the
        Borrowing Base set forth in such Daily Borrowing Base Certificate includes
        any
        amount of Collections on deposit in the Collection Account, a statement of
        funds
        in the Collection Account on the date of such Borrowing;

       

      (c) by
        no
        later than four (4) Business Days prior to the requested Borrowing Date,
        the
        Custodian shall have received the Receivable File for each Eligible Receivable
        to be funded on the related Borrowing Date and shall have delivered a Collateral
        Receipt to the Administrator pursuant to Section
        6.15
        confirming, among other things, that the Receivable Files received on such
        Borrowing Date conform with the Interim Receivables Schedule delivered to
        the
        Custodian and the Administrator;

       

      (d) the
        Borrower shall have delivered to the Administrator the Assignment delivered
        to
        it on such Borrowing Date pursuant to the PCA;

       

      (e) the
        representations and warranties of Freedom Financial, the Servicer and the
        Borrower contained in Section 4.01
        shall be
        true and correct in all material respects, before and after giving effect
        to the
        Borrowing to take place on such Borrowing Date and to the application of
        proceeds therefrom, on and as of such day as though made on and as of such
        date;

       

      (f) no
        Funding Termination Event, Event of Default or Default shall have occurred
        or be
        continuing;

       

      (g) on
        and as
        of such Borrowing Date, after giving effect to such Borrowing, the aggregate
        principal amount of the Outstanding Advances shall not exceed the lesser
        of
        (x) the Maximum Facility Amount and (y) the Borrowing
        Base;

       

      (h) on
        and as
        of such Borrowing Date, after giving effect to such Borrowing, Freedom Financial
        shall be in compliance with the financial covenants set forth in subclauses
        (ii), (iii) and (iv) of Section
        5.08(b);

       

      
        
          
          

        

        
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      (i) all
        terms
        and conditions of the PCA required to be satisfied in connection with the
        transfer and sale of each Receivable being Pledged hereunder (and the Other
        Conveyed Property related thereto), including, without limitation, the
        perfection of the Borrower’s interests therein, shall have been satisfied in
        full, and all filings (including, without limitation, UCC filings) required
        to
        be made by any Person and all actions required to be taken or performed by
        any
        Person in any jurisdiction to give the Administrator, for the benefit of
        the
        Lender, a first priority perfected security interest in such Receivables
        and the
        Other Conveyed Property (other than with respect to any interest in Financed
        Vehicles included in such Other Conveyed Property, the re-issuance of the
        related Lien Certificates to show the Borrower or the Administrator as secured
        party) related thereto and the proceeds thereof shall have been made, taken
        or
        performed;

       

      (j) each
        condition precedent specified in this Section
        3.02
        (and, on
        the initial Borrowing Date, Section
        3.01)
        to such
        Borrowing shall have been satisfied prior to such Borrowing; 

       

      (k) no
        law or
        regulation shall prohibit, and no order, judgment or decree of any federal,
        state or local court or governmental body, agency or instrumentality shall
        prohibit or enjoin, the making of such Advances by the Lender in accordance
        with
        the provisions hereof;

       

      (l) the
        Administrator shall have confirmed that the Interim Receivables Schedule
        delivered to the Administrator pursuant to Section
        2.02
        is
        accurate and correct and clear of any validation error;

       

      (m) the
        Administrator shall have received all reports due pursuant to the Required
        Audits and all Officer’s Certificates and financial statements required to be
        delivered to the Administrator pursuant to Section
        6.20
        hereof;

       

      (n) Freedom
        Financial shall have taken all steps necessary under all applicable law
        (including, without limitation, obtaining valid lien releases from other
        secured
        lenders) in order to cause to exist in favor of Freedom Financial a valid,
        subsisting and enforceable first priority perfected security interest in
        the
        Financed Vehicle securing each Receivable (and the proceeds of such Financed
        Vehicle) being Pledged hereunder and immediately prior to the sale and/or
        contribution of such Receivable by Freedom Financial to the Borrower pursuant
        to
        the PCA, there shall have existed in favor of Freedom Financial as secured
        party, a valid, subsisting and enforceable first priority perfected security
        interest in the Financed Vehicle securing such Receivable and the proceeds
        thereof (except, as to priority, for any tax liens or mechanic’s liens that may
        arise after the applicable date of purchase of such Receivable under the
        PCA),
        which security interest has been assigned (x) by Freedom Financial to the
        Borrower pursuant to the PCA and (y) by the Borrower to the Administrator
        (for
        the benefit of the Lender) pursuant to this Agreement;

       

      (o) None
        of
        the Borrower, the Servicer or any of their respective Affiliates shall have
        suffered any material adverse change to its property, business, condition
        (financial or otherwise), prospects or operations or there shall have occurred
        any other event which could reasonably be expected to have a Material Adverse
        Effect on the enforceability, marketability or collectability of the Pledged
        Receivables or the Borrower’s or the Servicer’s ability to conduct its business
        or perform its obligations under this Agreement or any other Transaction
        Document, in each case as determined by the Administrator or the Lender in
        its
        sole discretion;

       

      
        
          
          

        

        
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      (p) there
        shall not exist any action, suit, investigation, litigation or proceeding
        or
        other legal or regulatory developments, pending or threatened in any court
        or
        before any arbitrator or Government Entity that, in the reasonable opinion
        of
        Administrator, singly or in the aggregate, materially impairs the transactions
        contemplated by the Transaction Documents or that could have a Material Adverse
        Effect; 

       

      (q) the
        Administrator shall have received executed lien releases, in form and substance
        satisfactory to the Administrator in its sole discretion, necessary to release
        all security interests and other rights of any Person in the Pledged
        Receivables, Related Security and other Pledged Assets previously granted
        by
        Freedom Financial or the Borrower; and

       

      (r) For
        each
        Borrowing other than the initial Borrowing, the Administrator shall have
        received on or before the date of such Borrowing, the Warrants, duly executed
        by
        Freedom Financial in favor of the Lender or its designee.

       

      ARTICLE
        IV.

      REPRESENTATIONS
        AND WARRANTIES

       

      SECTION
        4.01 Representations
        and Warranties of Freedom Financial, the Servicer and the
        Borrower.
        Each of
        Freedom Financial, the Servicer, and the Borrower, as the case may be, hereby
        continuously represents and warrants as to itself, to the Administrator and
        the
        Lender, as follows:

       

      (a) Each
        Pledged Receivable is an Eligible Receivable.

       

      (b) Each
        of
        the Servicer and the Borrower, as applicable, is an entity duly incorporated,
        formed or organized, validly existing and in good standing under the laws
        of the
        jurisdiction of its incorporation, formation or organization and has the
        power
        and all licenses necessary to own its assets and to transact the business
        in
        which it is presently engaged (which includes, in the case of the Servicer,
        servicing Receivables on behalf of third parties and itself), and is duly
        qualified and in good standing under the laws of each jurisdiction where
        its
        ownership of the Pledged Receivables requires such qualification except where
        failure to obtain such licenses or to be so qualified would not have a Material
        Adverse Effect.

       

      (c) Each
        of
        the Servicer and the Borrower has the power and authority to make, deliver
        and
        perform this Agreement and each of the Transaction Documents to which it
        is a
        party and all of the transactions contemplated hereby and thereby, and has
        taken
        all necessary action to authorize the execution, delivery and performance
        of
        this Agreement and each of the Transaction Documents to which it is a party,
        and, in the case of the Borrower, to grant to the Administrator, for the
        benefit
        of the Lender, a first priority perfected security interest in the Pledged
        Assets on the terms and conditions of this Agreement. This Agreement and
        each of
        the Transaction Documents to which the Servicer or Borrower is a party
        constitutes the legal, valid and binding obligation of the Servicer and
        Borrower, as applicable, enforceable against them in accordance with their
        respective terms except as the enforceability hereof and thereof may be limited
        by bankruptcy, insolvency, moratorium, reorganization and other similar laws
        of
        general application affecting creditors’ rights generally and by general
        principles of equity (whether such enforceability is considered in a proceeding
        in equity or at law). No consent of any other party and no consent, license,
        approval or authorization of, or registration or declaration with, any
        governmental authority, bureau or agency is required in connection with the
        execution, delivery or performance by the Borrower or the Servicer of this
        Agreement or any Transaction Document to which it is a party, or the validity
        or
        enforceability of this Agreement or any such Transaction Document or the
        Pledged
        Receivables, other than such as have been met or obtained.

       

      
        
          
          

        

        
          -15-

          
            

          

        

        
          
          

        

      

       

      (d) The
        execution, delivery and performance of this Agreement, the other Transaction
        Documents and all other agreements and instruments executed and delivered
        or to
        be executed and delivered pursuant hereto or thereto in connection with the
        pledge of the Pledged Assets will not (i) with respect to the Servicer or
        the Borrower, create any Adverse Claim on the Pledged Assets other than as
        contemplated herein or (ii) violate any provision of any existing law or
        regulation or any order or decree of any court, regulatory body or
        administrative agency or the certificate of incorporation or formation or
        by-laws of the Servicer or the Borrower or any mortgage, indenture, contract
        or
        other agreement to which the Servicer or the Borrower is a party or by which
        the
        Servicer or the Borrower or any property or assets of the Servicer or the
        Borrower may be bound if any such violation could reasonably be expected
        to
        cause a Material Adverse Effect.

       

      (e) No
        litigation or administrative proceedings of or before any courts, tribunals
        or
        governmental bodies are presently pending or, to the knowledge of the Servicer
        or the Borrower, threatened against the Servicer or the Borrower or any
        properties of the Servicer or the Borrower or with respect to this Agreement
        which, if adversely determined, could, individually or in the aggregate,
        reasonably be expected to (i) result in one or more judgments for payment
        of
        money in excess of (x) with respect to the Servicer, $50,000, or (y) with
        respect to the Borrower, $5,000, or (ii) otherwise have a Material Adverse
        Effect.

       

      (f) Neither
        Freedom Financial nor Borrower is in default in the performance, observance
        or
        fulfillment of any of the obligations, covenants or conditions contained
        in any
        of its contractual obligations, and no condition exists which, with the giving
        of notice or the lapse of time or both, could constitute such a default,
        except
        where the consequences, direct or indirect, of such default or defaults,
        if any,
        could not reasonably be expected to have a Material Adverse Effect.

       

      (g) In
        selecting the Receivables to be Pledged pursuant to this Agreement, no selection
        procedures were employed by Freedom Financial that were intended to be adverse
        to the interests of the Lender.

       

      (h) The
        sale
        of the Pledged Receivables by Freedom Financial to the Borrower pursuant
        to the
        PCA and the related Assignment is in the ordinary course of business of Freedom
        Financial and is not subject to the bulk transfer or any similar statutory
        provisions in effect in any applicable jurisdiction. Freedom Financial has
        received fair and adequate consideration and reasonably equivalent value
        in
        exchange for the Pledged Receivables sold by it to the Borrower under the
        PCA
        and the related Assignment.

       

      
        
          
          

        

        
          -16-

          
            

          

        

        
          
          

        

      

       

      (i) The
        grant
        of the security interest in the Pledged Assets by the Borrower to the
        Administrator for the benefit of the Lender pursuant to this Agreement is
        in the
        ordinary course of business for the Borrower and is not subject to the bulk
        transfer or any similar statutory provisions in effect in any applicable
        jurisdiction. No such Pledged Assets have been sold, transferred, assigned
        or
        pledged by the Borrower to any Person other than the Pledge of such Assets
        to
        the Administrator for the benefit of the Lender pursuant to the terms of
        this
        Agreement. 

       

      (j) The
        Borrower has no Debt, other than Debt incurred under (or contemplated by)
        the
        terms of this Agreement.

       

      (k) The
        Borrower has been formed solely for the purpose of engaging in the transactions
        contemplated by this Agreement and the other Transaction Documents. The Borrower
        has no subsidiaries and has engaged in no business activities other than
        those
        expressly contemplated in this Agreement and the PCA.

       

      (l) No
        injunction, writ, restraining order or other order of any nature materially
        and
        adversely affects the Servicer’s or the Borrower’s performance of their
        respective obligations under this Agreement or any Transaction Document to
        which
        the Servicer or Borrower is a party.

       

      (m) Each
        of
        the Servicer and the Borrower has filed (on a consolidated basis or otherwise)
        on a timely basis all tax returns (including, without limitation, foreign,
        federal, state, local and otherwise) required to be filed, is not liable
        for
        taxes payable by any other Person and has paid or made adequate provisions
        for
        the payment of all taxes, assessments and other governmental charges due
        from
        the Servicer or the Borrower, as applicable. No tax lien or similar adverse
        claim has been filed, and no claim is being asserted, with respect to any
        such
        tax, assessment or other governmental charge. Any taxes, fees and other
        governmental charges payable by the Servicer or the Borrower, as applicable,
        in
        connection with the execution and delivery of this Agreement and the Transaction
        Documents and the transactions contemplated hereby or thereby have been paid
        or
        shall have been paid if and when due.

       

      (n) The
        Borrower’s legal name as of the date hereof is as set forth in the signature
        pages of this Agreement, the Borrower’s only jurisdiction of formation as of the
        date hereof is Delaware, and the Borrower has not changed (i) its jurisdiction
        of formation or (ii) its name since the date hereof, except to the extent
        that
        the Administrator has received prior written notice of such change. The
        Servicer’s legal name as of the date hereof is as set forth in the signature
        pages of this Agreement, the Servicer’s only jurisdiction of incorporation as of
        the date hereof is Delaware, and the Servicer has not changed (x) its
        jurisdiction of incorporation or (y) its name since the date hereof, except
        to
        the extent that the Administrator has received prior written notice of such
        change. Neither the Borrower nor the Servicer uses any tradenames, fictitious
        names, assumed names or “doing business as” names other than as disclosed on
Schedule
        VI
        annexed
        hereto.

       

      (o) Each
        of
        the Servicer and the Borrower is solvent and will not become insolvent after
        giving effect to the transactions contemplated hereby; each of the Servicer
        and
        the Borrower is paying its debts as they become due; and each of the Servicer
        and the Borrower, after giving effect to the transactions contemplated hereby,
        will have adequate capital to conduct its business.

       

      
        
          
          

        

        
          -17-

          
            

          

        

        
          
          

        

      

       

      (p) No
        Notice
        of Borrowing, Borrowing Base Certificate, Monthly Remittance Report and
        Compliance Certificate, information, exhibit, financial statement, document,
        book, record or report furnished or to be furnished by the Borrower or the
        Servicer to the Administrator or the Lender in connection with this Agreement
        is
        or will be inaccurate in any material respect as of the date it is or shall
        be
        dated or (except as otherwise disclosed in writing to the Administrator or
        the
        Lender, as the case may be, at such time) as of the date so furnished, and
        no
        such document contains or will contain any material misstatement of fact
        or
        omits or shall omit to state a material fact or any fact necessary to make
        the
        statements contained therein not misleading.

       

      (q) No
        proceeds of any Advances have been used (i) to acquire any security in any
        transaction which is subject to Section 13 or 14 of the Securities Exchange
        Act of 1934, as amended, or (ii) for the purpose, whether immediate,
        incidental or ultimate, of buying or carrying any “margin stock” within the
        meaning of Regulations T, U or X issued by the Board of Governors of the
        Federal Reserve System of the United States.

       

      (r) There
        are
        no agreements in effect adversely affecting the rights of the Borrower to
        make,
        or cause to be made, the grant of the security interest in the Pledged Assets
        contemplated by Section 2.08.

       

      (s) The
        Borrower is not an “investment company” or an “affiliated person” of or
“promoter” or “principal underwriter” for an “investment company” as such terms
        are defined in the Investment Company Act of 1940, as amended, nor is the
        Borrower otherwise subject to regulation thereunder.

       

      (t) No
        Funding Termination Event, Event of Default or Default has occurred and is
        continuing.

       

      (u) Each
        of
        the Pledged Receivables was underwritten and is being serviced in conformance
        with Freedom Financial’s standard underwriting, credit, collection, operating
        and reporting procedures and systems (including, without limitation, the
        Servicing Policies and Procedures, the Deferment Policy and the Underwriting
        Guidelines).

       

      (v) Neither
        Freedom Financial nor any Affiliate of Freedom Financial (including, without
        limitation, Borrower) maintains any Benefit Plans, other than a health insurance
        plan and a group term life insurance plan, and Freedom Financial agrees to
        notify the Administrator in writing in advance of forming any Benefit Plans.
        Neither Freedom Financial nor any Affiliate of Freedom Financial (including,
        without limitation, Borrower) has any obligations or liabilities with respect
        to
        any Benefit Plans, nor have any such Persons had any obligations or liabilities
        with respect to any Benefit Plans during the five year period prior to the
        date
        this representation is made or deemed made. Freedom Financial will give written
        notice to the Administrator if at any time it or any Affiliate has any
        obligations or liabilities with respect to any Benefit Plans.

       

      
        
          
          

        

        
          -18-

          
            

          

        

        
          
          

        

      

       

      (w) There
        is
        not now, nor will there be at any time in the future, any agreement or
        understanding between the Servicer and the Borrower (other than as expressly
        set
        forth herein) providing for the allocation or sharing of obligations to make
        payments or otherwise in respect of any taxes, fees, assessments or other
        governmental charges.

       

      (x) There
        has
        been no material adverse change in or to (i) the property, business, condition
        (financial or otherwise), prospects or operations of Freedom Financial since
        the
        date of Freedom Financial’s most recent audited financial statements delivered
        to the Administrator, (ii) the property, business, condition (financial or
        otherwise), prospects or operations of the Borrower since the date of the
        Borrower’s organization, (iii) the enforceability, marketability or
        collectability of the Pledged Receivables or (iv) the Borrower’s or Freedom
        Financial’s ability to conduct its business or perform its obligations under
        this Agreement or any other Transaction Document.

       

      (y) No
        later
        than the billing cycle immediately following the related Borrowing Date,
        the
        Servicer will instruct all Obligors to remit all payments in respect of the
        Pledged Receivables directly to the Lockbox Account.

       

      (z) All
        amounts due and owing to a Dealer by Freedom Financial in connection with
        the
        purchase by Freedom Financial of a Receivable from such Dealer were paid
        to such
        Dealer prior to the purchase by, or contribution to, the Borrower of such
        Receivable pursuant to the PCA. Neither Freedom Financial nor the Borrower
        has
        any obligation to any Dealer with respect to any Dealer participations, any
        Dealer discounts or any other amounts owed to a Dealer in respect of the
        Pledged
        Receivables.

       

      (aa) Except
        for the fees payable to Falcon Bridge Capital Markets, no broker’s or finder’s
        fee or commission will be payable with respect to any of the transactions
        contemplated by the Transaction Documents.

       

      (bb) No
        representation or warranty of any of Freedom Financial or Borrower contained
        in
        any Transaction Document or in any other documents, certificates or written
        statements furnished to Administrator, Custodian or Lender by or on behalf
        of
        Freedom Financial or Borrower for use in connection with the transactions
        contemplated thereby contains any untrue statement of a material fact or
        omits
        to state a material fact necessary in order to make the statements contained
        herein or therein not misleading in light of the circumstances in which the
        same
        were made. Any projections and pro forma financial information contained
        in such
        materials are based upon good faith estimates and assumptions believed by
        Freedom Financial or Borrower to be reasonable at the time made. There are
        no
        facts known (or which should upon the reasonable exercise of diligence be
        known)
        to Freedom Financial or Borrower (other than matters of a general economic
        nature) that, individually or in the aggregate, could reasonably be expected
        to
        result in a Material Adverse Effect and that have not been disclosed herein
        or
        in such other documents, certificates and statements furnished to Administrator,
        Custodian or Lender for use in connection with the transactions contemplated
        by
        the Transaction Documents.

       

      (cc) To
        the
        extent applicable, each of Freedom Financial and the Borrower are in compliance,
        in all material respects, with the (i) Trading with the Enemy Act, as amended,
        and each of the foreign assets control regulations of the United States Treasury
        Department (31 CFR, Subtitle B, Chapter V, as amended) and any other enabling
        legislation or executive order relating thereto, and (ii) Uniting and
        Strengthening America by Providing Appropriate Tools Required to Intercept
        and
        Obstruct Terrorism (USA Patriot Act of 2001). No proceeds of any Advance
        will be
        used, directly or indirectly, for any payments to any governmental official
        or
        employee, political party, official of a political party, candidate for
        political office, or anyone else acting in an official capacity, in order
        to
        obtain, retain or direct business or obtain any improper advantage, in violation
        of the United States Foreign Corrupt Practices Act of 1977, as
        amended.

       

      
        
          
          

        

        
          -19-

          
            

          

        

        
          
          

        

      

       

      ARTICLE
        V.

      GENERAL
        COVENANTS OF THE BORROWER AND FREEDOM
        FINANCIAL

       

      SECTION
        5.01 General
        Covenants.

       

      (a) General
        Covenants of the Borrower.

       

      (i) The
        Borrower will observe all entity procedures required by its Operating Documents,
        its Organizational Documents and the laws of its jurisdiction of formation.
        The
        Borrower will maintain its existence in good standing under the laws of its
        jurisdiction of organization and will promptly obtain and thereafter maintain
        qualifications to do business as a foreign limited liability company in any
        other state in which it does business and in which it is required to so
        qualify.

       

      (ii) Except
        as
        contemplated by the Transaction Documents, the Borrower shall not enter into
        any
        transactions with its shareholders, directors, officers, employees, and
        relatives thereof or subsidiaries or Affiliates, without the prior written
        consent of the Administrator and Lender;

       

      (iii) Except
        as
        contemplated by the Transaction Documents, the Borrower shall not sell all
        (or
        substantially all) of its assets without the prior written consent of the
        Administrator and Lender;

       

      (iv) The
        Borrower shall not, in any capacity, initiate a voluntary bankruptcy
        filing;

       

      (v) The
        Borrower shall not use criteria for identifying Receivables to fund on any
        Borrowing Date that are adverse to the Lender’s interests and thereby result in
        the selection of Receivables that are, in any material respect, less desirable
        or of lower market value than comparable automobile receivables owned by
        Freedom
        Financial or pledged to any other secured lender of Freedom
        Financial;

       

      (vi) Except
        as
        otherwise provided herein or in any other Transaction Document, the Borrower
        shall not (i) sell, assign (by operation of law or otherwise) or otherwise
        dispose of, or create or suffer to exist any Adverse Claim upon or with respect
        to, any Pledged Receivable, any Collections related thereto or any other
        Pledged
        Assets related thereto, or upon or with respect to any account to which any
        Collections of any Receivable are sent, or assign any right to receive income
        in
        respect thereof, (ii) create or suffer to exist any Adverse Claim upon or
        with
        respect to any of the Borrower’s assets or (iii) authorize the filing of, or
        otherwise suffer to exist, any financing statements against the Borrower
        that
        include a description of any portion of the Pledged Assets.

       

      
        
          
          

        

        
          -20-

          
            

          

        

        
          
          

        

      

       

      (vii) The
        Borrower will not merge or consolidate with, or convey, transfer, lease or
        otherwise dispose of (whether in one transaction or in a series of
        transactions), all or substantially all of its assets (whether now owned
        or
        hereafter acquired), or acquire all or substantially all of the assets or
        capital stock or other ownership interest of any Person, other than the security
        interests granted pursuant to this Agreement without the prior written consent
        of the Administrator.

       

      (viii) The
        Borrower will not account for or treat (whether in financial statements or
        otherwise) the transactions contemplated by the PCA in any manner other than
        the
        sale or contribution of Receivables and Other Conveyed Property by Freedom
        Financial to the Borrower, it being understood that the Advances to the Borrower
        under this Agreement will be treated as debt on the consolidated financial
        statements of Freedom Financial.

       

      (ix) The
        Borrower will not amend, modify, waive or terminate any terms or conditions
        of
        the PCA without the written consent of the Administrator and shall perform
        its
        obligations thereunder.

       

      (x) The
        Borrower will not amend, modify or otherwise make any change to any of its
        Organizational Documents or Operating Documents without the prior written
        consent of the Administrator.

       

      (xi) If
        the
        Borrower receives any Collections, the Borrower will remit such Collections
        to
        the Collection Account within one (1) Business Day of its receipt
        thereof.

       

      (xii) The
        Borrower shall deliver or cause to be delivered to the Custodian in accordance
        with Section
        6.15
        hereof
        each item required to be contained in the Receivable File of each of the
        Receivables being pledged to the Administrator on any Borrowing
        Date.

       

      (xiii) The
        Borrower shall deliver to the Administrator on each Borrowing Date the
        Assignment delivered to it on such Borrowing Date pursuant to the
        PCA.

       

      (xiv) The
        Borrower will operate its business and activities so that it does not (i)
        engage
        in any business or activity of any kind, or enter into any transaction or
        indenture, mortgage, instrument, agreement, contract, lease or other
        undertaking, other than the transactions contemplated and authorized by this
        Agreement and the other Transaction Documents, or (ii) create, incur, guarantee,
        assume or suffer to exist any Debt or other liabilities, whether direct or
        contingent, other than (1) as a result of the endorsement of negotiable
        instruments for deposit or collection or similar transactions in the ordinary
        course of business, (2) the incurrence of Obligations under this Agreement,
        (3)
        the incurrence of Obligations, as expressly contemplated in the PCA, to make
        payment to Freedom Financial thereunder for the purchase of Receivables from
        Freedom Financial under the PCA and for Collections received not on the account
        of a Receivable sold or contributed to the Borrower thereunder, and (4) the
        incurrence of operating expenses in the ordinary course of business of the
        type
        otherwise contemplated by this Agreement.

       

      
        
          
          

        

        
          -21-

          
            

          

        

        
          
          

        

      

       

      (xv) The
        Borrower shall not declare or make any distributions in respect of its member
        interests if a Funding Termination Event, Event of Default or Default shall
        then
        exist or would exist as a result thereof.

       

      (xvi) The
        Borrower shall at all times comply in all material respects with all
        requirements of federal, state and local laws, and regulations thereunder,
        that
        are applicable to the conduct of its business.

       

      (xvii) The
        Borrower hereby agrees to deliver to Administrator and Lender financing
        statements, continuation statements and other documents, agreements, and
        instruments, in form acceptable to Administrator and Lender, and do such
        further
        acts, as Administrator (at the direction of Lender) or Lender may from time
        to
        time reasonably request or which are reasonably necessary to establish and
        maintain a valid and perfected security interest in the Pledged Assets (and
        to
        pay any filing fees relative thereto) or to further assure or confirm
        Administrator’s and Lender’s rights hereunder. Without limiting the foregoing,
        the Borrower authorizes Administrator and Lender, to the extent permitted
        by
        law, to file such financing statements and amendments thereto and continuations
        thereof relating to all or any part of the Pledged Assets without the signature
        or any further action of Borrower (including, to the extent permitted by
        law, to
        file a photographic or other reproduction of this Agreement). In addition,
        the
        Borrower agrees at any time and from time to time upon not less than ten
        (10)
        days’ prior notice by Administrator or Lender to Borrower, to execute,
        acknowledge and deliver to Administrator or Lender or any other party specified
        in such notice, a statement, in writing, certifying that this Agreement is
        unmodified and in full force and effect (or if there have been modifications,
        that the same, as modified, is in full force and effect and stating the
        modifications hereto) and stating whether or not any default or Event of
        Default
        has occurred, and, if so, specifying each such default or Event of Default.
        

       

      (xviii) The
        Borrower will, at its expense, promptly execute, acknowledge and deliver
        such
        further documents and do such other acts and things as Administrator may
        reasonably request in order to effect fully the purposes of this Agreement
        and
        the related Transaction Documents.

       

      (b) General
        Covenants of Freedom Financial.

       

      (i) Freedom
        Financial will observe all entity procedures required by its Operating
        Documents, its Organizational Documents and the laws of its jurisdiction
        of
        incorporation. Freedom Financial will maintain its existence in good standing
        under the laws of its jurisdiction of incorporation and will promptly obtain
        and
        thereafter maintain qualifications to do business as a foreign corporation
        in
        any other state in which it does business and in which it is required to
        so
        qualify;

       

      
        
          
          

        

        
          -22-

          
            

          

        

        
          
          

        

      

       

      (ii) Freedom
        Financial shall at the end of each fiscal quarter commencing March 31, 2008,
        have and maintain a Tangible Net Worth in an amount which shall not be less
        than
        an amount (the “Minimum
        Tangible Net Worth Amount”)
        equal
        to $7,500,000. Such amount shall be calculated in accordance with GAAP as
        in
        effect as of the date hereof, consistently applied;

       

      (iii) Freedom
        Financial, together with its consolidated subsidiaries, shall at all times
        maintain a ratio of (a) Debt to (b) the sum of (x) Tangible Net Worth and
        (y)
        subordinated Debt, not to exceed 2:1;

       

      (iv) Freedom
        Financial, together with its consolidated subsidiaries, shall at all times
        maintain unrestricted cash and cash equivalents in an amount not less than
        $500,000;

       

      (v) Freedom
        Financial will not incur any Debt (except as contemplated under the Guaranty)
        in
        excess of $75,000 in the aggregate without the prior written consent of the
        Lender;

       

      (vi) Freedom
        Financial shall cause all of the Existing Subordinated Debt, if any, to remain
        outstanding in full until the Termination Date; provided that Freedom Financial
        may convert any such Existing Subordinated Debt into equity of Freedom
        Financial;

       

      (vii) Freedom
        Financial shall not enter into any transactions with its shareholders,
        directors, officers, employees, and relatives thereof or subsidiaries or
        Affiliates which would have a Material Adverse Effect, except in the normal
        course of its business on an “arm’s length” basis, without the prior written
        consent of the Lender;

       

      (viii) Except
        as
        contemplated by the Transaction Documents, Freedom Financial shall not (x)
        sell
        all (or substantially all) of its assets or (y) transfer or sell, directly
        or
        indirectly, any of its assets to TCG, in each case without the prior written
        consent of the Lender;

       

      (ix) Freedom
        Financial shall not, in any capacity, initiate bankruptcy proceedings against
        the Borrower or to consent to any voluntary bankruptcy filing by the Borrower,
        except with the prior written consent of the Administrator;

       

      (x) Freedom
        Financial will, to the extent necessary, maintain separate records on behalf
        of
        and for the benefit of the Administrator and the Lender, will act in accordance
        with instructions and directions, delivered in accordance with the terms
        hereof,
        from the Administrator and the Lender in connection with its servicing of
        the
        Pledged Receivables hereunder, and will ensure that, at all times when it
        is
        dealing with or in connection with the Pledged Receivables in its capacity
        as
        Servicer, it holds itself out as Servicer, and not in any other
        capacity.

       

      
        
          
          

        

        
          -23-

          
            

          

        

        
          
          

        

      

       

      (xi) Freedom
        Financial shall, to the extent required by applicable law, disclose all material
        transactions associated with this transaction in appropriate regulatory filings
        and public announcements. The annual financial statements of Freedom Financial
        (including any consolidated financial statements) shall disclose the effects
        of
        the transactions contemplated by the PCA as a sale and/or contribution of
        Receivables and Other Conveyed Property and the annual financial statements
        of
        the Borrower shall disclose the effects of the transactions contemplated
        by this
        Agreement as a loan to the extent required by and in accordance with generally
        accepted accounting principles, it being understood that the Advances to
        the
        Borrower under this Agreement will be treated as debt on the consolidated
        financial statements of Freedom Financial.

       

      (xii) Freedom
        Financial, in its capacity as Servicer, shall comply in all material respects
        with all provisions of the Servicing Policies and Procedures to the extent
        consistent with the provisions of Article VI. Freedom Financial shall not
        make
        or allow to be made any material modification or amendment to the Servicing
        Policies and Procedures, the Deferment Policy or the Underwriting Guidelines,
        in
        each case without the prior written consent of the Lender and the Administrator.
        

       

      (xiii) No
        later
        than the billing cycle immediately following the related Borrowing Date,
        Freedom
        Financial, in its capacity as Servicer, shall direct and cause each Obligor
        to
        remit all payments in respect of the Pledged Receivables to the Lockbox
        Account.

       

      (xiv) Freedom
        Financial shall not declare or make any dividend or distribution in respect
        of
        any class of capital stock of Freedom Financial unless no Default or Event
        of
        Default shall have occurred and be continuing and, after taking into account
        the
        effect of such distribution, Freedom Financial shall have a Tangible Net
        Worth
        which shall be equal to, or greater than, the Minimum Tangible Net Worth
        Amount.

       

      (xv) Freedom
        Financial, in its capacity as Originator, shall comply in all material respects
        with all provisions of the Underwriting Guidelines. 

       

      (xvi) Freedom
        Financial shall not make or permit to be made any amendment to any Dealer
        Assignment or any Dealer Agreement without the prior written consent of the
        Administrator.

       

      (xvii) Freedom
        Financial shall at all times comply in all material respects with all
        requirements of federal, state and local laws, and regulations thereunder,
        that
        are applicable to the conduct of its business (including, without limitation
        but
        only if and to the extent applicable, usury laws, the Federal Truth-in-Lending
        Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair
        Credit Reporting Act, the Fair Debt Collection Practices Act, the Federal
        Trade
        Commission Act, the Magnuson-Moss Warranty Act, the Federal Reserve Board’s
        Regulations “B” and “Z”, the Servicemembers Civil Relief Act and state
        adaptations of the National Consumer Act and of the Uniform Consumer Credit
        Code, and all other credit laws and equal credit opportunity and disclosure
        laws
        and any regulations promulgated thereunder).

       

      
        
          
          

        

        
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      (xviii) Freedom
        Financial will not permit the weighted average cash interest rate payable
        by the
        Obligors under any Pledged Receivables as of the last day of any fiscal quarter
        to be less than 18.0% per annum.

       

      (xix) Freedom
        Financial will not make or permit to be made any amendment, modification
        or
        other change to any of Organizational Documents or Operating Documents of
        the
        Borrower without the prior written consent of the Administrator, which shall
        not
        be unreasonably withheld.

       

      (xx) On
        or
        prior to February 28, 2008, Freedom Financial will implement or cause to
        be
        implemented each of the actions recommended in the Recommended Compliance
        Action
        Plan attached hereto as Exhibit
        H.

       

      (xxi) Freedom
        Financial will, at its expense, promptly execute, acknowledge and deliver
        such
        further documents and do such other acts and things as Administrator may
        reasonably request in order to effect fully the purposes of this Agreement
        and
        the related Transaction Documents. 

       

      SECTION
        5.02 Separateness
        Covenants.
        Borrower acknowledges that the Administrator and the Lender are entering
        into
        this Agreement in reliance upon Borrower’s identity as a legal entity that is
        separate from any other Person. Therefore, from and after the date of this
        Agreement, Borrower shall take all reasonable steps, including without
        limitation, all steps that the Administrator or the Lender may from time
        to time
        reasonably request, to maintain Borrower’s identity as a separate legal entity
        and to make it manifest to third parties that Borrower is a separate legal
        entity. Without limiting the generality of the foregoing, Borrower agrees
        that
        it has not and shall not:

       

      (a) engage
        in
        any business or activity other than the ownership and maintenance of the
        Pledged
        Assets, and activities incidental thereto;

       

      (b) acquire
        or own any material asset other than the Pledged Assets;

       

      (c) merge
        into or consolidate with any Person or entity or dissolve, terminate or
        liquidate in whole or in part, transfer or otherwise dispose of all or
        substantially all of its assets or change its legal structure, in each case
        without Lender’s consent;

       

      (d) fail
        to
        preserve its existence as an entity duly organized, validly existing and
        in good
        standing (if applicable) under the laws of the jurisdiction of its organization
        or formation, or without the prior written consent of Lender, amend, modify,
        change, repeal, terminate or fail to comply with the provisions of Borrower’s
        certificate of organization, limited liability company agreement or similar
        organizational documents, as the case may be; provided, however, Borrower
        may
        amend its operating agreement without Lender’s’ consent (i) to cure any
        ambiguity, (ii) with respect to administrative matters, (iii) to convert
        or
        supplement any provision in a manner consistent with the intent of this
        Agreement, or (iv) if the amendment will not have a Material Adverse
        Effect;

       

      
        
          
          

        

        
          -25-

          
            

          

        

        
          
          

        

      

       

      (e) own
        any
        subsidiary or make any investment in, any Person or entity without the consent
        of Lender;

       

      (f) commingle
        its assets with the assets of any of its members, affiliates, principals
        or of
        any other Person or entity;

       

      (g) incur
        any
        debt, secured or unsecured, direct or contingent (including guaranteeing
        any
        obligation), other than the Advances provided by Administrator or Lender
        to
        Borrower pursuant to this Agreement;

       

      (h) fail
        to
        remain solvent;

       

      (i) fail
        to
        maintain its records, books of account and bank accounts separate and apart
        from
        those of the members, principals and affiliates of Borrower or the affiliates
        of
        a member of Borrower or any other Person;

       

      (j) except
        as
        otherwise expressly permitted by the Transaction Documents, enter into any
        contract or agreement with any Affiliate except upon terms and conditions
        that
        are intrinsically fair and substantially similar to those that would be
        available on an arms-length basis with third parties other than any Affiliate
        or
        fail to maintain separate financial statements from those of its Affiliates;
        provided, however, the Borrower’s financial position, assets, liabilities, net
        worth and operating results may be included in the consolidated financial
        statements of an Affiliate, provided that such consolidated financial statements
        contain a footnote indicating that the Borrower is a separate legal entity
        and
        that it maintains separate books and records;

       

      (k) seek
        the
        dissolution or winding up in whole, or in part, of Borrower or take any action
        that would cause such entity to become insolvent;

       

      (l) fail
        to
        correct any known misunderstandings regarding the separate identity of Borrower
        or any Affiliate, as the case may be;

       

      (m) maintain
        its assets in such a manner that it will be costly or difficult to segregate,
        ascertain or identify its individual assets from those of any other
        Person;

       

      (n) assume
        or
        guaranty the debts of any other Person (other than as provided for in the
        Transaction Documents), hold itself out to be responsible for the debts of
        any
        other Person, or otherwise pledge its assets for the benefit of any other
        Person
        or hold out its credit as being available to satisfy the obligations of any
        other Person (other than as provided in the Transaction Documents);

       

      (o) make
        any
        loans or advances to any third party, including any Affiliate;

       

      
        
          
          

        

        
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      (p) fail
        to
        either file its own tax returns or file a consolidated federal income tax return
        with another Person (unless prohibited or required, as the case may be, by
        applicable law);

       

      (q) fail
        either to hold itself out to the public as a legal entity separate and distinct
        from any other entity or Person or to conduct its business solely in its
        own
        name in order not (i) to mislead others as to the identity with which such
        other
        party is transacting business, or (ii) to suggest that Borrower is responsible
        for the debts of any third party (including any Affiliate of
        Borrower);

       

      (r) fail
        to
        maintain adequate capital for the normal obligations reasonably foreseeable
        in a
        business of its size and character and in light of its contemplated business
        operations;

       

      (s) file
        or
        consent to the filing of any petition, either voluntary or involuntary, to
        take
        advantage of any applicable insolvency, bankruptcy, liquidation or
        reorganization statute, or make an assignment for the benefit of
        creditors;

       

      (t) share
        any
        common logo with or hold itself out as or be considered as a department or
        division of any principal, member or affiliate of Borrower or any other Person
        or entity;

       

      (u) fail
        to
        allocate fairly and reasonably shared expenses (including, without limitation,
        shared office space and services performed by an employee of an Affiliate)
        among
        the Persons sharing such expenses and to use separate stationery, invoices
        and
        checks;

       

      (v) acquire
        obligations or securities of its members, shareholders of other affiliates,
        as
        applicable; 

       

      (w) account
        for or treat (whether in financial statements or otherwise) the transactions
        contemplated by the PCA in any manner other than the sale of the Receivables
        and
        the Other Conveyed Property to the Borrower or in any other respect account
        for
        or treat the transactions contemplated therein in any manner other than as
        a
        sale of the Receivables and the Other Conveyed Property to
        Borrower;

       

      (x) make
        any
        revision or amendment to the PCA without the consent of the Lender, which
        consent shall not be unreasonably withheld; and

       

      (y) fail
        to
        cause its members, managers, directors, officers, agents and other
        representatives to act at all times with respect to Borrower consistently
        and in
        furtherance of the foregoing and in the best interests of such
        entity.

       

      In
        the
        event of any inconsistency between the covenants set forth in this Section
        5.02
        and the other covenants set forth in this Agreement, or in the event that
        any
        covenant set forth in this Section 5.02 poses a greater restriction or
        obligation than is set forth elsewhere in this Agreement, the covenants set
        forth in this Section 5.02 shall control.

       

      
        
          
          

        

        
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      ARTICLE
        VI.

      ADMINISTRATION
        AND SERVICING; CERTAIN COVENANTS

       

      SECTION
        6.01 Appointment
        and Designation of the Servicer.

       

      (a) The
        Borrower, the Lender and the Administrator hereby appoint the Servicer as
        their
        agent to service, administer and collect the Pledged Receivables and otherwise
        to enforce their respective rights and interests in and under the Pledged
        Receivables and the other Pledged Assets, and the Servicer hereby accepts
        such
        appointment and agrees to perform the duties and obligations of the Servicer
        pursuant to the terms hereof at all times until the earlier of the
        Administrator’s designation of a new Servicer as provided herein, the delivery
        by the Administrator of its consent to the appointment by the Borrower of
        a
        Successor Servicer or the Final Payment Date. The Servicer shall collect
        such
        Pledged Receivables under the conditions referred to above by means of the
        collection procedures as set forth in the Servicing Policies and Procedures,
        to
        the extent consistent with the provisions of this Article VI.
        The
        Servicer’s authorization under this Agreement shall terminate on the Final
        Payment Date. Upon the occurrence and during the continuance of any Servicer
        Default or any Event of Default, the Administrator may at any time (with
        the
        approval of the Lender) terminate Freedom Financial or any Successor Servicer
        as
        Servicer and designate as Servicer any Person to succeed Freedom Financial
        or
        any Successor Servicer, on the condition in each case that any such Person
        so
        designated shall agree to perform the duties and obligations of the Servicer
        pursuant to the terms hereof.

       

      (b) The
        Servicer is hereby authorized to act for the Borrower and the Administrator
        and
        in such capacity shall manage, service, administer and make collections on
        the
        Pledged Receivables, and perform the other actions required by the Servicer
        under this Agreement for the benefit of the Administrator and the Lender.
        The
        Servicer agrees that its servicing of the Pledged Receivables shall be carried
        out in accordance with customary and usual procedures of institutions which
        service motor vehicle retail installment sales contracts with credit
        characteristics similar to those of the Pledged Receivables and, to the extent
        more exacting, the degree of skill and attention that the Servicer exercises
        from time to time with respect to all comparable motor vehicle receivables
        that
        it services for itself or others in accordance with the Servicing Policies
        and
        Procedures and, to the extent more exacting, the requirements of this
Article VI
        (the
“Servicing
        Standard”).
        The
        Servicer’s duties shall include, without limitation, (i) collection and posting
        of all payments, (ii) responding to inquiries of Obligors on the Pledged
        Receivables, (iii) investigating delinquencies on the Pledged Receivables,
        (iv)
        sending payment statements or payment books to Obligors, (v) reporting any
        required tax information to Obligors, (vi) policing the collateral, (vii)
        accounting for collections, (viii) furnishing Notices of Borrowing, Borrowing
        Base Certificates and Monthly Remittance Report and Compliance Certificates
        to
        the Administrator, (ix) monitoring the status of Insurance Policies with
        respect
        to the Financed Vehicles, and (x) performing the other duties specified herein,
        all of which shall be performed in accordance with the Servicing Standard.
        The
        Servicer shall also administer and enforce the Dealer Agreements (and shall
        maintain possession of the Dealer Agreements, to the extent it is necessary
        to
        do so), the Dealer Assignments and the Insurance Policies in accordance with
        the
        Servicing Standard. 

       

      
        
          
          

        

        
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      (c) To
        the
        extent consistent with the Servicing Standard, the Servicer shall have full
        power and authority, acting alone, to do any and all things in connection
        with
        such managing, servicing, administration and collection that it may deem
        necessary or desirable. The Servicer is authorized to release Liens on Financed
        Vehicles in order to collect insurance proceeds with respect thereto and
        to
        liquidate such Financed Vehicles in accordance with the Servicing Standard;
        provided,
        however,
        that
        notwithstanding the foregoing, without the prior written consent of the
        Administrator, the Servicer shall not, (i) except pursuant to an order from
        a court of competent jurisdiction, release an Obligor from payment of any
        unpaid
        amount under any Pledged Receivable or (ii) waive the right to collect the
        unpaid balance of any Pledged Receivable from such Obligor, except that,
        subject
        to Section 6.02(a),
        the
        Servicer may forego collection efforts if the amount that the Servicer expects
        to realize in connection with such collection efforts is determined by the
        Servicer to be less than the reasonably expected costs of pursuing such
        collection efforts, and if the Servicer would forego such collection efforts
        in
        accordance with the Servicing Standard. The Servicer is hereby authorized
        to
        commence, in its own name or in the name of the Borrower, the Administrator
        or
        the Lender (provided
        that if
        the Servicer is acting in the name of the Borrower, the Administrator or
        the
        Lender, the Servicer shall have obtained the Borrower’s, the Administrator’s or
        the Lender’s consent, as the case may be), a legal proceeding to enforce a
        Pledged Receivable or to commence or participate in any other legal proceeding
        (including, without limitation, a bankruptcy proceeding) relating to or
        involving a Pledged Receivable, an Obligor or a Financed Vehicle. If the
        Servicer commences or participates in such a legal proceeding in its own
        name,
        the Borrower, the Administrator or the Lender, as the case may be, shall
        thereupon be deemed to have automatically assigned such Pledged Receivable
        to
        the Servicer solely for purposes of commencing or participating in any such
        proceeding as a party or claimant, and the Servicer is authorized and empowered
        by the Borrower, the Administrator or the Lender, as the case may be, to
        execute
        and deliver in the Servicer’s name any notices, demands, claims, complaints,
        responses, affidavits or other documents or instruments in connection with
        any
        such proceeding. The Borrower, the Administrator or the Lender, as the case
        may
        be, shall furnish the Servicer with any powers of attorney and other documents
        which the Servicer may reasonably request in writing and which the Servicer
        deems necessary or appropriate and take any other steps which the Servicer
        may
        deem necessary or appropriate to enable the Servicer to carry out its servicing
        and administrative duties under this Agreement.

       

      SECTION
        6.02 Collection
        of Receivable Payments; Modification and Amendment of
        Receivables.

       

      (a) On
        the
        Closing Date, the Servicer shall establish and shall thereafter cause to
        be
        maintained a lockbox account (the “Lockbox
        Account”)
        in the
        name of the Servicer for the benefit of the Administrator and the Lender
        at a
        bank local to the Servicer and acceptable to the Administrator, in its sole
        discretion (the “Lockbox
        Bank”).
        The
        Lockbox Account shall be subject to an account control agreement (the
“Lockbox
        Account Control Agreement”)
        by and
        among the Servicer, the Borrower, the Administrator and the Lockbox Bank,
        in
        form and substance satisfactory to the Administrator, in its sole discretion.
        All expenses incurred in connection with the establishment and maintenance
        of
        the Lockbox Account shall be borne by the Borrower. On the Closing Date,
        the
        Administrator shall establish and shall thereafter cause to be maintained
        a
        collection account (the “Collection
        Account”)
        in the
        name of the Administrator for the benefit of the Lender at a bank local to
        the
        Administrator and acceptable to the Lender, in its sole discretion (the
“Administrator’s
        Bank”).
        By no
        later than the billing cycle immediately following the related Borrowing
        Date,
        the Servicer shall direct the Obligor of each Pledged Receivable to forward
        all
        payments and other amounts in respect of each related Contract (x) by direct
        deposit from the Obligor’s bank account to the Lockbox Bank or (y) by check, to
        be sent directly to the Lockbox Bank, in each case for deposit into the Lockbox
        Account. The Servicer shall cause the Lockbox Bank to transfer all cleared
        Collections from the Lockbox Account to the Collection Account on a daily
        basis.
        The Servicer shall deposit or cause to be deposited any Collections received
        by
        it into the Lockbox Account, without deposit into any intervening account,
        no
        later than one (1) Business Day after its receipt thereof. No Person other
        than
        the Administrator shall have the authority to withdraw or direct disposition
        of
        funds in the Lockbox Account or the Collection Account. All expenses incurred
        in
        connection with the establishment and maintenance of the Lockbox Account
        and the
        Collection Account shall be borne by the Borrower.

       

      
        
          
          

        

        
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      (b) Consistent
        with the Servicing Standard and the Servicing Policies and Procedures, the
        Servicer shall make commercially reasonable efforts to collect all payments
        called for under the terms and provisions of the Pledged Receivables as and
        when
        the same shall become due, and shall follow such collection procedures as
        it
        follows with respect to all comparable automobile receivables that it services
        for itself or others and otherwise act with respect to the Pledged Receivables,
        the Dealer Agreements, the Dealer Assignments and the Insurance Policies
        in such
        manner as will, in the reasonable judgment of the Servicer, maximize the
        amount
        to be received by the Borrower and the Lender with respect thereto.

       

      (c) The
        Servicer may only permit amendments or other modifications to a Pledged
        Receivable (other than extensions) in accordance with the Servicing Policies
        and
        Procedures.

       

      (d) The
        Servicer may only grant payment extensions on a Pledged Receivable in accordance
        with the Deferment Policy. 

       

      SECTION
        6.03 Realization
        Upon Receivables.

       

      (a) Consistent
        with the Servicing Standard, the Servicer shall use commercially reasonable
        efforts to repossess (or otherwise comparably convert the ownership of) and
        liquidate any Financed Vehicle securing a Pledged Receivable with respect
        to
        which the Servicer has determined that payments thereunder are not likely
        to be
        resumed, as soon as is practicable after default on such Pledged Receivable
        but
        in no event later than thirty (30) days after such determination or an earlier
        date that would be customary under the circumstances involved and, in any
        case,
        in a manner as will, in the reasonable judgment of the Servicer, maximize
        the
        amount to be received by the Borrower and the Lender with respect thereto.
        The
        Servicer is authorized to follow such customary practices and procedures
        as it
        shall deem necessary or advisable, consistent with the Servicing Standard,
        which
        practices and procedures may include reasonable efforts to realize upon any
        recourse to Dealers, selling the related Financed Vehicle at public or private
        sale, the submission of claims under an Insurance Policy and other actions
        by
        the Servicer in order to realize upon such Pledged Receivable. The foregoing
        is
        subject to the provision that, in any case in which the Financed Vehicle
        shall
        have suffered damage, the Servicer shall not expend funds in connection with
        any
        repair or towards the repossession of such Financed Vehicle unless it shall
        determine in its discretion that such repair and/or repossession shall increase
        the proceeds of liquidation of the related Pledged Receivable by an amount
        greater than the amount of such expenses. All Liquidation Proceeds shall
        be
        remitted directly by the Servicer to the Lockbox Account without deposit
        into
        any intervening account as soon as practicable, but in no event later than
        one
        (1) Business Day after receipt thereof. The Servicer shall pay on behalf
        of the
        Borrower any personal property, franchise or other taxes assessed on repossessed
        Financed Vehicles from moneys collected in respect thereof.

       

      
        
          
          

        

        
          -30-

          
            

          

        

        
          
          

        

      

       

      (b) If
        the
        Servicer elects to commence a legal proceeding to enforce a Dealer Agreement
        or
        Dealer Assignment, the act of commencement shall be deemed to be an automatic
        assignment from the Borrower, the Administrator and the Lender of their rights
        under such Dealer Agreement and Dealer Assignment for purposes of collection
        only. If, however, in any enforcement suit or legal proceeding, it is held
        that
        the Servicer may not enforce a Dealer Agreement or Dealer Assignment on the
        grounds that it is not a real party in interest or a Person entitled to enforce
        the Dealer Agreement or Dealer Assignment, the Borrower, at the Servicer’s
        expense, shall take such steps as the Servicer deems necessary to enforce
        the
        Dealer Agreement or Dealer Assignment, including bringing suit in its name.
        All
        amounts recovered shall be remitted directly by the Servicer to the Lockbox
        Account without deposit into any intervening account as soon as practicable,
        but
        in no event later than one (1) Business Day after receipt thereof.

       

      SECTION
        6.04 Insurance
        Regarding Financed Vehicles.

       

      (a) Without
        limiting the effect of any other provision hereof, the Servicer shall monitor
        the status of the Insurance Policies in accordance with the Servicing Policies
        and Procedures and the Servicing Standard. If the Servicer shall determine
        that
        an Obligor has failed to obtain or maintain a physical loss and damage insurance
        policy covering the related Financed Vehicle which satisfies the conditions
        set
        forth in Item 9 of Schedule V
        hereto
        (including during the repossession of such Financed Vehicle), the Servicer
        shall
        use commercially reasonable efforts to enforce all rights under the related
        Contract to ensure that the Obligor obtains such physical loss and damage
        insurance; provided,
        however,
        in no
        event shall the Servicer be required to obtain any such insurance on the
        Obligor’s behalf and at the Obligor’s expense in the event the Obligor fails to
        obtain any such insurance. In addition, the Servicer shall be responsible
        for
        tracking the expiration dates of any insurance certificates delivered to
        the
        Custodian as part of a Receivable File and delivering to the Custodian on
        or
        before each Monthly Reporting Date a data file that indicates the status
        of
        effectiveness of the Insurance Policies for the Financed Vehicles with respect
        to each Pledged Receivable. 

       

      (b) The
        Servicer may and, upon the request of the Administrator, shall, sue to enforce
        or collect upon the Insurance Policies, in its own name, if possible, or
        as
        agent of the Borrower, the Administrator and the Lender. If the Servicer
        elects
        to commence a legal proceeding to enforce an Insurance Policy, the act of
        commencement shall be deemed to be an automatic assignment of the rights
        of the
        Borrower, the Administrator and the Lender under such Insurance Policy to
        the
        Servicer for purposes of collection only. If, however, in any enforcement
        suit
        or legal proceeding it is held that the Servicer may not enforce an Insurance
        Policy on the grounds that it is not a real party in interest or a holder
        entitled to enforce the Insurance Policy, the Borrower shall take such steps
        as
        the Servicer deems necessary to enforce such Insurance Policy, including
        bringing suit in its name.

       

      
        
          
          

        

        
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      SECTION
        6.05 Maintenance
        of Security Interests in Financed Vehicles.

       

      (a) The
        Servicer and the Borrower shall take all steps necessary under all applicable
        law (including, without limitation, obtaining valid lien releases from other
        secured lenders) in order to cause a valid, subsisting and enforceable first
        priority perfected security interest to exist in the Borrower’s favor in the
        Financed Vehicle securing each Receivable (and the proceeds of such Financed
        Vehicle) being Pledged hereunder to secure an Advance on the Borrowing Date
        thereof or the Borrowing Date on which such Receivable is Pledged hereunder
        so
        that immediately prior to the Pledge of such Receivable by the Borrower to
        the
        Administrator (for the benefit of the Lender) and at all times thereafter,
        there
        shall exist in favor of the Borrower as secured party, a valid, subsisting
        and
        enforceable first priority perfected security interest in the Financed Vehicle
        securing such Receivable and the proceeds thereof (except as to priority,
        for
        any tax liens or mechanic’s liens that may arise after the applicable date of
        purchase of such Receivable under the PCA); provided, however, that the
        foregoing shall not be construed to require the re-issuance of the Lien
        Certificate relating to such Financed Vehicles to show the Borrower or
        Administrator as secured party unless the Administrator, in is sole discretion,
        determines that the failure to do so would have a Material Adverse Effect;
        and

       

      (b) The
        Servicer and the Borrower shall take all steps necessary under all applicable
        law in order to cause to exist in favor of the Administrator, for the benefit
        of
        the Lender, a valid, subsisting and enforceable first priority perfected
        security interest in the first priority perfected security interest of the
        Borrower in the Financed Vehicle securing any Receivable (and the proceeds
        of
        such Financed Vehicle) being Pledged hereunder to secure an Advance on the
        Borrowing Date thereof or the Borrowing Date on which such Receivable is
        Pledged
        hereunder so that upon the Pledge of such Receivable by the Borrower to the
        Administrator (for the benefit of the Lender), there shall exist in favor
        of the
        Administrator (for the benefit of the Lender) as secured party, a valid,
        subsisting and enforceable first priority perfected security interest in
        the
        first priority perfected security interest of the Borrower in the Financed
        Vehicle securing such Receivable and the proceeds thereof, and such security
        interest is and shall be prior to all other liens upon and security interests
        in
        the first priority perfected security interest of the Borrower in such Financed
        Vehicle and the proceeds thereof that now exist or may hereafter arise or
        be
        created (except, as to priority, for any tax liens or mechanic’s liens that may
        arise after the applicable date of purchase of such Receivable under the
        PCA).

       

      (c) The
        Servicer shall take all steps as are necessary to maintain perfection of
        the
        security interest in each Financed Vehicle related to a Pledged Receivable
        (and
        the proceeds of such Financed Vehicle) on behalf of the Borrower and to maintain
        perfection of the security interest of the Administrator, on behalf of the
        Lender, in the Borrower’s security interest in each such Financed Vehicle (and
        the proceeds thereof), including but not limited to obtaining the execution
        by
        the Obligors and the Borrower and the recording, registering, filing,
        re-recording, re-filing, and re-registering of all security agreements,
        financing statements and continuation statements as are necessary to maintain
        such security interests granted by the Obligors and the Borrower. Without
        limiting the generality of the foregoing, the Borrower and the Administrator
        each hereby authorizes the Servicer, and the Servicer agrees, to take any
        and
        all steps necessary to re-perfect the security interest in any Financed Vehicle
        (and the proceeds thereof) on behalf of the Borrower, and the security interest
        of the Administrator (on behalf of the Lender) in the Borrower’s security
        interest in such Financed Vehicle, as necessary because of the relocation
        of
        such Financed Vehicle or for any other reason.

       

      
        
          
          

        

        
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      (d) In
        the
        event that the sale or contribution of a Receivable by Freedom Financial
        to the
        Borrower under the PCA and the pledge of such Receivable by the Borrower
        to the
        Administrator, for the benefit of the Lender, hereunder are insufficient,
        without a notation on the related Financed Vehicle’s Lien Certificate, or
        without fulfilling any additional administrative requirements under the laws
        of
        the state in which the Financed Vehicle is located, to perfect a security
        interest in the related Financed Vehicle (and the proceeds thereof) in favor
        of
        the Borrower or to perfect a security interest in the Borrower’s security
        interest in the related Financed Vehicle (and the proceeds thereof) in favor
        of
        the Administrator, for the benefit of the Lender, the parties hereto agree
        that
        Freedom Financial’s designation as the secured party on the Lien Certificate
        with respect to such Financed Vehicle is in its capacity as agent of the
        Borrower and the Administrator, for the benefit of the Lender, as their
        interests may appear.

       

      (e) Upon
        the
        reasonable request of the Lender (or the Administrator on behalf of the Lender),
        the Servicer shall promptly take all such additional steps, if any, as are
        necessary to create and maintain perfection of the security interest in the
        Financed Vehicle related to each Pledged Receivable (and the proceeds of
        such
        Financed Vehicle) on behalf of the Borrower and to create and maintain
        perfection of the security interest in the Borrower’s security interest in the
        Financed Vehicle related to each Pledged Receivable (and the proceeds of
        such
        Financed Vehicle) on behalf of the Administrator, for the benefit of the
        Lender,
        including, if required by applicable law, having a notation of the Borrower’s
        and/or the Administrator’s respective security interest recorded on such
        Financed Vehicle’s Lien Certificate.

       

      SECTION
        6.06 Pledged
        Receivable Collections.
        The
        Servicer shall deposit into the Lockbox Account, without deposit into any
        intervening account, all Collections received by it no later than one (1)
        Business Day after its receipt thereof. Until the Final Payment Date, none
        of
        Freedom Financial, the Borrower or the Servicer shall have any rights of
        direction or withdrawal with respect to amounts held in the Lockbox Account
        or
        the Collection Account.

       

      SECTION
        6.07 Servicing
        Expense.
        The
        Servicer shall be required to pay all expenses incurred by it in connection
        with
        its servicing activities hereunder and shall not be entitled to reimbursement
        therefor, except with respect to reasonable expenses of the Servicer incurred
        in
        connection with the repossession and disposition of any Financed Vehicle
        (which
        the Servicer may retain from the related Liquidation Proceeds). The Servicer
        shall not be entitled to any compensation for its services hereunder, however,
        any successor Servicer, including the Administrator in such capacity, shall
        be
        entitled to the Successor Servicing Fee, payable in accordance with Section
        2.04(a).
        

      
         

        
          
            
            

          

          
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      SECTION
        6.08 Reporting
        Obligations of the Servicer.

       

      (a) On
        or
        before each Monthly Reporting Date, the Servicer shall prepare and deliver
        or
        have delivered to the Administrator for the Lender, (i) a Monthly
        Remittance Report and Compliance Certificate and any other information
        reasonably requested by the Administrator relating to all Pledged Receivables,
        all information in the Monthly Remittance Report and Compliance Certificate
        and
        all other such information to be accurate as of the last day of the immediately
        preceding Remittance Period, (ii) a Receivables Schedule, all information
        in such Receivables Schedule to be accurate as of the last day of the
        immediately preceding Remittance Period, and (iii) in an electronic format
        mutually acceptable to the Servicer and the Administrator, all other information
        with respect to the Pledged Receivables which was necessary for the preparation
        by the Servicer of the Monthly Remittance Report and Compliance Certificate.
        If
        any Monthly Remittance Report and Compliance Certificate indicates the existence
        of a Borrowing Base Deficiency, the Borrower will cure such Borrowing Base
        Deficiency in accordance with Section
        2.04(b)
        hereof.
        Upon request of the Administrator, the Servicer will deliver to the
        Administrator a Receivables Schedule identifying the Pledged Receivables
        (and
        any information with respect thereto requested by the Administrator) as of
        the
        date specified in such request. In addition, upon request of the Administrator,
        the Servicer will provide the Administrator with any information requested
        by
        the Administrator relating to any Receivables then being serviced by the
        Servicer.

       

      (b) (i) By
        no
        later than the fourth (4th)
        Business Day prior to each Borrowing Date, the Servicer shall prepare and
        deliver or have delivered to the Administrator, for the benefit of the Lender,
        an updated data file with respect to the Pledged Receivables and the Eligible
        Receivables to be funded on such Borrowing Date, and (ii) by no later than
        12:00
        Noon (Springfield, Missouri time) on the second (2nd) Business Day prior
        to each
        Borrowing Date, the Servicer shall prepare and deliver or have prepared and
        delivered to the Administrator, for the benefit of the Lender, a Borrowing
        Base
        Certificate which shall demonstrate that, after giving effect to the applicable
        Borrowing requested by the Borrower on such Borrowing Date, the Facility
        Amount
        will not exceed the lesser of (x) the Maximum Facility Amount and (y) the
        Borrowing Base. If such Borrowing Base Certificate indicates that a Borrowing
        Base Deficiency would exist after giving effect to the applicable Borrowing
        requested by the Borrower on such Borrowing Date, the Borrower will cure
        such
        Borrowing Base Deficiency in accordance with Section
        2.04(b)
        hereof.

       

      (c) The
        Borrower shall deliver to the Administrator all reports it receives pursuant
        to
        the PCA within one Business Day of the receipt thereof.

       

      (d) The
        Borrower and the Servicer hereby agree, jointly and severally, to provide
        the
        Administrator with written notice, promptly, and in any event within five
        (5)
        Business Days after the Borrower or the Servicer’s knowledge thereof, of any
        litigation or governmental proceeding pending or actions threatened in writing
        against the Borrower or the Servicer as to which there is a reasonable
        possibility of an adverse determination and which, if adversely determined,
        is
        likely to, individually or in the aggregate, (i) result in one or more judgments
        for payment of money in excess of (x) with respect to the Servicer, $50,000,
        or
        (y) with respect to the Borrower, $5,000, or (ii) otherwise have a Material
        Adverse Effect.

       

      SECTION
        6.09 Required
        Audits;
        Inspections.

       

      (a) Not
        more
        frequently than quarterly during the term of this Agreement, or at any time
        during the existence of a Default or an Event of Default, the Lender or its
        designee shall have the right to perform an unaudited compliance review (each,
        a
“Compliance
        Review”)
        to
        verify (i) the compliance by the Servicer with this Agreement, the Servicing
        Policies and Procedures and the Servicing Standard, (ii) the compliance by
        the
        Originator with the Underwriting Guidelines, (iii) certain characteristics
        of
        the Pledged Receivables as of each Borrowing Date (as determined by Lender
        in
        its sole discretion), (iv) the accuracy of the Notices of Borrowing, the
        Borrowing Base Certificates and the Monthly Remittance Report and Compliance
        Certificates, (v) the accuracy of the financial and accounting records of
        the
        Borrower and the Servicer, and (vi) such other matters as the Lender may
        deem
        necessary or appropriate, in its sole discretion. Each of the Borrower and
        the
        Servicer will cooperate and provide Lender and its designees with all necessary
        assistance and information in connection with each such Compliance Review.
        All
        fees and out-of-pocket expenses related to any Compliance Review shall be
        payable by the Servicer and the Borrower, jointly and severally.

       

      
        
          
          

        

        
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      (b) On
        an
        annual basis, or at such other frequency reasonably deemed appropriate by
        the
        Lender during the term of this Agreement, the Lender may, at its option,
        engage
        an independent third party auditor, acceptable to Lender in its sole discretion,
        to perform certain agreed-upon procedures (each, a “Compliance
        Audit”)
        to
        verify (i) the compliance by the Servicer with this Agreement, the Servicing
        Policies and Procedures and the Servicing Standard, (ii) the compliance by
        the
        Originator with the Underwriting Guidelines, (iii) certain characteristics
        of
        the Pledged Receivables as of each Borrowing Date (as determined by Lender
        in
        its sole discretion), (iv) the accuracy of the Notices of Borrowing, the
        Borrowing Base Certificates and the Monthly Remittance Report and Compliance
        Certificates, (v) the accuracy of the financial and accounting records of
        the
        Borrower and the Servicer, and (vi) such other matters as the Lender may
        deem
        necessary or appropriate, in its sole discretion. Each of the Borrower and
        the
        Servicer will cooperate and provide such third party auditor with all necessary
        assistance and information in connection with each such Compliance Audit.
        All
        fees and out-of-pocket expenses related to any Compliance Audit shall be
        payable
        by the Servicer and the Borrower, jointly and severally.

       

      (c) In
        connection with each Required Audit, each of Borrower and the Servicer will
        permit any authorized representatives designated by Lender to visit and inspect,
        at any reasonable time with adequate notice and without hindrance, any of
        the
        properties of the Borrower and/or the Servicer to inspect, audit, copy and
        take
        extracts from its and their financial, accounting and servicing records,
        and to
        discuss its and their affairs, finances and accounts with any Person, including,
        without limitation, employees and independent public accountants of Freedom
        Financial. Lender and such designees shall have full access to all records
        available to Borrower and the Servicer from any credit reporting service,
        bureau
        or similar service and shall have the right to examine and make copies of
        any
        such records. Lender and such designees may furnish a copy of this Agreement
        to
        such service and such service shall be entitled to rely on the provisions
        hereof
        in providing access to Lender or such designee as provided herein. If requested
        by Lender or such designee, Borrower and/or the Servicer will deliver to
        Lender
        or such designee any authorization or consent necessary for Lender or such
        designee to obtain records from any such service.

       

      (d) Subject
        to any limitations imposed by applicable law: (i) concurrently with each
        Required Audit, the Lender or the Administrator (and their respective agents
        or
        professional advisors) shall, at the expense of the Borrower, have the right
        under this Agreement, and the Borrower and the Servicer shall allow such
        Persons, to contact the Obligors with respect to any Receivables which are
        Pledged hereunder in order to procure such information related to such Obligor,
        the related Contract, and the Receivables as the Lender or Administrator
        deems
        reasonable under the circumstances; (ii) the Servicer and the Borrower
        shall cooperate with the Lender and the Administrator (and their respective
        agents or professional advisors) in connection with any attempt thereby to
        contact any such Obligor and shall provide to the Lender and the Administrator
        such information as is needed in order to facilitate such contact; and
        (iii) the Lender and the Administrator (and their respective agents and
        professional advisors) shall treat as confidential any information obtained
        during any such contact with any such Obligor which is not already publicly
        known or available; provided,
        however,
        the
        Lender or the Administrator (and their respective agents or professional
        advisors) may disclose such information if required to do so by law or by
        any
        regulatory authority.

       

      
        
          
          

        

        
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      SECTION
        6.10 Termination
        of Servicer.
        If a
        Servicer Default or an Event of Default shall occur and be continuing, then
        the
        Lender may, by notice to the Servicer and the Borrower, terminate all of
        the
        rights and obligations of the Servicer under this Agreement. On or after
        the
        receipt by the Servicer of such notice, all authority and power of the Servicer
        under this Agreement, whether with respect to the Pledged Assets or otherwise,
        shall pass to and be vested in the Administrator pursuant to and under this
        Section, and, without limitation, the Administrator is hereby authorized
        and
        empowered to execute and deliver, on behalf of the Servicer, as attorney-in-fact
        or otherwise, any and all documents and other instruments, and to do or
        accomplish all other acts or things necessary or appropriate to effect the
        purposes of such notice of termination or to perform the duties of the Servicer
        under this Agreement. The removed Servicer agrees to cooperate with the
        Administrator in effecting the termination of the removed Servicer’s
        responsibilities and rights hereunder, including, without limitation,
        notification to the Obligors and Dealers of the assignment of the servicing
        function, providing the Administrator with all records, in electronic or
        other
        form, reasonably requested by it to enable the Administrator to assume the
        servicing functions hereunder and the transfer to the Administrator for
        administration by it all cash amounts which at the time should be or should
        have
        been deposited by the removed Servicer in the Collection Account or thereafter
        be received by the Servicer with respect to the Pledged Receivables. The
        Administrator shall not be deemed to have breached any obligation hereunder
        as a
        result of a failure to make or delay in making any distribution as and when
        required hereunder caused by the failure of the Servicer to remit any amounts
        received by it or to deliver any documents held by it with respect to the
        Pledged Assets.

       

      Any
        obligations of Freedom Financial under any Transaction Document other than
        in
        its capacity as Servicer shall continue in effect notwithstanding Freedom
        Financial’s termination as Servicer under this Agreement.

       

      (a) On
        and
        after the time the existing Servicer receives a notice of termination pursuant
        to this Section 6.10,
        the
        Administrator shall be (and the Administrator hereby agrees to be) the successor
        in all respects to the Servicer in its capacity as Servicer under this Agreement
        and the transactions set forth or provided for herein and shall have all
        the
        rights and powers and be subject thereafter to all the responsibilities,
        duties
        and liabilities relating thereto placed on the Servicer by the terms and
        provisions hereof and, furthermore, the Administrator agrees to complete
        a full
        servicing transfer within thirty (30) days of its receipt of a notice of
        termination pursuant to this Section 6.10;
        provided,
        however,
        that in
        each case any failure to perform such duties or responsibilities caused by
        the
        Servicer’s failure to provide information required by this Section 6.10
        shall
        not be considered a default by the Administrator hereunder. The Administrator
        shall have (i) no liability with respect to any obligation which was
        required to be performed by the terminated Servicer prior to the date that
        the
        Administrator becomes the successor to the Servicer or any claim of a third
        party based on any alleged action or inaction of the terminated Servicer,
        (ii) no obligation to perform any repurchase or advancing obligations, if
        any, of the Servicer, (iii) no obligation to pay any taxes required to be
        paid by the Servicer (provided that the Administrator shall pay any income
        taxes
        for which it is liable), (iv) no obligation to pay any of the fees and
        expenses of any other party to the transactions contemplated hereby, and
        (v) no liability or obligation with respect to any Servicer indemnification
        obligations of any prior Servicer including the original Servicer. The
        indemnification obligations of the Administrator, upon becoming a successor
        Servicer, are expressly limited to those arising on account of its material
        breach of this Agreement or gross negligence or willful misconduct in its
        performance of its duties under this Agreement. In addition, the Administrator
        shall have no liability relating to the representations and warranties of
        the
        previous Servicer contained in Article IV
        or
Schedule V
        (but the
        Administrator shall be liable for the representations and warranties made
        by it
        in its capacity as a Successor Servicer in Article IV).
        Notwithstanding the above, the Administrator may appoint any established
        servicing institution acceptable to the Lender as the successor to the Servicer
        hereunder in the assumption of all or any part of the responsibilities, duties
        or liabilities of the Servicer hereunder. Pending appointment of a successor
        to
        the Servicer hereunder, and after the Administrator notifies the Servicer
        to
        discontinue performing servicing functions under this Agreement, the
        Administrator shall act in such capacity as hereinabove provided. The Borrower,
        the Administrator and such successor shall take such action, consistent with
        this Agreement, as shall be necessary to effectuate any such succession.
        

       

      
        
          
          

        

        
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      SECTION
        6.11 Certain
        Duties of the Administrator

       

      Prior
        to
        each Settlement Date, but in no event fewer than five Business Days after
        receiving the information required to make such comparison, the Administrator
        shall compare the information in electronic format most recently provided
        to the
        Administrator by the Servicer pursuant to Section 6.08(a)(iii)
        to the
        Monthly Remittance Report and Compliance Certificate most recently delivered
        to
        the Administrator by the Servicer pursuant to Section 6.08(a)(i)
        and
        shall:

       

      (a) confirm
        that such Monthly Remittance Report and Compliance Certificate is complete
        on
        its face;

       

      (b) confirm
        the Settlement Date distributions to be made on the next Settlement Date
        pursuant to Section 2.04(a)
        hereof
        to the extent the Administrator is able to do so given the information provided
        to it by the Servicer; and

       

      (c) verify
        the mathematical accuracy, to the extent the Administrator is able to do
        so
        given the information provided to it by the Servicer, of the each of the
        fields
        on each Monthly Remittance Report and Compliance Certificate.

       

      In
        the
        event of any discrepancy between the information set forth in
        subparagraphs (b) or (c) above as calculated by the Servicer from that
        determined or calculated by the Administrator, the Administrator shall promptly
        report such discrepancy to the Servicer and the Lender. In the event of a
        discrepancy as described in the preceding sentence, the Servicer and the
        Administrator shall reconcile such discrepancies prior to the related Settlement
        Date, but in the absence of a reconciliation, distributions on the related
        Settlement Date shall be made consistent with the information calculated
        by the
        Servicer, and the Servicer and the Administrator shall reconcile such
        discrepancies prior to the next Settlement Date. The effect, if any, of such
        reconciliation shall be reflected in the Monthly Remittance Report and
        Compliance Certificate for the next succeeding Settlement Date or the next
        Borrowing Base Certificate required to be delivered by the Servicer to the
        Administrator pursuant to this Agreement, as applicable. 

       

      
        
          
          

        

        
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      SECTION
        6.12 Additional
        Remedies of Administrator Upon Event of Default.
        During
        the continuance of any Event of Default, the Administrator, in addition to
        the
        rights specified in Section 7.01,
        shall
        have the right, in its own name and as agent for the Lender, to take all
        actions
        now or hereafter existing at law, in equity or by statute to enforce its
        rights
        and remedies and to protect the interests, and enforce the rights and remedies,
        of the Lender (including the institution and prosecution of all judicial,
        administrative and other proceedings and the filings of proofs of claim and
        debt
        in connection therewith). Except as otherwise expressly provided in this
        Agreement, no remedy provided for by this Agreement shall be exclusive of
        any
        other remedy, and each and every remedy shall be cumulative and in addition
        to
        any other remedy, and no delay or omission to exercise any right or remedy
        shall
        impair any such right or remedy or shall be deemed to be a waiver of any
        Event
        of Default.

       

      SECTION
        6.13 Waiver
        of Defaults.
        Upon
        consent of the Lender, the Administrator may waive any default by the Servicer
        in the performance of its obligations hereunder and its consequences. Upon
        any
        such waiver of a past default, such default shall cease to exist, and any
        Event
        of Default and/or Funding Termination Event arising therefrom shall be deemed
        to
        have been remedied for every purpose of this Agreement. No such waiver shall
        be
        effective unless it shall be in writing and signed by the Administrator on
        the
        Lender’s behalf and no such waiver shall extend to any subsequent or other
        default or impair any right consequent thereon except to the extent expressly
        so
        waived.

       

      SECTION
        6.14 Maintenance
        of Certain Insurance.
        During
        the term of its service as Servicer, the Servicer shall maintain commercial
        liability insurance with coverage limits of not less than $2,000,000 and
        fidelity bonds with coverage amounts not less than $25,000, which would cover
        any loss of Collections by the Servicer hereunder caused by employee misconduct,
        and with an insurance company reasonably acceptable to the Lender and the
        Administrator. The Servicer shall prepare and present, on behalf of itself,
        the
        Administrator and the Lender, claims under any such insurance policies or
        fidelity bonds in a timely fashion in accordance with the terms of such policy,
        and upon the filing of any claim on any policy described in this Section,
        the
        Servicer shall promptly notify the Administrator of such claim.

       

      SECTION
        6.15 Custody
        of
        Receivable Files.
        Not
        less than four (4) Business Days prior to each Borrowing Date, the Borrower
        shall cause to be delivered to the Custodian the Receivable Files for the
        Pledged Receivables to be pledged on such Borrowing Date. The Custodian declares
        that it will hold and will continue to hold such Receivable Files and any
        amendments, replacements or supplements thereto and all Other Conveyed Property
        as custodian, agent and bailee in trust for the use and benefit of the
        Administrator and the Lender. The Custodian shall, after receipt of such
        files
        and on or prior to the applicable Borrowing Date, execute and deliver to
        the
        Administrator and the Lender, a receipt substantially in the form of
Exhibit
        C
        hereto
        (a “Collateral
        Receipt”)
        for
        the Receivable Files received by the Custodian. By its delivery of a Collateral
        Receipt, the Custodian shall be deemed to have (i) acknowledged receipt of
        the files (or the Pledged Receivables) that the Borrower has represented
        are and
        contain the Receivable Files for the Pledged Receivables to be pledged by
        the
        Borrower on the related Borrowing Date as indicated on Schedule A to the
        Notice of Borrowing, (ii) reviewed such files or Receivables and (iii)
        determined that it has received the items referred to in clauses (a)
        and
(b)
        of the
        definition of “Receivable File” for each Receivable identified on the related
        Interim Receivables Schedule, except, in each case, as may otherwise be noted
        in
        Schedule I to the Collateral Receipt. Unless such defect noted on Schedule
        I of
        the related Collateral Receipt with respect to such Receivable to be pledged
        on
        the related Borrowing Date shall have been cured by the Borrower or waived
        by
        the Administrator, in its sole discretion, such Receivable shall not be pledged
        to the Agent hereunder as of such Borrowing Date. The Custodian shall return
        to,
        or otherwise handle at the direction of, the Borrower those files relating
        to
        any Receivable not so pledged on such Borrowing Date and any file unrelated
        to a
        Receivable identified in the related Interim Receivables Schedule (it being
        understood that the Custodian’s obligation to review the contents of any
        Receivable File shall be limited as set forth in the preceding sentence).
        The
        Custodian shall also return to, or otherwise handle at the direction of,
        the
        Borrower any Receivable Files related to Pledged Receivables that are released
        from the Lien of this Agreement in accordance with Section
        2.11
        hereof.

       

      
        
          
          

        

        
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      (b) The
        Custodian shall maintain or cause to be maintained continuous custody of
        the
        Receivable Files in secure and fire resistant facilities in accordance with
        customary standards for such custody.

       

      (c) The
        Custodian shall maintain commercial liability insurance with coverage amounts
        that are customary for entities acting as a trustee of funds and documents
        in
        respect of consumer contracts on behalf of institutional investors.

       

      (d) Upon
        payment in full of any Pledged Receivable, the Servicer will notify the
        Custodian pursuant to the certificate of a duly authorized Servicing Officer
        countersigned by the Administrator in the form of Exhibit
        D
        hereto
        (a “Release
        Request”)
        and
        shall direct the Custodian to deliver the related Receivable File to the
        Servicer or its designee.

       

      (e) As
        compensation for its services hereunder, the Custodian shall be entitled
        to the
        Custodial Fees, which shall be paid out of Collections as set forth in
Section 2.04(a).
        

       

      SECTION
        6.16 Access
        to Receivable Files. The
        Custodian shall permit the Servicer and the Administrator access to the
        Receivable Files at all reasonable times during the Custodian’s normal business
        hours. The Custodian shall, within two (2) Business Days of the request of
        the
        Servicer or the Administrator, execute such documents and instruments as
        are
        prepared by the Servicer or the Administrator and delivered to the Custodian
        as
        the Servicer or the Administrator deems necessary to permit the Servicer,
        in
        accordance with the Servicing Standard, to enforce the Pledged Receivables
        on
        behalf of Borrower and any related Insurance Policies covering the Obligor,
        the
        Pledged Receivables or Financed Vehicles so long as such execution in the
        Custodian’s sole discretion will not cause it undue risk or liability. The
        Custodian shall not be obligated to release any document from any Receivable
        File unless it receives a Release Request signed by a Servicing Officer and
        countersigned by the Administrator. Such Release Request shall obligate the
        Servicer to return such document(s) to the Custodian when the need therefor
        no
        longer exists unless the related Pledged Receivable shall be liquidated,
        in
        which case, the Servicer shall certify in the Release Request that all amounts
        required to be deposited in the Collection Account with respect to such
        Receivable have been or will upon receipt be so deposited.

       

      
        
          
          

        

        
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      SECTION
        6.17 Receipt
        of Lien Certificates.
        The
        Custodian shall make a list of Pledged Receivables for which an application
        for
        a Lien Certificate but not an original Lien Certificate is included in the
        Receivable File as of the date of its review of the Receivable Files and
        deliver
        a copy of such list to the Servicer and the Administrator. For those Receivable
        Files that do no contain an original Lien Certificate, upon receipt of such
        original Lien Certificate, the Borrower shall promptly deliver or cause to
        be
        delivered to the Custodian such original Lien Certificate to the Custodian
        to
        place in the applicable Receivable File. Any Pledged Receivable for which
        the
        Servicer shall not have (i) received a Lien Certificate showing Freedom
        Financial as first lienholder with respect to the related Financed Vehicle
        from
        the applicable Registrar of Titles and (ii) delivered such Lien Certificate
        to the Custodian within 120 days of the Borrowing Date related to such
        Pledged Receivable, shall be deemed to be an Ineligible Receivable. In the
        case
        of any Receivable excluded from the calculation of the Eligible Receivables
        Balance pursuant to the previous sentence, the Receivable so excluded from
        the
        calculation of the Eligible Receivables Balance may at a later time be included
        in the calculation of the Eligible Receivables Balance, provided,
        that
        (i) the Custodian shall have received a Lien Certificate showing Freedom
        Financial as secured party with respect to the related Financed Vehicle from
        the
        applicable Registrar of Titles and delivered such Lien Certificate to the
        Custodian and (ii) such Receivable is otherwise an Eligible Receivable at
        such time.

       

      SECTION
        6.18 Purchase
        of Receivables Upon Breach of Covenant or Representation and Warranty by
        Servicer.

       

      (a) The
        Borrower or the Servicer, as the case may be, shall inform the other parties
        to
        this Agreement promptly, and in any event, within one Business Day, in writing,
        upon the discovery of any breach of the Servicer’s representations, warranties
        and/or covenants pursuant to Section 6.05
        or
Article V;
        provided,
        however,
        that
        the failure to provide any such notice shall not diminish, in any manner
        whatsoever, any obligation of the Servicer hereunder to purchase any Pledged
        Receivable. Unless such breach shall have been cured by the last day of the
        first full calendar month following the discovery by or notice to the Servicer
        of such breach, the Servicer shall have an obligation, and the Borrower shall
        and the Administrator may, enforce such obligation of the Servicer, to purchase
        any Pledged Receivable materially and adversely affected by such breach.
        Pursuant to such purchase, the Servicer shall provide the Administrator with
        written notice of such purchase, specifying (x) the Pledged Receivables to
        be
        purchased, (y) the reason for such purchase, and (z) the Release Price to
        be
        paid pursuant to such release. The Borrower shall notify the Administrator
        promptly, in writing, of any failure by the Servicer to so purchase any such
        Pledged Receivable. In consideration of the purchase of such Pledged Receivable,
        the Servicer shall remit funds in an amount equal to the Release Price for
        such
        Pledged Receivable to the Collection Account on the date of such purchase.
        Upon
        deposit of the Release Price in the Collection Account with respect to such
        Pledged Receivables, and the Administrator’s written confirmation of the
        effectiveness of such purchase, which confirmation shall not be unreasonably
        withheld, the lien and security interest of the Administrator in such Pledged
        Receivables shall be released.

       

      
        
          
          

        

        
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      (b) In
        addition to the foregoing and notwithstanding whether any Pledged Receivable
        shall have been purchased by the Servicer pursuant to Section 6.18(a),
        the
        Servicer hereby indemnifies the Borrower, the Administrator and the Lender
        against all costs, expenses, losses, damages, claims and liabilities, including
        reasonable fees and expenses of counsel, which may be asserted against or
        incurred by any of them in connection with any of the events or facts giving
        rise to a breach of the Servicer’s representations, warranties and/or covenants
        set forth in Section 6.05
        or
Article V.

       

      SECTION
        6.19 Servicer
        Not To Resign.
        Notwithstanding any other provision of this Agreement, no Person may resign
        as
        Servicer, except upon (a) a determination that by reason of a change in legal
        requirements the performance of its duties under this Agreement would cause
        it
        to be in violation of such legal requirements in a manner which would result
        in
        a material adverse effect on the Servicer, and the Administrator does not
        (i)
        elect in its absolute discretion to waive the obligations of the Servicer
        to
        perform the duties that render it legally unable to act or (ii) allow in
        its
        absolute discretion the Servicer to delegate those duties to another Person
        or
        (b) in the case of a resignation of a Person other than Freedom Financial
        as
        Servicer, not less than 90 days’ prior written notice to the Administrator, the
        Borrower and the Lender. Any determination permitting the resignation of
        the
        Servicer pursuant to clause (a) above shall be evidenced by an Opinion of
        Counsel as to the legal requirements that would be violated, delivered to
        Administrator, the Borrower and the Lender. No resignation of the Servicer
        shall
        relieve the Servicer of any liability to which it has previously become subject
        under this Agreement or any Transaction Document. 

       

      SECTION
        6.20 Statements
        as to Compliance; Financial Statements.

       

      (a) The
        Servicer shall deliver to the Administrator and the Lender on or before
        January 31 of each year, beginning with January 31, 2009, an Officer’s
        Certificate stating that (x) a review of the activities of the Servicer
        during the preceding calendar year (or the portion thereof commencing on
        the
        date of this Agreement, in the case of the calendar year ending
        December 31, 2008) and of its performance under this Agreement has been
        made under such officer’s supervision, and (y) to the best of such
        officers’ knowledge, based on such review, the Servicer has fulfilled all of its
        obligations under this Agreement throughout such calendar year (or portion
        thereof, as the case may be) in all material respects or, if there has been
        a
        default in the fulfillment of any such obligation, specifying each such default
        known to such officer and the nature and status thereof and the action being
        taken to cure such default.

       

      (b) As
        soon
        as available and no later than thirty (30) days after the end of each
        calendar month (including the month in which the Closing Date occurs), Freedom
        Financial shall deliver to the Lender and the Administrator two copies of
        a
        consolidated balance sheet of Freedom Financial and its consolidated
        subsidiaries as of the end of such calendar month and consolidated statements
        of
        income, stockholders’ equity and cash flow of Freedom Financial and its
        consolidated subsidiaries (including, without limitation, the Borrower) for
        such
        calendar month and for the portion of the fiscal year of Freedom Financial
        ending with such calendar month and setting forth in comparative form the
        corresponding figures for the comparable period one year prior thereto (subject
        to normal year-end adjustments), which balance sheet and statements shall
        be
        prepared and presented in accordance with, and provide all necessary disclosure
        required by, GAAP and shall be accompanied by a certificate signed by the
        financial vice president, treasurer, chief financial officer or controller
        of
        Freedom Financial stating that such balance sheet and financial statements
        present fairly the financial condition and results of operations of the
        companies being reported upon and have been prepared in accordance with GAAP
        consistently applied.

       

      
        
          
          

        

        
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      (c) As
        soon
        as available and no later than forty-five (45) days after the end of each
        calendar quarter in each fiscal year of Freedom Financial, Freedom Financial
        shall deliver to the Lender and the Administrator two copies of a consolidated
        balance sheet of Freedom Financial and its consolidated subsidiaries as of
        the
        end of such calendar quarter and consolidated statements of income,
        stockholders’ equity and cash flow of Freedom Financial and its consolidated
        subsidiaries (including, without limitation, the Borrower) for such calendar
        quarter and for the portion of the fiscal year ending with such calendar
        quarter
        and setting forth in comparative form the corresponding figures for the
        comparable period one year prior thereto (subject to normal year-end
        adjustments), which balance sheet and statements shall be prepared and presented
        in accordance with, and provide all necessary disclosure required by, GAAP
        and
        shall be accompanied by a certificate signed by the financial vice president,
        treasurer, chief financial officer or controller of Freedom Financial stating
        that such balance sheet and financial statements present fairly the financial
        condition and results of operations of the companies being reported upon
        and
        have been prepared in accordance with GAAP consistently applied.

       

      (d) As
        soon
        as available and no later than one hundred twenty (120) days after the end
        of
        each fiscal year of Freedom Financial, Freedom Financial shall deliver to
        the
        Lender and the Administrator two copies of a consolidated balance sheet of
        Freedom Financial and its consolidated subsidiaries (including, without
        limitation, the Borrower), all as of the end of such fiscal year and
        consolidated statements of income, stockholders’ equity and cash flow of Freedom
        Financial and its consolidated subsidiaries (including, without limitation,
        the
        Borrower), for such fiscal year, in each case setting forth in comparative
        form
        the figures for the previous fiscal year and accompanied by an opinion (which
        opinion shall be unqualified as to going concern and scope of audit) of Weaver
        & Martin, CPA, or another firm of independent certified public accountants
        acceptable to the Administrator, in its sole discretion, stating that such
        balance sheets and financial statements present fairly the financial condition
        of the companies being reported upon and have been prepared in accordance
        with
        GAAP consistently applied (except for changes in application in which such
        accountants concur). 

       

      SECTION
        6.21 Appointment
        of Subservicers.

       

      (a) With
        the
        prior written consent of the Administrator and the Lender, which consent
        may be
        withheld by the Administrator and/or the Lender in their sole discretion,
        the
        Servicer may arrange for the subservicing of any Pledged Receivable by a
        subservicer pursuant to a subservicing agreement; provided, however, that
        such
        subservicing arrangement and the terms of the related subservicing agreement
        must provide for the servicing of such Receivable in a manner consistent
        with
        the servicing arrangements contemplated hereunder. Unless the context otherwise
        requires, references in this Agreement to actions taken or to be taken by
        the
        Servicer in servicing the Pledged Receivables include actions taken or to
        be
        taken by a subservicer on behalf of the Servicer. Notwithstanding the provisions
        of any subservicing agreement, any of the provisions of this Agreement relating
        to agreements or arrangements between the Servicer and a subservicer or
        reference to actions taken through a subservicer or otherwise, the Servicer
        shall remain obligated and liable to the Administrator and the Lender for
        the
        servicing and administration of the Pledged Receivables in accordance with
        the
        provisions of this Agreement without diminution of such obligation or liability
        by virtue of such subservicing agreements or arrangements or by virtue of
        indemnification from the subservicer and to the same extent and under the
        same
        terms and conditions as if the Servicer alone were servicing and administering
        the Pledged Receivables. All actions of each subservicer performed pursuant
        to
        the related subservicing agreement shall be performed as an agent of the
        Servicer with the same force and effect as if performed directly by the
        Servicer.

       

      
        
          
          

        

        
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      (b) For
        purposes of this Agreement, the Servicer shall be deemed to have received
        any
        collections, recoveries or payments with respect to the Pledged Receivables
        that
        are received by a subservicer regardless of whether such payments are remitted
        by such subservicer to the Servicer.

       

      ARTICLE
        VII.

      EVENTS
        OF DEFAULT

       

      SECTION
        7.01 Events
        of Default.
        If any
        of the following events (each, an “Event
        of Default”)
        shall
        occur:

       

      (a) The
        Borrower or Freedom Financial (whether in its capacity as Servicer or otherwise)
        shall fail to make any payment or deposit to be made by it hereunder or under
        any other Transaction Document when due, whether at the Facility Maturity
        Date,
        by acceleration or otherwise, and such failure shall remain unremedied for
        more
        than one (1) Business Day; or

       

      (b) the
        occurrence of a Bankruptcy Event with respect to Freedom Financial, the Servicer
        (if not Freedom Financial) or the Borrower; or

       

      (c) the
        occurrence and continuance of a Borrowing Base Deficiency that remains
        unremedied for more than one (1) Business Day; or

       

      (d) (i)
        the
        Administrator, for the benefit of the Lender, shall at any time fail to have
        a
        valid perfected first priority security interest in any of the Pledged Assets
        or
        (ii) any purchase by or contribution to the Borrower of a Receivable under
        the PCA shall, for any reason, cease to create in favor of the Borrower a
        perfected ownership interest in such Receivable and the Other Conveyed Property
        with respect thereto; or

       

      (e) a
        declaration and/or occurrence of an event of default under any Debt (other
        than
        the Debt evidenced by the Transaction Documents) of Freedom Financial or
        the
        Servicer (if not Freedom Financial) in excess of $100,000; or

       

      
        
          
          

        

        
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      (f) the
        occurrence and continuance beyond the applicable cure period, if any, of
        an
        event of default under any agreement pursuant to which Freedom Financial
        or the
        Borrower has sold automobile receivables to the Lender or its Affiliates;
        or

       

      (g) any
        representation, warranty, certification or other statement made or deemed
        made
        by Borrower or Freedom Financial (whether in its capacity as Servicer or
        otherwise) in any Transaction Document or in any statement or certificate
        at any
        time given by Borrower or Freedom Financial in writing pursuant hereto or
        thereto or in connection herewith or therewith shall be false in any material
        respect when made or deemed made; or

       

      (h) Borrower
        or Freedom Financial (whether in its capacity as Servicer or otherwise) shall
        default in the performance of or compliance with any term contained herein
        or
        any of the other Transaction Documents, other than any such term referred
        to in
        any other Section of this Section
        7.01
        and such
        default shall continue unremedied for more than five (5) Business Days;
        or

       

      (i) the
        Facility Amount is greater than zero on the last day of the Remittance Period
        following the Termination Date; or

       

      (j) any
        litigation, claim, counterclaim or governmental proceeding is brought against
        Freedom Financial, the Servicer (if not Freedom Financial) or the Borrower
        which
        has a Material Adverse Effect; or 

       

      (k) the
        occurrence of a Servicer Default; or

       

      (l) the
        occurrence of an exception to the Required Audits which may have a Material
        Adverse Effect, in the reasonable opinion of the Lender; or

       

      (m) the
        occurrence of a Change of Control with respect to Freedom Financial, the
        Servicer (if not Freedom Financial) or the Borrower without the prior written
        consent of the Administrator; or 

       

      (n) the
        occurrence and continuation beyond the applicable cure period, if any, of
        a
        default in the payment of any amount due in relation to any other Debt of
        Freedom Financial or the Servicer (if not Freedom Financial) $50,000,
        which default allows for acceleration of payment of such Debt; or

       

      (o) one
        or
        more judgments for the payment of money in an aggregate amount in excess
        of
        $50,000 (except to the extent covered by insurance as to which the insurer
        has
        acknowledged such coverage in writing) shall be rendered against Freedom
        Financial or any of its Affiliates or any combination thereof, and the same
        shall remain undischarged for a period of thirty (30) consecutive days during
        which execution shall not be effectively stayed, or any action shall be taken
        by
        a judgment creditor to attach or levy upon any assets of Freedom Financial
        or
        the Borrower or any of Freedom Financial’s other Affiliates to enforce any such
        judgment; or

       

      (p) Borrower
        or Freedom Financial or any of their respective Affiliates shall have suffered
        any adverse change to its business operations, properties, assets, condition
        (financial or otherwise) or prospects or there shall have occurred any other
        event which could reasonably be expected to have a Material Adverse Effect
        on
        the enforceability, marketability or collectability of the Pledged Receivables
        or Borrower’s or Freedom Financial’s (whether in its capacity as Servicer or
        otherwise) ability to conduct its business or perform its obligations under
        this
        Agreement or any other Transaction Document, in each case as determined by
        the
        Administrator or the Lender in its sole reasonable discretion; or

       

      
        
          
          

        

        
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      (q) the
        PCA
        shall cease to be in full force and effect;

       

      then
        (i)
        the Administrator shall, but only upon the direction of the Lender, by notice
        then given in writing to Freedom Financial, the Servicer (if not Freedom
        Financial) and the Borrower, declare the Advances made to the Borrower hereunder
        together with all interest accrued thereon and all Facility Fees and any
        other
        Obligations to be immediately due and payable (and the Borrower shall pay
        such
        Advances and all such amounts and Obligations immediately, which payments
        shall
        be deemed Collections and allocated in the order of priority set forth in
        Section
        2.04(a));
        (ii)
        the Note Rate shall increase to the Default Funding Rate; (iii) the
        Administrator shall, upon the direction of the Lender, by notice then given
        in
        writing to the Servicer pursuant to Section
        6.10,
        terminate all (but not less than all) of the rights and obligations of the
        Servicer under the Transaction Documents and in and to the Pledged Receivables
        and proceeds thereof (“Servicer
        Termination”);
        (iv)
        the Administrator shall, as promptly as possible, after giving such notice
        of
        Servicer Termination, assume the Servicer’s rights, authority, power and
        obligations under this Agreement and the other Transaction Documents, unless
        the
        Lender, in its sole and absolute discretion, appoints another Successor
        Servicer; (v) at the option of the Lender in its sole discretion, the
        Administrator, on behalf of the Lender, may direct the Obligors to make all
        payments under the Pledged Receivables directly to the Administrator, the
        Lender
        or any lockbox or account established by any of such parties; and (vi) the
        Borrower shall cease purchasing Receivables from Freedom Financial under
        the
        PCA. In addition, upon any such declaration or upon any such automatic
        occurrence, the Administrator shall have, in addition to all other rights
        and
        remedies under this Agreement or otherwise, all other rights and remedies
        provided under the UCC of the applicable jurisdiction and other applicable
        laws,
        including without limitation the right to foreclose on the Pledged Assets,
        which
        rights shall be cumulative.

       

      SECTION
        7.02 Additional
        Remedies of Administrator.

       

      (a) If,
        upon
        the Lender’s declaration that the Advances made to the Borrower hereunder are
        immediately due and payable pursuant to Section 7.01
        or on
        the Facility Maturity Date, the aggregate Outstanding Advances, all accrued
        Facility Fees and interest and any other Obligations are not immediately
        paid in
        full, then the Administrator, at the direction of the Lender, in addition
        to all
        other rights specified hereunder, shall have the right, in its own name and
        as
        agent for the Lender, to immediately sell in a commercially reasonable manner,
        in a recognized market (if one exists) at such price or prices as the
        Administrator may reasonably deem satisfactory, any or all Pledged Assets
        and
        apply the proceeds thereof to the Obligations.

       

      (b) The
        parties recognize that it may not be possible to sell any or all of the Pledged
        Assets on a particular Business Day, or in a transaction with the same
        purchaser, or in the same manner because the market for such Pledged Assets
        may
        not be liquid. Accordingly, the parties agree that the Administrator may,
        with
        the consent of the Lender, direct the time and manner of liquidating any
        Pledged
        Assets and nothing contained herein shall obligate the Administrator to
        liquidate any Pledged Assets on the occurrence of the Termination Date (or
        the
        date the Lender declares the Advances made to the Borrower hereunder to be
        immediately due and payable pursuant to Section 7.01)
        or to
        liquidate all Pledged Assets in the same manner or on the same Business
        Day.

       

      
        
          
          

        

        
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      (c) Any
        amounts received from any sale or liquidation of the Pledged Assets pursuant
        to
        this Section 7.02
        in
        excess of the Obligations will be returned to the Borrower, its successors
        or
        assigns, or to whosoever may be lawfully entitled to receive the same or
        as a
        court of competent jurisdiction may otherwise direct.

       

      (d) The
        Administrator and the Lender shall have, in addition to all the rights and
        remedies provided herein and provided by applicable federal, state, foreign,
        and
        local laws (including, without limitation, the rights and remedies of a secured
        party under the Uniform Commercial Code of any applicable state, to the extent
        that the Uniform Commercial Code is applicable, and the right to offset any
        mutual debt and claim), all rights and remedies available to the lenders
        in law,
        in equity, or under any other agreement between the Lender and the
        Borrower.

       

      (e) Except
        as
        otherwise expressly provided in this Agreement, no remedy provided for by
        this
        Agreement shall be exclusive of any other remedy, and each and every remedy
        shall be cumulative and in addition to any other remedy, and no delay or
        omission to exercise any right or remedy shall impair any such right or remedy
        or shall be deemed to be a waiver of any Funding Termination Event or Event
        of
        Default.

       

      ARTICLE
        VIII.

      INDEMNIFICATION;
        SETOFF

       

      SECTION
        8.01 Joint
        and Several Indemnities by the Borrower and Freedom Financial.
        

       

      (a) In
        addition to the payment of expenses pursuant to Section
        9.07,
        whether
        or not the transactions contemplated hereby shall be consummated, and without
        limiting any other rights that the Administrator, the Lender or any of their
        respective Affiliates may have hereunder or under applicable law, each of
        the
        Borrower and Freedom Financial hereby jointly and severally agrees to indemnify,
        pay and hold harmless the Administrator, the Lender, the Custodian and each
        of
        their respective Affiliates, officers, employees, directors, partners, members,
        managers and agents (each an “Indemnified
        Party”
for
        purposes of this Article VIII)
        from
        and against any and all damages, losses, claims, liabilities and related
        costs
        and expenses, including reasonable attorneys’ fees and disbursements (all of the
        foregoing being collectively referred to as “Indemnified
        Amounts”)
        awarded against or incurred by any of them arising out of or as a result
        of the
        transactions contemplated by this Agreement and the other Transaction Documents
        or in respect of any Pledged Assets in all cases, whether or not caused by
        or
        arising, in whole or part, out of comparative, contributory or sole negligence
        of such Indemnified Party, excluding, however, Indemnified Amounts to the
        extent
        such Indemnified Amounts arise from gross negligence or willful misconduct
        on
        the part of the Indemnified Party. Any amounts subject to the indemnification
        provisions of this Section 8.01
        shall be
        paid by the Borrower to the Indemnified Party within two (2) Business Days
        following the Indemnified Party’s written demand therefor. To the extent that
        the undertakings to defend, indemnify, pay and hold harmless set forth in
        this
Section
        8.01
        may be
        unenforceable in whole or in part because they are violative of any law or
        public policy, the Borrower and Freedom Financial shall jointly and severally
        contribute the maximum portion that it is permitted to pay and satisfy under
        applicable law to the payment and satisfaction of all Indemnified Amounts
        incurred by the Indemnified Parties or any of them.

       

      
        
          
          

        

        
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      (b) Each
        applicable Indemnified Party shall deliver to the indemnifying party under
        this
Section 8.01,
        within
        a reasonable time after such Indemnified Party’s receipt thereof, copies of all
        notices and documents (including court papers) received by such Indemnified
        Party relating to the claim giving rise to the Indemnified Amounts. Each
        such
        Indemnified Party will cooperate with the Borrower and Freedom Financial
        in
        connection with any claim giving rise to the Indemnified Amounts to minimize
        the
        liability of such indemnifying parties, provided that nothing contained herein
        shall obligate any such Indemnified Party to take any action which, in the
        opinion of such Indemnified Party, is unlawful or otherwise disadvantageous
        to
        such Indemnified Party.

       

      (c) To
        the
        extent permitted by applicable law, neither Borrower nor Freedom Financial
        shall
        assert, and each of Borrower and Freedom Financial hereby waives, any claim
        against Lender, Administrator, Custodian and their respective Affiliates,
        directors, employees, attorneys or agents, on any theory of liability, for
        special, indirect, consequential or punitive damages (as opposed to direct
        or
        actual damages) (whether or not the claim therefor is based on contract,
        tort or
        duty imposed by any applicable legal requirement) arising out of, in connection
        with, as a result of, or in any way related to, this Agreement or any other
        Transaction Document or any agreement or instrument contemplated hereby or
        thereby or referred to herein or therein, the transactions contemplated hereby
        or thereby, any Advance or the use of the proceeds thereof or any act or
        omission or event occurring in connection therewith, and each of Borrower
        and
        Freedom Financial hereby waives, releases and agrees not to sue upon any
        such
        claim or any such damages, whether or not accrued and whether or not known
        or
        suspected to exist in its favor.

       

      SECTION
        8.02 Right
        of Setoff.
        In
        addition to any rights now or hereafter granted under applicable law and
        not by
        way of limitation of any such rights, upon the occurrence of any Event or
        Default or a Funding Termination Event, each of the Administrator and the
        Lender
        is hereby authorized at any time after the occurrence and during the continuance
        of a Funding Termination Event to set-off, appropriate and apply (without
        presentment, demand, protest or other notice, each of which is hereby expressly
        waived by the Borrower and Freedom Financial) any deposits and any other
        Debt
        held or owing by the Administrator or the Lender to, or for the account of,
        the
        Borrower, the Initial Servicer or Freedom Financial against any amount owing
        by
        the Borrower, the Initial Servicer or Freedom Financial, as the case may
        be, to
        the Administrator, the Lender, or the Administrator on behalf of such Person
        (even if contingent or unmatured), as applicable.

       

      
        
          
          

        

        
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      ARTICLE
        IX.

      MISCELLANEOUS

       

      SECTION
        9.01 Amendments
        and Waivers.

       

      (a) Except
        as
        provided in Section 9.01(b),
        no
        amendment or modification of any provision of this Agreement shall be effective
        without the written agreement of the Borrower, Freedom Financial, the
        Administrator and the Lender, and no termination or waiver of any provision
        of
        this Agreement or consent to any departure therefrom by the Borrower, Freedom
        Financial or the Servicer shall be effective without the written concurrence
        of
        the Administrator and the Lender. Any waiver or consent shall be effective
        only
        in the specific instance and for the specific purpose for which
        given.

       

      (b) In
        addition to the consents required by Section 9.01(a),
        in the
        event that there is more than one Lender, the written consent of Lenders
        holding
        not less than a majority of the Commitment Percentages shall be required
        for any
        amendment, modification or waiver (i) reducing any outstanding Advances, or
        the Note Rate thereon, (ii) postponing any date for any payment of any
        Advance, or the Note Rate thereon, or (iii) modifying the provisions of
        this Section 9.01,
        or
        (iv) increasing the Borrowing Base or the Maximum Facility
        Amount.

       

      (c) No
        amendment, waiver or modification of any provision of this Agreement that
        affects the Servicer or the Custodian shall be effective without the written
        agreement of the Servicer and/or the Custodian, as applicable. Any waiver
        or
        consent shall be effective only in the specific instance and for the specific
        purpose for which given.

       

      SECTION
        9.02 Notices,
        Etc.
        All
        notices and other communications provided for hereunder shall, unless otherwise
        stated herein, be in writing (including telex communication and communication
        by
        facsimile copy) and mailed, telexed, transmitted or delivered, as to each
        party
        hereto, at its address set forth under its name on the signature pages hereof
        or
        specified in such party’s Assignment and Acceptance or at such other address as
        shall be designated by such party in a written notice to the other parties
        hereto. 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 mails, first class postage prepaid, or (ii) notice by
        facsimile copy, when verbal communication of receipt is obtained, except
        that
        notices and communications pursuant to Article II shall not be effective
        until received.

       

      SECTION
        9.03 No
        Waiver; Remedies.
        No
        failure on the part of the Administrator or the Lender to exercise, and no
        delay
        in exercising, any right hereunder shall operate as a waiver thereof; nor
        shall
        any single or partial exercise of any right hereunder preclude any other
        or
        further exercise thereof or the exercise of any other right. The remedies
        herein
        provided are cumulative and not exclusive of any remedies provided by
        law.

      
         

        
          
            
            

          

          
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      SECTION
        9.04 Binding
        Effect; Assignability; Multiple Lenders.

       

      (a) This
        Agreement shall be binding upon and inure to the benefit of the Borrower,
        Freedom Financial, the Servicer, the Administrator, the Custodian, the Lender
        and their respective successors and permitted assigns. This Agreement and
        the
        Lender’s rights and obligations hereunder and interest herein shall be
        assignable in whole or in part by the Lender and its successors and assigns
        without the consent of the Borrower or any other party hereto other than
        the
        Administrator, which consent shall not unreasonably be withheld, delayed
        or
        conditioned. The Lender may sell participations in all or a portion of its
        rights and obligations under this Agreement without the consent of the Borrower.
        None of the Borrower, the Servicer, Freedom Financial, the Administrator
        or the
        Custodian may assign any of its rights and obligations hereunder or any interest
        herein without the prior written consent of the Lender. The parties to each
        assignment or participation made pursuant to this Section 9.04
        shall
        execute and deliver to the Administrator for its acceptance and recording
        in its
        books and records, an assignment and acceptance agreement (an “Assignment
        and Acceptance”)
        or a
        participation agreement or other transfer instrument reasonably satisfactory
        in
        form and substance to the Administrator (in the case of an Assignment and
        Acceptance) and the Borrower. Each such assignment or participation shall
        be
        effective as of the date specified in the applicable Assignment and Acceptance
        or other agreement or instrument only after the execution, delivery, acceptance
        and recording as described in the preceding sentence. The Administrator shall
        notify the Borrower of any assignment thereof made pursuant to this Section 9.04.
        The
        Lender may, in connection with any assignment or participation or any proposed
        assignment or participation pursuant to this Section 9.04,
        disclose to the assignee or participant or proposed assignee or participant
        any
        information relating to the Borrower and the Pledged Assets furnished to
        the
        Lender by or on behalf of the Borrower or the Servicer; provided,
        however
        that the
        Lender shall obtain an agreement from such assignee or participant or proposed
        assignee or participant that they shall treat as confidential (under terms
        mutually satisfactory to the Administrator and such assignee or participant
        or
        proposed assignee or participant) any information obtained which is not already
        publicly known or available.

       

      The
        Borrower and Freedom Financial shall fully cooperate with the Administrator
        and
        the Lender in effecting any assignment or participation hereunder, including,
        without limitation, making such management personnel, information and resources
        available as shall be reasonably requested by the Administrator. 

       

      (b) Whenever
        the term “Lender” is used herein, it shall mean ReMark or, if applicable, any
        other Person which shall have executed an Assignment and Acceptance;
provided,
        however,
        that
        each such party shall have a pro rata share of the rights and obligations
        of the
        Lender hereunder in such percentage amount (the “Commitment
        Percentage”)
        as
        shall be obtained by dividing such party’s commitment to fund Advances hereunder
        by the total commitment of all parties to fund Advances hereunder. Unless
        otherwise specified herein, any right at any time of the Lender to enforce
        any
        remedy, or instruct the Administrator to take (or refrain from taking) any
        action hereunder, shall be exercised by the Administrator only upon direction
        by
        such parties that hold a majority of the Commitment Percentages at such
        time.

       

      (c) Lender
        may at any time pledge or assign a security interest in all or any portion
        of
        its rights under this Agreement, including the Advances and Notes or any
        other
        instrument evidencing its rights as a Lender under this Agreement, to secure
        its
        obligations, including any pledge or assignment to secure obligations to
        a
        Federal Reserve Bank; provided that
        no such
        pledge or assignment shall release Lender from any of its obligations hereunder
        or substitute any such pledgee or assignee for Lender as a party
        hereto.

       

      
        
          
          

        

        
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      SECTION
        9.05 Term
        of
        this Agreement;
        Survival of Remedies, Representations, Warranties and Covenants.
        This
        Agreement shall remain in full force and effect until the Final Payment Date.
        All representations, warranties and covenants made herein shall survive the
        execution and delivery hereof and the making of any Advance. Notwithstanding
        anything herein or implied by law to the contrary, the rights and remedies
        of
        Administrator and Lender with respect to any breach of any representation,
        warranty or covenant made by the Borrower or Servicer herein, and the agreements
        of Borrower and Freedom Financial set forth in Sections
        2.06, 2.15, 8.01, 8.02, 9.09, 9.10, 9.12 and 9.13,
        shall
        survive the payment of the Obligations and the termination hereof.

       

      SECTION
        9.06 GOVERNING
        LAW.
        THIS AGREEMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES HEREUNDER SHALL
        BE
        GOVERNED BY, AND SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH, THE
        LAWS OF
        THE STATE OF NEW YORK WITHOUT REGARD TO CONFLICT OF LAWS PRINCIPLES (OTHER
        THAN
        SECTION 5-1401 AND 5.1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW) THEREOF,
        EXCEPT TO THE EXTENT THAT THE VALIDITY OR PERFECTION OF THE INTERESTS OF
        THE
        LENDER IN THE PLEDGED RECEIVABLES, OR REMEDIES HEREUNDER, IN RESPECT THEREOF,
        ARE GOVERNED BY THE LAWS OF A JURISDICTION OTHER THAN THE STATE OF NEW YORK.
        EACH OF THE PARTIES HERETO WAIVES, TO THE FULLEST EXTENT PERMITTED BY LAW,
        ANY
        RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION ARISING
        DIRECTLY OR INDIRECTLY OUT OF, UNDER OR IN CONNECTION WITH THIS AGREEMENT
        OR ANY
        OF THE TRANSACTIONS CONTEMPLATED HEREUNDER. 

       

      SECTION
        9.07 CONSENT
        TO JURISDICTION;
        SERVICE OF PROCESS.

       

      (a) ALL
        JUDICIAL PROCEEDINGS BROUGHT AGAINST BORROWER OR FREEDOM FINANCIAL ARISING
        OUT
        OF OR RELATING HERETO OR ANY OTHER TRANSACTION DOCUMENT, OR ANY OF THE
        OBLIGATIONS, MAY BE BROUGHT IN ANY STATE OR FEDERAL COURT OF COMPETENT
        JURISDICTION IN THE STATE, COUNTY AND CITY OF NEW YORK. BY EXECUTING AND
        DELIVERING THIS AGREEMENT, EACH OF BORROWER AND FREEDOM FINANCIAL, FOR ITSELF
        AND IN CONNECTION WITH ITS PROPERTIES, IRREVOCABLY (a) ACCEPTS GENERALLY
        AND
        UNCONDITIONALLY THE NONEXCLUSIVE JURISDICTION AND VENUE OF SUCH COURTS; (b)
        WAIVES ANY DEFENSE OF FORUM NON CONVENIENS; (c) AGREES THAT SERVICE OF ALL
        PROCESS IN ANY SUCH PROCEEDING IN ANY SUCH COURT MAY BE MADE BY REGISTERED
        OR
        CERTIFIED MAIL, RETURN RECEIPT REQUESTED, TO BORROWER OR FREEDOM FINANCIAL,
        AS
        APPLICABLE, AT ITS ADDRESS PROVIDED IN ACCORDANCE WITH SECTION
        9.02
        AND TO ANY PROCESS AGENT SELECTED IN ACCORDANCE WITH SECTION
        3.01(e)
        ABOVE IS SUFFICIENT TO CONFER PERSONAL JURISDICTION OVER THE BORROWER AND
        FREEDOM FINANCIAL IN ANY SUCH PROCEEDING IN ANY SUCH COURT, AND OTHERWISE
        CONSTITUTES EFFECTIVE AND BINDING SERVICE IN EVERY RESPECT; AND (e) AGREES
        THAT
        ADMINISTRATOR AND LENDER RETAIN THE RIGHT TO SERVE PROCESS IN ANY OTHER MANNER
        PERMITTED BY LAW OR TO BRING PROCEEDINGS AGAINST BORROWER AND FREEDOM FINANCIAL
        IN THE COURTS OF ANY OTHER JURISDICTION.

       

      
        
          
          

        

        
          -50-

          
            

          

        

        
          
          

        

      

       

      (b) EACH
        OF BORROWER AND FREEDOM FINANCIAL HEREBY AGREES THAT PROCESS MAY BE SERVED
        ON IT
        BY CERTIFIED MAIL, RETURN RECEIPT REQUESTED, TO THE ADDRESSES PERTAINING
        TO IT
        AS SPECIFIED IN SECTION 9.02 OR ON CT CORPORATION SYSTEM, LOCATED AT 111
        EIGHTH
        AVENUE, NEW YORK, NEW YORK 10011, AND HEREBY APPOINTS CT CORPORATION SYSTEM,
        AS
        ITS AGENT TO RECEIVE SUCH SERVICE OF PROCESS. ANY AND ALL SERVICE OF PROCESS
        AND
        ANY OTHER NOTICE IN ANY SUCH ACTION, SUIT OR PROCEEDING SHALL BE EFFECTIVE
        AGAINST BORROWER OR FREEDOM FINANCIAL IF GIVEN BY REGISTERED OR CERTIFIED
        MAIL,
        RETURN RECEIPT REQUESTED, OR BY ANY OTHER MEANS OR MAIL WHICH REQUIRES A
        SIGNED
        RECEIPT, POSTAGE PREPAID, MAILED AS PROVIDED ABOVE. IN THE EVENT NATIONAL
        CORPORATE RESEARCH, LTD. SHALL NOT BE ABLE TO ACCEPT SERVICE OF PROCESS AS
        AFORESAID AND IF BORROWER OR FREEDOM FINANCIAL SHALL NOT MAINTAIN AN OFFICE
        IN
        NEW YORK CITY, BORROWER AND FREEDOM FINANCIAL SHALL PROMPTLY APPOINT AND
        MAINTAIN AN AGENT QUALIFIED TO ACT AS AN AGENT FOR SERVICE OF PROCESS WITH
        RESPECT TO THE COURTS SPECIFIED IN THIS SECTION
        9.07
        ABOVE, AND ACCEPTABLE TO THE ADMINISTRATOR, AS BORROWER’S AND FREEDOM
        FINANCIAL’S AUTHORIZED AGENT TO ACCEPT AND ACKNOWLEDGE ON THEIR BEHALF SERVICE
        OF ANY AND ALL PROCESS WHICH MAY BE SERVED IN ANY SUCH ACTION, SUIT OR
        PROCEEDING.

       

      (c) Nothing
        in this Section 9.07
        shall
        affect the right of the Lender or the Administrator to serve legal process
        in
        any other manner permitted by law. 

       

      SECTION
        9.08 WAIVER
        OF JURY TRIAL.
        EACH
        OF THE PARTIES HERETO HEREBY AGREES TO WAIVE ITS RESPECTIVE RIGHTS TO A JURY
        TRIAL OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR ARISING HEREUNDER OR
        UNDER
        ANY OF THE OTHER TRANSACTION DOCUMENTS OR ANY DEALINGS BETWEEN THEM RELATING
        TO
        THE SUBJECT MATTER OF THIS LOAN TRANSACTION OR THE LENDER/BORROWER RELATIONSHIP
        THAT IS BEING ESTABLISHED. THE SCOPE OF THIS WAIVER IS INTENDED TO BE ALL
        ENCOMPASSING OF ANY AND ALL DISPUTES THAT MAY BE FILED IN ANY COURT AND THAT
        RELATE TO THE SUBJECT MATTER OF THIS TRANSACTION, INCLUDING CONTRACT CLAIMS,
        TORT CLAIMS, BREACH OF DUTY CLAIMS AND ALL OTHER COMMON LAW AND STATUTORY
        CLAIMS. EACH PARTY HERETO ACKNOWLEDGES THAT THIS WAIVER IS A MATERIAL INDUCEMENT
        TO ENTER INTO A BUSINESS RELATIONSHIP, THAT EACH HAS ALREADY RELIED ON THIS
        WAIVER IN ENTERING INTO THIS AGREEMENT, AND THAT EACH WILL CONTINUE TO RELY
        ON
        THIS WAIVER IN ITS RELATED FUTURE DEALINGS. EACH PARTY HERETO FURTHER WARRANTS
        AND REPRESENTS THAT IT HAS REVIEWED THIS WAIVER WITH ITS LEGAL COUNSEL AND
        THAT
        IT KNOWINGLY AND VOLUNTARILY WAIVES ITS JURY TRIAL RIGHTS FOLLOWING CONSULTATION
        WITH LEGAL COUNSEL. THIS WAIVER IS IRREVOCABLE, MEANING THAT IT MAY NOT BE
        MODIFIED EITHER ORALLY OR IN WRITING (OTHER THAN BY A MUTUAL WRITTEN WAIVER
        SPECIFICALLY REFERRING TO THIS SECTION
        9.08
        AND EXECUTED BY EACH OF THE PARTIES HERETO), AND THIS WAIVER SHALL APPLY
        TO ANY
        SUBSEQUENT AMENDMENTS, RENEWALS, SUPPLEMENTS OR MODIFICATIONS HERETO OR ANY
        OF
        THE OTHER TRANSACTION DOCUMENTS OR TO ANY OTHER DOCUMENTS OR AGREEMENTS RELATING
        TO THE LOANS MADE HEREUNDER. IN THE EVENT OF LITIGATION, THIS AGREEMENT MAY
        BE
        FILED AS A WRITTEN CONSENT TO A TRIAL BY THE COURT.

       

      
        
          
          

        

        
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      SECTION
        9.09 Costs,
        Expenses and Taxes.
        Whether
        or not the transactions contemplated hereby shall be consummated, the Borrower
        and Freedom Financial each agree to pay on demand, without duplication, all
        reasonable costs and expenses of the Administrator, the Custodian and the
        Lender
        incurred in connection with the preparation, negotiation, execution, delivery,
        administration (including periodic auditing) of this Agreement, the other
        Transaction Documents and the other documents to be delivered hereunder or
        in
        connection herewith or therewith or incurred in connection with any amendment,
        waiver or modification of this Agreement, any other Transaction Document,
        and
        any other documents to be delivered hereunder or thereunder or in connection
        herewith or therewith including, without limitation, (i) the reasonable fees
        and
        reasonable out-of-pocket expenses and disbursements of outside counsel for
        the
        Administrator, the Custodian and the Lender with respect to advising such
        parties as to their respective rights and remedies under this Agreement,
        the
        other Transaction Documents and the other documents to be delivered hereunder
        or
        in connection herewith, (ii) the actual costs and reasonable expenses of
        creating and perfecting liens in favor of Administrator, for the benefit
        of
        Lender, including filing and recording fees, expenses and taxes, stamp or
        documentary taxes, search fees, title insurance premiums and reasonable fees,
        expenses and disbursements of counsel to the Administrator and the Lender
        and of
        counsel providing any opinions that the Administrator or the Lender may request
        in respect of the Pledged Assets or the liens created pursuant to the
        Transaction Documents; (iii) the Administrator’s and Lender’s actual costs and
        reasonable fees, expenses and disbursements of any of Administrator’s and
        Lender’s auditors, accountants, consultants or appraisers whether internal or
        external; (iv) the actual costs and reasonable expenses (including the
        reasonable fees, expenses and disbursements of any appraisers, consultants,
        advisors and agents employed or retained by Custodian and its counsel) in
        connection with the custody, release or preservation of any of the Pledged
        Assets; (v) all stamp, sales, excise and other taxes and fees payable or
        determined to be payable in connection with the execution, delivery, filing
        and
        recording of this Agreement, the other Transaction Documents, and any other
        documents or instruments to be delivered hereunder or thereunder; and (vi)
        after
        the occurrence of a Default or an Event of Default, all costs and expenses,
        including reasonable attorneys’ fees and costs of settlement, incurred by the
        Administrator, the Custodian and the Lender in enforcing any Obligations
        of or
        in collecting any payments due from Borrower or Freedom Financial (whether
        in
        its capacity as Servicer or otherwise) hereunder or under the other Transaction
        Documents by reason of such Default or Event of Default (including in connection
        with the sale of, collection from, or other realization upon any of the
        Collateral or the enforcement of the Guaranty) or in connection with any
        refinancing or restructuring of the credit arrangements provided hereunder
        in
        the nature of a “work out” or pursuant to any insolvency or bankruptcy cases or
        proceedings.

       

      
        
          
          

        

        
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      SECTION
        9.10 No
        Proceedings.
        Each of
        Freedom Financial and the Servicer (if not Freedom Financial) hereby agrees
        that
        it will not institute against, or join any other Person in instituting against,
        the Borrower any proceedings of the type referred to in the definition of
        Bankruptcy Event unless and until one year and one day shall have elapsed
        after
        the Final Payment Date.

       

      SECTION
        9.11 Execution
        in Counterparts; Severability; Integration.
        This
        Agreement may be executed in any number of counterparts and by different
        parties
        hereto in separate counterparts, each of which when so executed shall be
        deemed
        to be an original and all of which when taken together shall constitute one
        and
        the same agreement. Delivery of an executed counterpart of a signature page
        to
        this Agreement by facsimile or other electronic means shall be effective
        as
        delivery of a manually executed counterpart of this Agreement. In case any
        provision in or obligation under this Agreement shall be invalid, illegal
        or
        unenforceable in any jurisdiction, the validity, legality and enforceability
        of
        the remaining provisions or obligations, or of such provision or obligation
        in
        any other jurisdiction, shall not in any way be affected or impaired thereby.
        This Agreement contains the final and complete integration of all prior
        expressions by the parties hereto with respect to the subject matter hereof
        and
        shall constitute the entire agreement among the parties hereto with respect
        to
        the subject matter hereof, superseding all prior oral or written understandings
        other than the other Transaction Documents; provided that,
        in the
        event of any conflict between the provisions of this Agreement and any other
        Transaction Document, the provisions of this Agreement will
        control.

       

      SECTION
        9.12 Waiver
        of Consequential Damages.
        To the
        extent permitted by applicable law, neither Borrower nor Freedom Financial
        shall
        assert, and each of Borrower and Freedom Financial hereby waives, any claim
        against the Administrator, the Custodian, the Lender and their respective
        Affiliates, directors, employees, attorneys or agents, on any theory of
        liability, for special, indirect, consequential or punitive damages (as opposed
        to direct or actual damages), including, without limitation, any loss of
        profits, business or anticipated savings (whether or not the claim therefor
        is
        based on contract, tort or duty imposed by any applicable legal requirement),
        arising out of, in connection with, as a result of, or in any way related
        to,
        this Agreement or any Transaction Document or any agreement or instrument
        contemplated hereby or thereby or referred to herein or therein, the
        transactions contemplated hereby or thereby, any Advance or the use of the
        proceeds thereof or any act or omission or event occurring in connection
        therewith, and each of Borrower and Freedom Financial hereby waives, releases
        and agrees not to sue upon any such claim or any such damages, whether or
        not
        accrued and whether or not known or suspected to exist in its favor.

       

      SECTION
        9.13 Marshalling;
        Payments Set Aside.
        Neither
        Administrator nor Lender shall be under any obligation to marshal any assets
        in
        favor of Borrower, Freedom Financial or any other Person or against or in
        payment of any or all of the Obligations. To the extent that Borrower or
        Freedom
        Financial makes a payment or payments to Administrator or Lender (or to
        Administrator on behalf of Lender), or Administrator or Lender enforce any
        security interests or exercise their rights of setoff, and such payment or
        payments or the proceeds of such enforcement or setoff or any part thereof
        are
        subsequently invalidated, declared to be fraudulent or preferential, set
        aside
        and/or required to be repaid to a trustee, receiver or any other party under
        any
        bankruptcy law, any other state or federal law, common law or any equitable
        cause, then, to the extent of such recovery, the obligation or part thereof
        originally intended to be satisfied, and all liens, rights and remedies therefor
        or related thereto, shall be revived and continued in full force and effect
        as
        if such payment or payments had not been made or such enforcement or setoff
        had
        not occurred. 

       

      
        
          
          

        

        
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      SECTION
        9.14 Usury
        Savings Clause.
        Notwithstanding any other provision herein, the aggregate interest rate charged
        or agreed to be paid with respect to any of the Obligations, including all
        charges or fees in connection therewith deemed in the nature of interest
        under
        applicable law shall not exceed the Highest Lawful Rate. If the rate of interest
        (determined without regard to the preceding sentence) under this Agreement
        at
        any time exceeds the Highest Lawful Rate, the Outstanding Advances hereunder
        shall bear interest at the Highest Lawful Rate until the total amount of
        interest due hereunder equals the amount of interest which would have been
        due
        hereunder if the stated rates of interest set forth in this Agreement had
        at all
        times been in effect. In addition, if when the Advances made hereunder are
        repaid in full the total interest due hereunder (taking into account the
        increase provided for above) is less than the total amount of interest which
        would have been due hereunder if the stated rates of interest set forth in
        this
        Agreement had at all times been in effect, then to the extent permitted by
        law,
        Borrower shall pay to Administrator an amount equal to the difference between
        the amount of interest paid and the amount of interest which would have been
        paid if the Highest Lawful Rate had at all times been in effect. Notwithstanding
        the foregoing, it is the intention of Lender and Borrower to conform strictly
        to
        any applicable usury laws. Accordingly, if Lender contracts for, charges,
        or
        receives any consideration which constitutes interest in excess of the Highest
        Lawful Rate, then any such excess shall be cancelled automatically and, if
        previously paid, shall at Lender’s option be applied to the Outstanding Advances
        hereunder or be refunded to Borrower. In determining whether the interest
        contracted for, charged, or received by Administrator or Lender exceeds the
        Highest Lawful Rate, such Person may, to the extent permitted by applicable
        law,
        (a) characterize any payment that is not principal as an expense, fee, or
        premium rather than interest, (b) exclude voluntary prepayments and the effects
        thereof, and (c) amortize, prorate, allocate, and spread in equal or unequal
        parts the total amount of interest, throughout the contemplated term of the
        Obligations hereunder.

       

      SECTION
        9.15 Restriction
        on Sale or Financing of Receivables.
        None of
        the Borrower, Freedom Financial or any Affiliate thereof will assign, transfer,
        pledge, convey, sell or otherwise dispose of any Receivable (or any similar
        right to payment from any Person evidenced by a promissory note, a retail
        installment sales contract, a conditional sales contract or any similar type
        of
        financing agreement, in each case secured by, or payable in respect of, a
        Vehicle) originated or otherwise acquired by the Borrower, Freedom Financial
        or
        an Affiliate thereof, in each case without the prior written consent of the
        Lender; provided,
        however,
        that
        the provisions of this Section 9.12
        shall
        not apply to Receivables subject to any repurchase by Freedom Financial or
        the
        Borrower of Pledged Receivables pursuant to the Transaction Documents, and
        which
        are released from the Pledge hereunder by the Administrator on behalf of
        the
        Lender. In selecting any Receivables to be sold or pledged to third parties,
        Freedom Financial will not use selection procedures that are adverse to the
        Borrower or the Lender and such Receivables shall be no more desirable or
        have
        no greater market value than the Pledged Receivables. The foregoing
        notwithstanding, the restrictions on the sale of Receivables contained in
        this
        Section 9.15 shall not apply to any Receivable originated by TCG or otherwise
        acquired by TCG from any party other than the Borrower or Freedom
        Financial.

       

      
        
          
          

        

        
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      SECTION
        9.16 Right
        of Last Look.
        The
        parties hereto agree that, from the date hereof through and including the
        Facility Maturity Date:

       

      (a) if
        Freedom Financial or any of its Affiliates and any potential purchaser propose
        to enter into any Third Party Sale, Freedom Financial and any such Affiliates
        shall, on the terms and conditions of this Section
        9.16,
        either
        (i) offer ReMark and its Affiliates a right of last look with respect to
        such
        proposed Third Party Sale in accordance with subparagraph (b) below or (ii)
        remit a prepayment fee to ReMark equal to one percent (1.00%) of the Outstanding
        Principal Balance of the Pledged Receivables to be sold in such Third Party
        Sale
        at or prior to the closing thereof; provided,
        that
        any Third Party Sale effected pursuant to clause (ii) above shall require
        the
        prior written consent of the Lender;

       

      (b) if
        Freedom Financial proposes to enter into a proposed Third Party Sale, Freedom
        Financial shall send a written notice (the “Proposed
        Sale Notice”)
        to the
        ReMark, at least 15 Business Days before the proposed date of the effectiveness
        of the related Third Party Sale, setting forth in detail satisfactory to
        ReMark
        the terms and conditions of the proposed Third Party Sale (the “Proposed
        Sale Arrangement”);

       

      (c) at
        any
        time within the 15 Business Days after the date on which ReMark receives
        the
        Proposed Sale Notice, ReMark may exercise the right of last look provided
        under
        this Section
        9.16
        by
        delivering a notice (the “Last
        Look Exercise Notice”)
        to
        Freedom Financial, and if ReMark does not deliver a timely Last Look Exercise
        Notice, ReMark shall be deemed to have irrevocably waived its right to exercise
        the right of last look provided by this Section
        9.16
        with
        respect to the Third Party Sale that is the subject of the Proposed Sale
        Notice,
        and Freedom Financial shall be permitted to enter into the Third Party Sale
        without the payment of any prepayment fee to ReMark; 

       

      (d) to
        the
        extent ReMark exercises its right of last look under this Section
        9.16,
        the
        Third Party Sale with ReMark shall be on the same terms and conditions,
        including the date of effectiveness, as were applicable to the Proposed Sale
        Arrangement as set forth in the Proposed Sale Notice; and

       

      (e) the
        foregoing provisions of this Section 9.16 shall not apply to any proposed
        Third
        Party Sale between a purchaser and TCG 

       

      SECTION
        9.17 Patriot
        Act Notice.
        Each of
        the Lender and the Administrator (for itself and not on behalf of the Lender)
        hereby notifies Freedom Financial and the Borrower that pursuant to the
        requirements of the USA Patriot Act of 2001, it is required to obtain, verify
        and record information that identifies Freedom Financial and the Borrower,
        which
        information includes the name and address of Freedom Financial and the Borrower
        and other information that will allow the Lender or the Administrator, as
        applicable, to identify Freedom Financial and the Borrower in accordance
        with
        the requirements of such act. 

       

      
        
          
          

        

        
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      SECTION
        9.18 Obligations
        Several; Independent Nature of Lenders’ Rights.
        In the
        event there is ever more than one Lender under this Agreement, the obligations
        of Lenders hereunder are several and no Lender shall be responsible for the
        obligations or commitment of any other Lender hereunder. Nothing contained
        herein or in any other Transaction Document, and no action taken by Lenders
        pursuant hereto or thereto, shall be deemed to constitute Lenders as a
        partnership, an association, a joint venture or any other kind of entity.
        The
        amounts payable at any time hereunder to each Lender shall be a separate
        and
        independent debt, and, subject to Section 9.04(b), each Lender shall be entitled
        to protect and enforce its rights arising under this Agreement and the other
        Transaction Documents and it shall not be necessary for any other Lender
        to be
        joined as an additional party in any proceeding for such purpose.

       

      [Signature
        page to follow.]

       

      
        
          
          

        

        
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    IN
      WITNESS WHEREOF, the parties have caused this Agreement to be executed by their
      respective officers thereunto duly authorized, as of the date first above
      written.

     

    
      	
              FREEDOM
                FINANCIAL AUTO
 RECEIVABLES, LLC,
                as
                Borrower

            
	 
	
              By:  

            	/s/
              Jerry Fenstermaker 
	 	
              Name:
                Jerry Fenstermaker 

            
	 	
              Title:
                President

            
	 	 
	
              3058
                East Elm Street

            
	
              Springfield,
                MO 65802

            
	
              Attention:
                Jerry Fenstermaker

            
	
              Facsimile
                No.: (417) 841-1200

            
	
              Confirmation
                No.: (417) 886-6600 (x201)

            
	 
	
              FREEDOM
                FINANCIAL GROUP, INC.,
                individually and as Servicer

            
	 
	
              By:

            	/s/
              Jerry Fenstermaker 
	 	
              Name:
                Jerry Fenstermaker

            
	 	
              Title:
                President

            
	 	 
	
              3058
                East Elm Street

            
	
              Springfield,
                MO 65802

            
	
              Attention:
                Jerry Fenstermaker

            
	
              Facsimile
                No.: (417) 841-1200

            
	
              Confirmation
                No.: (417) 886-6600 (x201)

            

    

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    
      	
              ARCHON
                GROUP, L.P., as Administrator and Custodian

            
	 
	
              By:

            	
              /s/ Michael
                Forbes 

            
	 	
              Name: Michael
                Forbes

            
	 	
              Title:
                Director

            
	 	 
	
              6011
                Connection Drive

            
	
              Irving,
                Texas 75039

            
	
              Attention:
                Loan Servicing

            
	
              Facsimile
                No.: 972-368-3499

            
	
              w/copy
                to:

            
	
              General
                Counsel

            
	
              Facsimile
                No.: (972) 368-3199

            

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      	
              REMARK
                LENDING CO. a division of ReMark Capital Group, LLC, individually
                and as
                Lender

            
	 
	
              By:

            	/s/
              Jeffrey W. Kramer
	 	
              Name:
                Jeffrey W. Kramer

            
	 	
              Title:
                CEO

            
	 	 
	
              60
                Columbus Circle, 20th Floor

            
	
              New
                York, New York 10023 

            
	
              Attention:
                Jeffrey W. Kramer

            
	
              Facsimile
                No.: (212) 801-3762

            
	
              Confirmation
                No.: (212) 801-3951

            
	 
	
              w/copy
                to:

            
	 
	
              Goldman
                Sachs & Co. Inc.

            
	
              85
                Broad Street, 29th Floor

            
	
              New
                York, New York 10004

            
	
              Attention:
                Gaurav Seth

            
	
              Facsimile
                No.: (212) 902-9356

            
	 
	
              and

            
	 
	
              Goldman
                Sachs & Co. Inc.

            
	
              85
                Broad Street, 29th Floor

            
	
              New
                York, New York 10004

            
	
              Attention:
                Joseph Risico, Esq.

            
	
              Facsimile
                No.: (212) 855-9634

            

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    SCHEDULE
      I

     

    DEFINED
      TERMS

     

    As
      used
      in this Agreement and its exhibits, the following terms shall have the following
      meanings (such meanings to be equally applicable to both the singular and plural
      forms of the terms defined):

     

    “Administrator”
shall
      mean Archon Group, L.P., in its capacity as administrator hereunder, and its
      successors and assigns.

     

    “Administrator
      Fee”
means
      a
      fee equal to $500.00 per month, payable to the Administrator in arrears on
      each
      Settlement Date.

     

    “Advance”
has
      the
      meaning specified in Section
      2.01.

     

    “Adverse
      Claim”
means
      a
      lien, security interest, charge, encumbrance or other right or claim of any
      Person other than, with respect to the Pledged Assets, any lien, security
      interest, charge, encumbrance or other right or claim in favor of the Lender
      (or
      the Administrator on behalf of the Lender).

     

    “Adjusted
      Originator Net Investment Rate”
means,
      with respect to an Eligible Receivable, the Originator Net Investment Rate
      for
      such Eligible Receivable, less ten (10.0) percentage points.

     

    “Administrator’s
      Bank”
has
      the
      meaning set forth in Section
      6.02(a).

     

    “Affected
      Party”
has
      the
      meaning set forth in Section 2.06.

     

    “Affiliate”
means,
      as applied to any Person, any other Person directly or indirectly controlling
      (including any member of the senior management group of such Person), controlled
      by, or under common control with, that Person. For the purposes of this
      definition, “control” (including, with correlative meanings, the terms
“controlling,” “controlled by” and “under common control with”), as applied to
      any Person, means the possession, directly or indirectly, of the power (a)
      to
      vote 5% or more of the Securities having ordinary voting power for the election
      of directors of such Person, or (b) to direct or cause the direction of the
      management and policies of that Person, whether through the ownership of voting
      securities or by contract or otherwise.

     

    “Aggregate
      Borrowing Base To Collateral Value Ratio”
means
      the weighted average of the Individual Borrowing Base to Collateral Value
      Ratios, weighted by the Individual Borrowing Base Amount of each Eligible
      Receivable.

     

    “Aggregate
      Individual Borrowing Base Amounts”
means
      sum of the Individual Borrowing Base Amounts.

     

    
      
        
        

      

      
        Sch.
          I -
          1

        
          

        

      

      
        
        

      

    

     

    “Aggregate
      Outstanding Principal Balance of Eligible Receivables”
means
      the sum of the outstanding Principal Balances of all Pledged Receivables that
      are Eligible Receivables.

     

    “Agreement”
means
      this Revolving Loan and Security Agreement, as the same may be amended,
      restated, supplemented or otherwise modified from time to time
      hereafter.

     

    “Amount
      Financed”
means,
      with respect to a Receivable, the aggregate amount of credit extended under
      such
      Receivable toward the purchase price of the related Financed Vehicle and related
      costs, including amounts advanced in respect of accessories, insurance premiums,
      service and warranty contracts, other items customarily financed as part of
      retail automobile installment sale contracts or promissory notes, and related
      costs.

     

    “Assigned
      Documents”
has
      the
      meaning set forth in Section 2.07.

     

    “Assignment”
has
      the
      meaning set forth in the PCA. 

     

    “Assignment
      and Acceptance”
has
      the
      meaning set forth in Section 9.04(a).

     

    “Available
      Funds”
means,
      for each Settlement Date, the sum of the following amounts with respect to
      the
      preceding Remittance Period, without duplication: (i) all Collections on the
      Pledged Receivables; (ii) all Liquidation Proceeds received during such
      Remittance Period with respect to Liquidated Receivables; (iii) the Release
      Price of each Receivable repurchased by the Borrower, Freedom Financial or
      the
      Servicer during such Remittance Period; (iv) investment earnings in respect
      of Available Funds on deposit in the Collection Account for the related
      Settlement Date; and (v) all amounts received during such Remittance Period
      pursuant to Insurance Policies with respect to any Financed
      Vehicles.

     

    “Bankruptcy
      Code”
means
      Title 11, United States Code, 11 U.S.C. §§ 101 et seq.,
      as
      amended, or any successor statute.

     

    “Bankruptcy
      Event”
shall
      be deemed to have occurred with respect to a Person if either:

     

    (a) a
      case or
      other proceeding shall be commenced, without the application or consent of
      such
      Person, in any court, seeking the liquidation, reorganization, debt arrangement,
      dissolution, winding up, or composition or readjustment of debts of such Person,
      the appointment of a trustee, receiver, custodian, liquidator, assignee,
      sequestrator or the like for such Person or all or substantially all of its
      assets, or any similar action with respect to such Person under any law relating
      to bankruptcy, insolvency, reorganization, winding up or composition or
      adjustment of debts, and such case or proceeding shall continue undismissed,
      or
      unstayed and in effect, for a period of 60 consecutive days; or an order for
      relief in respect of such Person shall be entered in an involuntary case under
      the federal bankruptcy laws or other similar laws now or hereafter in effect;
      or

     

    (b) such
      Person shall commence a voluntary case or other proceeding under any applicable
      bankruptcy, insolvency, reorganization, debt arrangement, dissolution or other
      similar law now or hereafter in effect, or shall consent to the appointment
      of
      or taking possession by a receiver, liquidator, assignee, trustee, custodian,
      sequestrator (or other similar official) for such Person or for any substantial
      part of its property, or shall make any general assignment for the benefit
      of
      creditors, or shall fail to, or admit in writing its inability to, pay its
      debts
      generally as they become due, or, if a corporation or similar entity, its board
      of directors shall vote to implement any of the foregoing.

     

    
      
        
        

      

      
        Sch.
          I -
          2

        
          

        

      

      
        
        

      

    

     

    “Benefit
      Plan”
shall
      mean an “employee benefit plan”, as defined in Section 3(3) of ERISA, which is
      subject to Title I of ERISA or any “plan” as defined in Section 4975 of the
      Code.

     

    “Borrower”
means
      Freedom Financial Auto Receivables, LLC, a Delaware limited liability company,
      in its capacity as borrower hereunder.

     

    “Borrower
      Funding Account”
means
      an account (number 152308189496) in the name of the Borrower and maintained
      with
      US Bank National Association.

     

    “Borrowing”
means
      a
      borrowing of money by the Borrower from the Administrator or the Lender in
      the
      form of Advances made under this Agreement.

     

    “Borrowing
      Base”
means,
      as of any date of determination, the sum of (a) the lesser of (x) the Aggregate
      Individual Borrowing Base Amounts and (y) the product of (i) the Maximum
      Weighted Average Advance Rate and (ii) the Aggregate Outstanding Principal
      Balance of Eligible Receivables, and (b) eighty percent (80.0%) of the Net
      Collection Account Amount, less (c) the Overconcentration Amount.

     

    “Borrowing
      Base Certificate”
means
      a
      report, in substantially the form of Exhibit A,
      prepared by the Servicer for the benefit of the Administrator and the Lender
      pursuant to Section 6.08(b).

     

    “Borrowing
      Base Deficiency”
means,
      as of any date that the Borrowing Base shall be less than the Facility Amount,
      an amount equal to the amount of such deficiency.

     

    “Borrowing
      Date”
means,
      with respect to any Borrowing, the Business Day on which such Borrowing is
      funded (each such date, other than in the case of the initial Borrowing, shall
      be a “Subsequent
      Borrowing Date”).

     

    “Business
      Day”
means
      a
      day of the year other than a Saturday or a Sunday or any other day on which
      banks are not authorized or required to close in New York City or the State
      of
      New York.

     

    “Change
      of Control”
means
      that at any time (i) Freedom Financial shall own less than 100% of all
      classes of member interests of the Borrower, (ii) any event or condition
      occurs which results in any Person or “group” (within the meaning of
Section 13(d)
      or
14(d)
      of the
      Securities Exchange Act of 1934, as amended) other than a Person or group that
      owns capital stock of Freedom Financial on the date of this Agreement:
      (A) having acquired beneficial ownership of 50% or more of any outstanding
      class of capital stock of Freedom Financial having ordinary voting power in
      the
      election of directors of Freedom Financial or (B) obtaining the power
      (whether or not exercised) to elect a majority of Freedom Financial’s directors,
      (iii) Freedom Financial or the Borrower merge or consolidate with any other
      Person (A) other than in accordance with Section 7.2
      of the
      PCA or (B) if a Funding Termination Event exists immediately prior to, or
      will occur as a result of, such merger or consolidation or (iv) the
      following officer is no longer employed directly by, and actively engaged in
      the
      business of, Freedom Financial: Jerry Fenstermaker, unless such officer is
      replaced within 90 days by officers deemed reasonably acceptable by the
      Administrator in writing.

     

    
      
        
        

      

      
        Sch.
          I -
          3

        
          

        

      

      
        
        

      

    

     

    “Closing
      Date”
means
      January 31, 2008.

     

    “Code”
means
      the Internal Revenue Code of 1986, as amended.

     

    “Collateral
      Receipt”
has
      the
      meaning assigned such term in Section
      6.15
      hereof.

     

    “Collateral
      Valuation Percentage”
means,
      with respect to an Eligible Receivable as of any date of determination, a
      percentage equal to (i) the Collateral Value for the related Financed Vehicle
      divided by (ii) the original principal balance of such Eligible
      Receivable.

     

    “Collateral
      Value”
means
      (a) with respect to a Financed Vehicle, the NADA trade-in value, as adjusted
      for
      mileage and additional equipment, but only if such additional equipment is
      identified through a search of the related vehicle identification number (VIN)
      in the NADA “e-Valuator Portfolio” program, or (b) with respect with a Finance
      Vehicle for which the NADA trade-in value is not available, and then only if
      the
      model year of the Vehicle is within six (6) months of the origination date
      of
      the related Contract, seventy-five percent (75.0%) of the MSRP for such Financed
      Vehicle.

     

    “Collection
      Account”
has
      the
      meaning set forth in Section
      6.02(a).

     

    “Collections”
means,
      with respect to any Pledged Receivable, all cash receipts and proceeds in
      respect of such Pledged Receivable and the Other Conveyed Property (including,
      without limitation, the related Financed Vehicle) securing such Pledged
      Receivable, all payments of any principal, interest, fees, prepaid principal,
      Liquidation Proceeds, late fees, redemption fees, other penalty fees and charges
      and any payments under any insurance policies (including, without limitation,
      any Insurance Policy) on related Financed Vehicles under which Freedom
      Financial, the Borrower, the Administrator or the Lender are named as loss
      payee, or other amounts with respect to the Contract and any Related Security
      with respect to such Pledged Receivable, all cash proceeds of any Other Conveyed
      Property (including, without limitation, the related Financed Vehicle) or other
      Pledged Assets with respect to such Pledged Receivable.

     

    “Commitment
      Percentage”
has
      the
      meaning set forth in Section 9.04(b).

     

    “Compliance
      Audit”
has
      the
      meaning set forth in Section 6.09(b).

     

    “Compliance
      Review”
has
      the
      meaning set forth in Section
      6.09(a).

     

    “Contract”
means
      (i) a retail installment sales contract or a conditional sales contract, in
      each case with respect to, and secured by, a Vehicle, or (ii) a promissory
      note evidencing the payment obligations of any Person with respect to a Vehicle,
      and the security agreement pursuant to which such Person’s obligations under
      such promissory note are secured by a Vehicle, in each case purchased by Freedom
      Financial.

     

    
      
        
        

      

      
        Sch.
          I -
          4

        
          

        

      

      
        
        

      

    

     

    “Custodial
      Fee”
means
      a
      one-time fee equal to $20.00 per Receivable File submitted for review by the
      Custodian.

     

    “Custodian”
means
      Archon Capital, L.P., and any successors and assigns of the Custodian in its
      capacity as custodian of the Receivable Files hereunder.

     

    “Dealer”
means
      a
      seller of Vehicles that is legally bound under a Dealer Agreement by and between
      such seller and Freedom Financial.

     

    “Dealer
      Agreement”
means
      an agreement by and among Freedom Financial and a Dealer relating to the sale
      of
      retail installment sale contracts and conditional sale contracts and all
      documents and instruments relating thereto and all security therefor to Freedom
      Financial, as such agreement may be amended or supplemented from time to time
      in
      accordance with this Agreement.

     

    “Dealer
      Assignment”
means
      with respect to a Receivable, an assignment executed by a Dealer conveying
      such
      Receivable to Freedom Financial, as such assignment may be amended or
      supplemented from time to time in accordance with this Agreement.

     

    “Debt”
of
      any
      Person means, without duplication, (a) all indebtedness for borrowed money;
      (b)
      that portion of obligations with respect to capitalized leases that is properly
      classified as a liability on a balance sheet in conformity with GAAP; (c) notes
      payable and drafts accepted representing extensions of credit whether or not
      representing obligations for borrowed money; (d) any obligation owed for all
      or
      any part of the deferred purchase price of property or services (excluding
      any
      such obligations incurred under ERISA), which purchase price is (i) due more
      than six months from the date of incurrence of the obligation in respect thereof
      or (ii) evidenced by a note or similar written instrument; (e) all indebtedness
      secured by any Lien on any property or asset owned or held by that Person
      regardless of whether the indebtedness secured thereby shall have been assumed
      by that Person or is nonrecourse to the credit of that Person; (f) the face
      amount of any letter of credit issued for the account of that Person or as
      to
      which that Person is otherwise liable for reimbursement of drawings; (g) the
      direct or indirect guaranty, endorsement (otherwise than for collection or
      deposit in the ordinary course of business), co making, discounting with
      recourse or sale with recourse by such Person of the obligation of another;
      (h)
      any obligation of such Person the primary purpose or intent of which is to
      provide assurance to an obligee that the obligation of the obligor thereof
      will
      be paid or discharged, or any agreement relating thereto will be complied with,
      or the holders thereof will be protected (in whole or in part) against loss
      in
      respect thereof; (i) any liability of such Person for an obligation of another
      through any agreement (contingent or otherwise) (A) to purchase, repurchase
      or
      otherwise acquire such obligation or any security therefor, or to provide funds
      for the payment or discharge of such obligation (whether in the form of loans,
      advances, stock purchases, capital contributions or otherwise) or (B) to
      maintain the solvency or any balance sheet item, level of income or financial
      condition of another if, in the case of any agreement described under subclauses
      (A) or (B) of this clause (i), the primary purpose or intent thereof is as
      described in clause (h) above; and (j) all obligations of such Person in respect
      of any exchange traded or over the counter derivative transaction, whether
      entered into for hedging or speculative purposes.

     

    
      
        
        

      

      
        Sch.
          I -
          5

        
          

        

      

      
        
        

      

    

     

    “Default”
means
      a
      condition or event that, after notice or lapse of time or both, would constitute
      an Event of Default.

     

    “Default
      Funding Rate”
means,
      as of any date of determination after the occurrence of an Event of Default,
      an
      interest rate per annum equal to the greater of (a) the Prime Rate for such
      date
      plus 6.50% and (b) the Floor Rate for such date plus 6.50%.

     

    “Deferment
      Policy”
means
      the Deferment Policy of Freedom Financial, as attached hereto as Schedule
      III,
      as such
      policy may hereafter be amended, modified or supplemented from time to time
      in
      compliance with this Agreement.

     

    “Delinquent
      Receivable”
means
      a
      Pledged Receivable with respect to which one or more scheduled payments is
      more
      than 29 days contractually delinquent.

     

    “Eligible
      Receivable”
means
      at any time, a Pledged Receivable, other than an Ineligible Receivable, with
      respect to which each of the representations and warranties contained in
Schedule V
      hereto
      is true and correct.

     

    “Eligible
      Receivables Balance”
means
      at any time the aggregate Outstanding Principal Balance of all Eligible
      Receivables that are Pledged Receivables.

     

    “ERISA”
means
      the United States Employee Retirement Income Security Act of 1974, as amended
      from time to time.

     

    “Event
      of Default”
has
      the
      meaning set forth in Section 7.01.

     

    “Existing
      Subordinated Debt”
shall
      mean the subordinated Debt of Freedom Financial existing as of the Closing
      Date,
      as more particularly described on Schedule
      VII
      hereto.

     

    “Facility
      Amount”
means,
      at any time, the sum of the aggregate Outstanding Advances
      hereunder.

     

    “Facility
      Delinquency Ratio”
means,
      as of the end of any calendar month, a percentage equal to (i) the aggregate
      Outstanding Principal Balance as of the end of such calendar month of all
      Pledged Receivables as to which the scheduled payment is more than 29 days
      contractually delinquent as of the end of such calendar month, including all
      Pledged Receivables for which the related Financed Vehicle has been repossessed
      and the proceeds thereof have not yet been realized by the Servicer divided
      by
      (ii) the aggregate Outstanding Principal Balance of all Pledged Receivables
      as
      of the end of such calendar month. 

     

    “Facility
      Fees”
means
      the Administrator Fees, the Custodial Fees, the Successor Servicing Fees, the
      Structuring Fee, the Unused Facility Fees, Prepayment Fees, Make-Whole Fees
      and
      all other amounts payable to the Administrator, the Custodian, the Successor
      Servicer and the Lender hereunder.

     

    
      
        
        

      

      
        Sch.
          I -
          6

        
          

        

      

      
        
        

      

    

     

    “Facility
      Maturity Date”
means
      the earlier of (a) the second anniversary of the Closing Date, and (b) the
      date
      that all Outstanding Advances shall become due and payable in full hereunder,
      whether by acceleration or otherwise.

     

    “Facility
      Three Month Rolling Average Delinquency Ratio”
means,
      as of the end of any calendar month, the average of the Facility Delinquency
      Ratios for such calendar month and the immediately preceding two calendar
      months.

     

    “Final
      Payment Date”
means
      the date upon which the aggregate outstanding principal amount of the
      Outstanding Advances and all interest accrued thereon and all Facility Fees
      and
      other Obligations have been paid in full and the Lender shall have no further
      obligation to make any additional Advances.

     

    “Financed
      Vehicle”
means
      any Vehicle securing a Receivable, together with all accessories, additions
      and
      parts constituting a part thereof and all accessions thereto. 

     

    “Floor
      Rate”
means
      6.00%.

     

    “Freedom
      Financial”
means
      Freedom Financial Group, Inc., a Delaware corporation, and its successors and
      permitted assigns.

     

    “Funding
      Termination Event”
means
      the occurrence of any of the following events:

     

    (i) a
      regulatory, tax or accounting body has ordered that the activities of the
      Administrator or the Lender or any of their respective Affiliates contemplated
      hereby be terminated or, as a result of any other event or circumstance, the
      activities of the Administrator or the Lender contemplated hereby may reasonably
      be expected to cause the Administrator or the Lender or any of their respective
      Affiliates to suffer materially adverse regulatory, accounting or tax
      consequences; 

     

    (ii) an
      Event
      of Default has occurred and is continuing; provided,
      however,
      that
      the occurrence of any Event of Default described in Section 7.01(c)
      shall
      result in an immediate Termination Event without the occurrence of any
      additional event or the taking of any action whatsoever; or

     

    (iii) the
      Facility Maturity Date shall have occurred.

     

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

     

    “Government
      Entity”
means
      the United States, any State, any political subdivision of a State and any
      agency or instrumentality of the United States or any State or political
      subdivision thereof and any entity exercising executive, legislative, judicial,
      regulatory or administrative functions of or pertaining to
      government.

     

    “Guaranty”
means
      the Guaranty dated as of January 31, 2008 in the form attached as Exhibit
      F
      by
      Freedom Financial in favor of the Lender pursuant to which Freedom Financial
      absolutely and unconditionally guarantees the payment and performance of the
      obligations of the Borrower to the Administrator and the Lender under the
      Transaction Documents.

     

    
      
        
        

      

      
        Sch.
          I -
          7

        
          

        

      

      
        
        

      

    

     

    “Guarantor”
means
      each Person that may at any time guaranty all or any part of the Obligations
      in
      accordance with the terms hereof.

     

    “Heartland
      Debt”
means
      all Debt owed by Freedom Financial to Heartland Bank and Trust immediately
      prior
      to the initial Funding Date.

     

    “Highest
      Lawful Rate”
means
      the maximum lawful interest rate, if any, that at any time or from time to
      time
      may be contracted for, charged, or received under the laws applicable to Lender
      which are presently in effect or, to the extent allowed by law, under such
      applicable laws which may hereafter be in effect and which allow a higher
      maximum non-usurious interest rate than applicable laws now allow.

     

    “Indemnified
      Amounts”
has
      the
      meaning set forth in Section 8.01.

     

    “Independent
      Dealer”
means
      a
      Dealer which is not affiliated with an auto manufacturer or
      distributor.

     

    “Individual
      Advance Rate”
means
      (A) for any Eligible Receivable, the lesser of (i) eighty percent (80%), (ii)
      the Adjusted Originator Net Investment Rate, and (iii) one hundred percent
      (100%) of the Collateral Valuation Percentage, and (B) for any Ineligible
      Receivable, zero.

     

    “Individual
      Borrowing Base Amount”
means
      for any Eligible Receivable, for so long as such Eligible Receivable is a
      Pledged Receivable, the product of (i) the Individual Advance Rate and (ii)
      the
      Outstanding Principal Balance of such Eligible Receivable. 

     

    “Individual
      Borrowing Base To Collateral Value Ratio”
means,
      for an Eligible Receivable for so long as such Eligible Receivable is a Pledged
      Receivable and as of the applicable Borrowing Date, a fraction, the numerator
      of
      which is (i) the Individual Borrowing Base Amount for such Eligible Receivable
      and the denominator of which is (ii) the product of (X) Collateral Valuation
      Percentage for such Eligible Receivable and (Y) the Outstanding Principal
      Balance of such Eligible Receivable.

     

    “Ineligible
      Receivable”
means
      any Receivable that is a (i) Delinquent Receivable, (ii) Liquidated Receivable,
      (iii) Repossessed Receivable, (iv) Receivable subject to an extension,
      deferment, re-aging or modification not in conformance with the Deferment
      Policy, (v) Receivable subject to a bankruptcy proceeding with respect to the
      related Obligor, (vi) Receivable for which the Custodian has not received a
      Lien
      Certificate showing Freedom Financial as first lienholder of record with respect
      to the related Financed Vehicle from the applicable Registrar of Titles within
      120 days from the date on which such Receivable became a Pledged Receivable,
      or
      (vii) Receivable that was not underwritten in accordance with the Underwriting
      Guidelines; provided that up to five percent (5.0%) of the Aggregate Individual
      Borrowing Base Amounts as of any date of determination may consist of
      Receivables that have been originated subject to no more than one exception
      to
      the Underwriting Guidelines, and any such Receivable shall not be deemed an
      “Ineligible Receivable” for purposes of this definition unless the related
      exception is a Non-Permitted Exception, in which case such Receivable shall
      be
      deemed an Ineligible Receivable for purposes of this definition.

     

    
      
        
        

      

      
        Sch.
          I -
          8

        
          

        

      

      
        
        

      

    

     

    “Insurance
      Policy”
means
      with respect to each Financed Vehicle securing a Receivable, any insurance
      policy (including the insurance policies described in Item 9 of Schedule V
      hereto)
      naming Freedom Financial as a loss payee and providing loss or physical damage,
      credit life, credit disability, theft, mechanical breakdown or similar coverage
      with respect to such Financed Vehicle or the related Obligor.

     

    “Interest
      Accrual Period”
means,
      with respect to any Settlement Date, the period from, and including, the
      immediately preceding Settlement Date (or from and including the initial
      Borrowing Date, in the case of the initial Settlement Date) to, but excluding,
      such Settlement Date. 

     

    “Interest
      Carryforward Amount”
means,
      with respect to any Settlement Date, an amount equal to the excess of (a) the
      interest accrued on the aggregate principal amount of the Outstanding Advances
      at the Note Rate during the related Interest Accrual Period, over (b) the amount
      actually distributed to the Lender in respect of the Interest Distribution
      Amount pursuant to Section 2.04(a)(iv).

     

    “Interest
      Distribution Amount”
means,
      with respect to any Settlement Date, an amount equal to the sum of (i) interest
      accrued on the aggregate principal amount of the Outstanding Advances at the
      Note Rate during the related Interest Accrual Period, and (ii) any Interest
      Carryforward Amounts from prior Settlement Dates.

     

    “Interim
      Receivables Schedule”
means
      the schedule of Contracts evidencing Pledged Receivables to be pledged in
      connection with a particular Borrowing and appended to the related Notice of
      Borrowing, such schedule to (a) be in an electronic file format reasonably
      satisfactory to the Administrator, and (b) set forth the information required
      and requested by the Administrator and the Custodian to value and administer
      the
      Pledged Receivables described therein, including, without limitation, the
      information with respect to each related Contract required to calculate the
      Overconcentration Amount and identification of each such Contract by
      (i) the account number; (ii) Obligor name and (iii) the
      Outstanding Principal Balance of the Receivable evidenced by such Contract
      as of
      the Borrowing Date related to such Borrowing.

     

    “Last
      Look Exercise Notice”
has
      the
      meaning set forth in Section
      9.16(c).

     

    “Lender”
means,
      collectively, ReMark and/or any other Person (including, without limitation,
      any
      present or future Affiliate of ReMark) that agrees, pursuant to the pertinent
      Assignment and Acceptance, to make Advances secured by Pledged Assets pursuant
      to Article II
      of this
      Agreement.

     

    “Lender’s
      Spread”
means,
      prior to the Termination Date, 2.00% per annum and, thereafter, 6.50% per
      annum.

     

    “Lien
      Certificate”
means
      with respect to a Financed Vehicle, an original certificate of title,
      certificate of lien or other notification issued by the Registrar of Titles
      of
      the applicable State to a secured party which indicates that the lien of the
      secured party on the Financed Vehicle is recorded on the original certificate
      of
      title. In any jurisdiction in which the original certificate of title is
      required to be given to the applicable Obligor, the term “Lien Certificate”
shall mean only a certificate or notification issued to a secured
      party.

     

    
      
        
        

      

      
        Sch.
          I -
          9

        
          

        

      

      
        
        

      

    

     

    “Liquidated
      Receivable”
means
      any Pledged Receivable with respect to which the earlier of the following has
      occurred: (i) the date on which any portion of any scheduled installment or
      other amount payable under the terms of the related Contract remains unpaid
      for
      more than one hundred twenty (120) days after the due date therefor set forth
      in
      such Contract; (ii) the earlier of (a) 60 days after the date the related
      Financed Vehicle is repossessed and (b) the date on which the related Financed
      Vehicle is sold following repossession; and (iii) the date on which such Pledged
      Receivable has been written off by the Servicer as uncollectible in accordance
      with the Servicing Standard.

     

    “Liquidation
      Proceeds”
means
      with respect to a Liquidated Receivable, all amounts realized with respect
      to
      such Receivable net of (i) reasonable expenses of the Servicer incurred in
      connection with the collection of such Receivable and the repossession and
      disposition of the related Financed Vehicle and (ii) amounts that are
      required to be refunded to the Obligor on such Receivable; provided,
      however,
      that
      the Liquidation Proceeds with respect to any Receivable shall in no event be
      less than zero.

     

    “Lockbox
      Account”
has
      the
      meaning set forth in Section
      6.02(a).

     

    “Lockbox
      Account Control Agreement”
has
      the
      meaning set forth in Section
      6.02(a).

     

    “Lockbox
      Bank”
has
      the
      meaning set forth in Section
      6.02(a).

     

    “LTV
      Ratio”
shall
      mean, as of any date of determination and with respect to a Receivable, a
      percentage equal to (i) the original principal balance of such Receivable,
      divided by (ii) the Collateral Value of the related Financed
      Vehicle.

     

    “Make-Whole
      Fee”
shall
      have the meaning set forth in Section
      2.12.

     

    “Material
      Adverse Effect”
means,
      as the context may require, a material adverse effect and/or material adverse
      developments with respect to (i) the business operations, properties,
      assets, condition (financial or otherwise) or prospects of the Borrower or
      Freedom Financial (in its capacity as Servicer or otherwise), (ii) the
      ability of the Borrower or Freedom Financial (in its capacity as Servicer or
      otherwise) to conduct its business, (iii) the ability of the Borrower or
      Freedom Financial (in its capacity as Servicer or otherwise) to perform its
      obligations under this Agreement or any other Transaction Document to which
      it
      is a party, (iv) the legality, validity, binding effect or enforceability
      of this Agreement or any other Transaction Document to which the Borrower or
      Freedom Financial (in its capacity as Servicer or otherwise), as applicable,
      is
      a party, (v) the rights, remedies and benefits available to, or conferred
      upon, the Administrator or the Lender under this Agreement or any of the
      Transaction Documents or (vi) the validity, enforceability or
      collectibility of all or any portion (other than an inconsequential portion)
      of
      the Pledged Receivables.

     

    
      
        
        

      

      
        Sch.
          I -
          10

        
          

        

      

      
        
        

      

    

     

    “Maximum
      Facility Amount”
means
      initially $15,000,000; provided,
      however,
      that on
      or after the Termination Date, the Maximum Facility Amount shall mean the
      aggregate principal amount of the Outstanding Advances. 

     

    “Maximum
      Weighted Average Advance Rate”
means,
      as of any date of determination during each month set forth below, the
      correlative percentage indicated below: 

     

    
      	
              Month

            	
               

            	
              Percentage

            
	
               

            	 	 
	
              February
                2008

            	
               

            	
              45.00%

            
	
               

            	
               

            	
               

            
	
              March
                2008

            	
               

            	
              45.00%

            
	
               

            	
               

            	
               

            
	
              April
                2008

            	
               

            	
              45.00%

            
	
               

            	
               

            	
               

            
	
              May
                2008

            	
               

            	
              55.00%

            
	
               

            	
               

            	
               

            
	
              June
                2008

            	
               

            	
              55.00%

            
	
               

            	
               

            	
               

            
	
              July
                2008

            	
               

            	
              55.00%

            
	
               

            	
               

            	
               

            
	
              August
                2008

            	
               

            	
              65.00%

            
	
               

            	
               

            	
               

            
	
              September
                2008

            	
               

            	
              65.00%

            
	
               

            	
               

            	
               

            
	
              October
                2008

            	
               

            	
              65.00%

            
	
               

            	
               

            	
               

            
	
              November
                2008

            	
               

            	
              75.00%

            
	
               

            	
               

            	
               

            
	
              December
                2008

            	
               

            	
              75.00%

            
	
               

            	
               

            	
               

            
	
              January
                2009

            	
               

            	
              75.00%

            
	
               

            	
               

            	
               

            
	
              February
                2009 and thereafter

            	
               

            	
              80.00%

            

    

     

    “Minimum
      Facility Utilization Amount”
means,
      as of any date of determination, the product of (a) the Minimum Utilization
      Percentage for such date and (b) the Maximum Facility Amount.

     

    “Minimum
      Utilization Percentage”
means,
      as of any date of determination during each month set forth below, the
      correlative percentage indicated below:

     

    
      
        
        

      

      
        Sch.
          I -
          11

        
          

        

      

      
        
        

      

    

     

    
      	
              Month

            	
               

            	
              Percentage

            
	
               

            	
               

            	
               

            
	
              February
                2008

            	
               

            	
              20.00%

            
	
               

            	
               

            	
               

            
	
              March
                2008

            	
               

            	
              20.00%

            
	
               

            	
               

            	
               

            
	
              April
                2008

            	
               

            	
              20.00%

            
	
               

            	
               

            	
               

            
	
              May
                2008

            	
               

            	
              40.00%

            
	
               

            	
               

            	
               

            
	
              June
                2008

            	
               

            	
              40.00%

            
	
               

            	
               

            	
               

            
	
              July
                2008

            	
               

            	
              40.00%

            
	
               

            	
               

            	
               

            
	
              August
                2008 and thereafter

            	
               

            	
              50.00%

            

    

     

    “Monthly
      Remittance Report and Compliance Certificate”
means
      a
      report, in substantially the form of Exhibit B,
      furnished by the Servicer to the Administrator, for the benefit of the Lender,
      pursuant to Section 6.08(a).

     

    “Monthly
      Reporting Date”
means
      the seventh day of each calendar month or if such day is not a Business Day,
      the
      immediately preceding Business Day.

     

    “MSRP”
means,
      with respect to a Financed Vehicle, the manufacturer’s suggested retail price of
      such Financed Vehicle.

     

    “NADA”
means
      the National Auto Dealers Association and any successor thereto.

     

    “Net
      Collection Account Amount”
means,
      as of any date of determination, the amount of funds on deposit in the
      Collection Account at such time, net of any funds that are required to be set
      aside for the payment of accrued interest, the Administrator Fee, the
      Structuring Fee and the Unused Facility Fee, in each case then due and
      payable.

     

    “Non-Permitted
      Exception”
means,
      with respect to the Underwriting Guidelines, any of the following guidelines
      that are not eligible for exception: (i) no current or open bankruptcy, (ii)
      no
      APR exceeding state usury limits, (iii) no term exceeding 66 months, (iv) no
      deferred down payment or hold checks from the obligor, (v) no “straw” purchases
      by obligor for an indirect party, and (vi) no salvage or TMU - flood damaged
      vehicles.

     

    “Notes”
shall
      mean any promissory notes of Borrower evidencing the Advances made pursuant
      to
      this Agreement, if any, substantially in the form of Exhibit
      E.

     

    “Note
      Rate”
means,
      as of any date of determination, an interest rate per annum equal to the greater
      of (a) the Prime Rate for such date plus the Lender’s Spread and (b) the Floor
      Rate plus the Lender’s Spread; provided that after the occurrence of an Event of
      Default, the Note Rate shall be equal to the Default Funding Rate.

     

    “Notice
      of Borrowing”
has
      the
      meaning set forth in Section 2.02(b)
      hereof.

     

    
      
        
        

      

      
        Sch.
          I -
          12

        
          

        

      

      
        
        

      

    

     

    “Obligations”
means
      all present and future Debt and other liabilities, expenses and obligations
      (howsoever created, arising or evidenced, whether direct or indirect, absolute
      or contingent, or due or to become due) of the Borrower to the Lender, the
      Administrator, the Custodian, the Successor Servicer or any Affected Party
      arising under this Agreement and the other Transaction Documents, and shall
      include, without limitation, all liability for principal of and interest on
      the
      Advances, Facility Fees, reimbursable expenses, indemnifications and other
      amounts due or to become due under this Agreement and such other documents,
      including, without limitation, interest, fees and other obligations that accrue
      after the commencement of an insolvency proceeding (in each case whether or
      not
      allowed as a claim in such insolvency proceeding).

     

    “Obligor”
means
      a
      Person obligated to make payments with respect to a Contract.

     

    “Officer’s
      Certificate”
of
      any
      Person means a certificate signed by the chief executive officer, president,
      the
      secretary, the chief financial officer or any vice president of such
      Person.

     

    “Operating
      Documents”
means
      with respect to any corporation, limited liability company, partnership, limited
      partnership, limited liability partnership, trust or other legally authorized
      incorporated or unincorporated entity, the bylaws, operating agreement,
      partnership agreement, limited partnership agreement, trust agreement or other
      applicable documents relating to the operation, governance or management of
      such
      entity.

     

    “Opinion
      of Counsel”
means
      a
      written opinion of independent counsel acceptable to the Administrator, which
      opinion, if such opinion or a copy thereof is required by the provisions of
      this
      Agreement or the PCA to be delivered to the Borrower or the Administrator,
      is
      acceptable in form and substance to the Administrator.

     

    “Organizational
      Documents”
means
      with respect to any corporation, limited liability company, partnership, limited
      partnership, limited liability partnership, trust or other legally authorized
      incorporated or unincorporated entity, the articles of incorporation,
      certificate of incorporation, articles of organization, certificate of
      formation, certificate of limited partnership or other applicable organizational
      or charter documents relating to the creation of such entity.

     

    “Originator”
shall
      mean Freedom Financial Group, Inc., in its capacity as originator hereunder,
      and
      its successors and assigns.

     

    “Originator
      Net Investment Rate”
means,
      with respect to any Receivable, a fraction, expressed as a percentage, the
      numerator of which is the price (net of discounts and fees) at which the
      Originator purchased such Receivable from the applicable Dealer, and the
      denominator of which is the original Principal Balance of such
      Receivable.

     

    “Other
      Conveyed Property”
has
      the
      meaning set forth in the PCA.

     

    “Outstanding
      Advances”
means
      the aggregate principal balance of the Advances made to the Borrower for the
      initial and any subsequent Borrowings pursuant to Sections 2.01
      and
2.02,
      reduced
      from time to time by Collections received and distributed on account of the
      principal amount of such Advances pursuant to Section 2.04;
      provided,
      however,
      that
      such Advances outstanding shall not be reduced by any distribution of any
      portion of Collections if at any time such distribution is rescinded or must
      be
      returned for any reason.

     

    
      
        
        

      

      
        Sch.
          I -
          13

        
          

        

      

      
        
        

      

    

     

    “Outstanding
      Principal Balance”
means
      as of any date, with respect to any Receivable, the outstanding principal amount
      of such Receivable calculated using the Simple Interest Method.

     

    “Overconcentration
      Amount”
means
      on any date of determination, without duplication, the sum of:

     

    (i) the
      amount by which the sum of the Individual Borrowing Base Amounts with respect
      to
      all Eligible Receivables originated by any one Dealer exceeds fifteen percent
      (15.0%) of the Aggregate Individual Borrowing Base Amounts at such time;

     

    (ii) the
      amount by which the sum of the Individual Borrowing Base Amounts with respect
      to
      all Eligible Receivables that have a FICO Score at the time of origination
      of
      less than or equal to 525 exceeds thirty-three percent (33.0%) of the Aggregate
      Individual Borrowing Base Amounts at such time; 

     

    (iii) the
      amount by which the sum of the Individual Borrowing Base Amounts with respect
      to
      all Eligible Receivables that have a FICO Score at the time or origination
      of
      less than or equal to 575 exceeds seventy percent
      (70.0%) of the Aggregate Individual Borrowing Base Amounts at such time;
      and

     

    (iv) the
      amount by which the sum of the Individual Borrowing Base Amounts with respect
      to
      all Eligible Receivables that have been originated subject to an exception
      to
      the Underwriting Guidelines exceeds five percent (5.0%) of the Aggregate
      Individual Borrowing Base Amounts at such time; provided that, with respect
      to
      each Eligible Receivable, there may be no more than one exception to the
      Underwriting Guidelines and there may be no Non-Permitted Exceptions to the
      Underwriting Guidelines.

     

    “PCA”
means
      that certain Purchase and Contribution Agreement dated as of the date hereof
      between Freedom Financial, as seller, and the Borrower, as purchaser, in
      substantially the form of Exhibit G,
      as such
      PCA may from time to time be amended, supplemented or otherwise modified in
      accordance with the terms hereof and thereof.

     

    “Person”
means
      an individual, partnership, corporation (including a business trust), limited
      liability company, joint stock company, trust, unincorporated association,
      joint
      venture, government (or any agency or political subdivision thereof) or other
      entity.

     

    “Pledge”
means
      the pledge of, and grant of a security interest in, any Receivable as collateral
      security for the prompt and complete payment when due of the Obligations and
      the
      performance by the Borrower of all of the covenants and obligations to be
      performed by it pursuant to the Transaction Documents pursuant to Section 2.08.

     

    “Pledge
      Agreement”
means
      that certain Member Interest Pledge Agreement dated January 31, 2008, among
      the
      Administrator, the Borrower and Freedom Financial, pursuant to which Freedom
      Financial pledges its member interest in the Borrower to the Administrator,
      for
      the benefit of the Lender.

     

    
      
        
        

      

      
        Sch.
          I -
          14

        
          

        

      

      
        
        

      

    

     

    “Pledged
      Assets”
has
      the
      meaning set forth in Section 2.08.

     

    “Pledged
      Receivables”
has
      the
      meaning set forth in Section 2.08(a).

     

    “Prepayment
      Fee”
has
      the
      meaning specified in Section 2.13.

     

    “Prime
      Rate”
means,
      for any date of determination, the highest rate of interest (or if a range
      is
      given, the highest prime rate) published in The
      Wall Street Journal
      on such
      date as constituting the “prime rate” or “base rate” in such publication’s table
      of Money Rates
      or, if
The
      Wall Street Journal is
      not
      published on such date, then in The
      Wall Street Journal
      then
      most recently published.
      Any
      change in the Prime Rate shall become effective upon the date on which such
      change occurred regardless of when the parties had knowledge of such
      change.

     

    “Principal
      Distribution Amount”
means,
      with respect to a Settlement Date, an amount sufficient to reduce the principal
      amount of Outstanding Advances on such Settlement Date to an amount equal to
      (x) the Borrowing Base Deficiency (if any) as of the date immediately prior
      to such Settlement Date, or (y) on or after the occurrence of the
      Termination Date, the lesser of (i) all remaining funds in the Collection
      Account and (ii) an amount necessary to repay the outstanding principal
      amount of all Advances in full.

     

    “Proposed
      Sale Arrangement”
has
      the
      meaning set forth in Section
      9.16(b).

     

    “Proposed
      Sale Notice”
has
      the
      meaning set forth in Section 9.16(b).

     

    “Purchase
      Date”
has
      the
      meaning set forth in the PCA.

     

    “Receivable”
means
      any right to payment from an Obligor evidenced by a Contract.

     

    “Receivable
      File”
means
      (1) with respect to each Receivable originated on or after November 1,
      2007:

     

    (a) the
      duly
      executed original of the Contract evidencing such Receivable (together with
      any
      agreements modifying such Contract, including, without limitation, any extension
      agreements); 

     

    (b) the
      original Lien Certificate for the related Financed Vehicle securing such
      Receivable, or, if not yet received, a copy of the application therefor, showing
      Freedom Financial, as secured party and such documents, if any, that Freedom
      Financial keeps on file in accordance with its customary procedures indicating
      that the related Financed Vehicle is owned by the Obligor and subject to the
      interest of Freedom Financial, as first lienholder or secured party; copies
      of
      all documents needed for Freedom Financial to assign to the Borrower a first
      priority perfected security interest in such Financed Vehicle and the proceeds
      thereof;

     

    
      
        
        

      

      
        Sch.
          I -
          15

        
          

        

      

      
        
        

      

    

     

    (c) an
      original or a true and complete copy of a duly executed agreement of the Obligor
      to furnish insurance or an insurance certificate or other similar proof of
      insurance coverage with Freedom Financial listed as loss payee;

     

    (d) a
      true
      and complete copy of the credit application of the applicable Obligor;

     

    (e) a
      duly
      executed Dealer Assignment with respect to such Receivable;

     

    (f) if
      the
      related Financed Vehicle related to such Receivable is a used Vehicle, a true
      and complete copy of the odometer statement or odometer disclosure to the
      Obligor with respect to such Financed Vehicle;

     

    (g) a
      true
      and complete copy of the duly executed notice to co-signer delivered to the
      co-signer, if any, related to such Receivable;

     

    (h) a
      true
      and complete copy of the service contract or warranty, if any, and a true and
      complete copy of the GAP insurance certificate, if any, with respect to the
      Financed Vehicle related to such Receivable;

     

    (i) an
      insurance certificate or other evidence of credit life and disability insurance
      policy with respect to the Obligor related to such Receivable if any premiums
      for such credit life and disability insurance policy were included in the Amount
      Financed with respect to such Receivable;

     

    (j) a
      true
      and complete copy of the (i) NADA collateral value or Kelly Blue Book “book out”
with respect to the Financed Vehicle related to such Receivable if such Financed
      Vehicle is a used Vehicle or, if such value is not published or available,
      then
      the “like invoice” used by Freedom Financial in determining the collateral value
      of the related Financed Vehicle, or (ii) the invoice or block ticket with
      respect to the Financed Vehicle related to such Receivable if such Financed
      Vehicle is a new Vehicle;

     

    (k) true
      and
      complete copies of any lien releases necessary to release any outstanding lien
      on such Receivable or the related Financed Vehicle, as executed by the related
      secured lender(s);

     

    (l) true
      and
      complete copies of all underwriting documentation related to such Receivable,
      including, without limitation, documentation of the related Obligor’s residence,
      income and references; 

     

    (m) true
      and
      complete copies of all other agreements, documents and instruments evidencing,
      securing or guarantying such Receivable;

     

    (n) with
      respect to such Receivable, true and complete copies of:

     

    (i)       
      the
      related Approval Checklist;

     

    (ii)      
      the
      related Funding Notification;

     

    
      
        
        

      

      
        Sch.
          I -
          16

        
          

        

      

      
        
        

      

    

     

    (iii)     
      the
      related Exception Checklist;

     

    (iv)     
      the
      related Decision Sheet;

     

    (v)      
      the
      related Obligor’s credit bureau reports;

     

    (vi)     
      the
      related Verification Worksheet;

     

    (vii)    
the
      related Reference Sheet;

     

    (viii)    the
      related Obligor’s valid drivers license;

     

    (ix)      
      the
      related buyer’s order or bill of sale;

     

    (x)       
      the
      income verification for the related Obligor; and

     

    (xi)      
      the
      related Obligor’s proof of residence.

     

    and
      (2)
      with respect to each Receivable originated prior to November 1, 2007, the items
      specified in the foregoing clauses (a) through (e), (g) and (h).

     

    “Receivables
      Pool”
means
      at any time the aggregation of each then outstanding Receivable originated
      or
      acquired by Freedom Financial during a particular fiscal quarter of Freedom
      Financial. 

     

    “Receivables
      Schedule”
means
      a
      schedule of all Contracts evidencing Pledged Receivables, such schedule to
      (a)
      be in an electronic file format reasonably satisfactory to the Administrator,
      and (b) set forth the information required and requested by the Administrator
      and the Custodian to value and administer all of the Pledged Receivables,
      including, without limitation, the information with respect to each Contract
      required to calculate the Overconcentration Amount and identification of each
      Contract by (i) the account number; (ii) Obligor name and
      (iii) the Outstanding Principal Balance of the Receivable evidenced by such
      Contract as of the Borrowing Date on which it was Pledged
      hereunder.

     

    “Records”
means
      all documents, books, records and other information (including, without
      limitation, computer programs, tapes, disks, punch cards, data processing
      software and related property and rights) maintained with respect to Receivables
      and the related Obligors.

     

    “Recoveries”
means,
      with respect to any charged-off Receivable for any period, monies collected
      in
      respect thereof from whatever source, during such period, net of the sum of
      any
      reasonable expenses incurred by the Servicer in connection with the collection,
      repossession and disposition of the related Financed Vehicle and any amounts
      required by law to be remitted to the related Obligor.

     

    “Registrar
      of Titles”
means
      with respect to any State, the governmental agency or body responsible for
      the
      registration of, and the issuance of certificates of title relating to, motor
      vehicles and liens thereon.

     

    
      
        
        

      

      
        Sch.
          I -
          17

        
          

        

      

      
        
        

      

    

     

    “Related
      Security”
means
      with respect to any Receivable:

     

    (i) any
      and
      all security interests or liens and property subject thereto (including, without
      limitation, the related Financed Vehicle) from time to time purporting to secure
      payment of such Receivable;

     

    (ii) all
      guarantees, indemnities, warranties, letters of credit, insurance policies
      and
      proceeds and premium refunds thereof and other agreements or arrangements of
      whatever character from time to time supporting or securing payment of such
      Receivable;

     

    (iii) the
      Other
      Conveyed Property related to such Receivable; and

     

    (iv) all
      proceeds of the foregoing.

     

    “Release
      Price”
means
      with respect to a Pledged Receivable to be released hereunder, an amount equal
      to the Outstanding Principal Balance of such Pledged Receivable plus all accrued
      but unpaid interest thereon and the portion of the Facility Fees allocable
      to
      such Pledged Receivable thereon. 

     

    “Release
      Request”
has
      the
      meaning assigned to such term in Section
      6.15(d).

     

    “ReMark”
means
      ReMark Lending Co., a division of ReMark Capital Group, LLC, a Delaware limited
      liability company, and its successors and assigns.

     

    “Remittance
      Period”
means,
      (i) as to the initial Settlement Date, the period beginning on the date of
      this Agreement and ending on, and including, the last day of the calendar month
      immediately preceding such Settlement Date and (ii) as to any subsequent
      Settlement Date, the period beginning on the first day of the most recently
      ended calendar month and ending on, and including, the last day of the most
      recently ended calendar month; provided,
      that
      the final Remittance Period shall begin on, and include, the first day of the
      most recently ended calendar month and shall end on the Final Payment
      Date.

     

    “Repossessed
      Receivable”
means
      a
      Receivable with respect to which the related Financed Vehicle has been
      repossessed.

     

    “Required
      Audit”
means
      a
      Compliance Review or a Compliance Audit.

     

    “Servicer”
means
      at any time the Person then authorized, pursuant to Section 6.01,
      to
      service, administer and collect Pledged Receivables, which shall initially
      be
      Freedom Financial.

     

    “Servicer
      Delinquency Ratio”
means,
      as of the end of any calendar month, a percentage equal to (i) the aggregate
      outstanding principal balance as of the end of such calendar month of all
      Receivables serviced by the Servicer or any Affiliate thereof as to which the
      scheduled payment is more than 29 days contractually delinquent as of the end
      of
      such calendar month, including all Receivables for which the related Financed
      Vehicle has been repossessed and the proceeds thereof have not yet been realized
      by the Servicer divided by (ii) the aggregate outstanding principal balance
      of
      all Receivables serviced by the Servicer or any Affiliate thereof as of the
      end
      of such calendar month.

     

    
      
        
        

      

      
        Sch.
          I -
          18

        
          

        

      

      
        
        

      

    

     

    “Servicer
      Default”
means
      the occurrence of any of the following events: 

     

    (i) the
      failure of the Servicer to deliver to the Administrator the Monthly Remittance
      Report and Compliance Certificate on the Monthly Reporting Date;

     

    (ii) any
      failure by the Servicer to make a payment, transfer or deposit, or deliver
      to
      the Administrator any proceeds or payment required to be so delivered under
      the
      terms of the Transaction Documents to which it is a party within one (1)
      Business Day of the due date therefor;

     

    (iii) any
      failure on the part of the Servicer to duly observe or perform any other
      covenants or agreements of the Servicer set forth in the Transaction Documents
      to which the Servicer is a party, which failure would have a Material Adverse
      Effect on the rights or interests of the Administrator or the
      Lender;

     

    (iv) any
      representation, warranty or certification made by the Servicer in the
      Transaction Documents to which it is a party, or in any certificate delivered
      pursuant to the Transaction Documents to which it is a party, including without
      limitation any Notice of Borrowing, and Borrowing Base Certificate or any
      Monthly Remittance Report and Compliance Certificate, proves to have been
      incorrect when made, which (i) would have a Material Adverse Effect on the
      rights of the Administrator or the Lender, and (ii) if capable of remedy,
      continues unremedied for a period of ten (10) days after the earlier to occur
      of
      (x) discovery by a senior officer of the Servicer or (y) the date on which
      written notice thereof, requiring the same to be remedied, shall have been
      received by a senior officer of the Servicer; 

     

    (v) the
      occurrence of any Bankruptcy Event with respect to the Servicer;

     

    (vi)
       the
      Servicer Delinquency Ratio exceeds 23.00%; 

     

    (vii)
       the
      Facility Three Month Rolling Average Delinquency Ratio exceeds 22.00%;

     

    (viii) the
      Servicer Loss Ratio exceeds 16.50%; or

     

    (ix) the
      Facility Delinquency Ratio exceeds 21.00% for three (3) consecutive
      months.

     

    “Servicer
      Loss Ratio”
means,
      as of any date, the product of (a) the ratio of (x) the cumulative amount of
      charge-offs taken with respect to all Receivables serviced by Servicer during
      the immediately preceding calendar month, to (y) the aggregate outstanding
      principal balance of all Receivables serviced by Servicer as of the beginning
      of
      such immediately preceding calendar month, multiplied by (b) 12. 

     

    “Servicer
      Termination”
has
      the
      meaning set forth in Section
      7.01.

     

    
      
        
        

      

      
        Sch.
          I -
          19

        
          

        

      

      
        
        

      

    

     

    “Servicing
      Officer”
means
      any Person whose name appears on a list of Servicing Officers delivered to
      the
      Agent and the Custodian, as the same may be amended, modified or supplemented
      from time to time.

     

    “Servicing
      Policies and Procedures”
means
      the Loan Servicing Policy of Freedom Financial, as attached hereto as
Schedule
      II,
      as such
      policy may hereafter be amended, modified or supplemented from time to time
      in
      compliance with this Agreement.

     

    “Servicing
      Standard”
has
      the
      meaning set forth in Section
      6.01(b).

     

    “Settlement
      Date”
means
      the fifteenth day of each month, commencing February 15, 2008, or, if any such
      date is not a Business Day, the next succeeding Business Day; provided,
      that
      the final Settlement Date shall occur on the Final Payment Date.

     

    “Simple
      Interest Method”
means
      the method of allocating a fixed level payment on an obligation between
      principal and interest, pursuant to which the portion of such payment that
      is
      allocated to interest is equal to the product of the fixed rate of interest
      on
      such obligation multiplied by the period of time (expressed as a fraction of
      a
      year, based on the actual number of days in the calendar month and 365 days
      in
      the calendar year or any alternative method required under the applicable
      Contract) elapsed since the preceding payment under the obligation was
      made.

     

    “Simple
      Interest Receivable”
means
      a
      Receivable under which the portion of the payment allocable to interest and
      the
      portion allocable to principal is determined in accordance with the Simple
      Interest Method.

     

    “State”
means
      one of the fifty states of the United States or the District of
      Columbia.

     

    “Structuring
      Fee”
means
      a
      fee equal to $150,000 (1.00% of the Maximum Facility Amount), payable to the
      Lender on the Closing Date. The Structuring Fee shall be deemed fully earned
      by
      the Lender as of the Closing Date.

     

    “Subsequent
      Borrowing”
means
      a
      Borrowing which occurs on a Subsequent Borrowing Date.

     

    “Subsequent
      Borrowing Date”
has
      the
      meaning ascribed to such term in the definition of “Borrowing
      Date”.

     

    “Successor
      Servicer”
means
      any successor to Freedom Financial as Servicer of the Receivables.

     

    “Successor
      Servicing Fee”
means,
      for any Remittance Period after Freedom Financial is terminated as Servicer,
      an
      amount payable out of Collections on the Pledged Receivables and agreed to
      among
      the Successor Servicer, the Lender and the Administrator. 

     

    
      
        
        

      

      
        Sch.
          I -
          20

        
          

        

      

      
        
        

      

    

     

    “Supplemental
      Principal Distribution Amount”
means
      the amount, if any, of Available Funds remaining after distributions have been
      made pursuant to priorities (i) through (v) of Section
      2.04(a).

     

    “Tangible
      Net Worth”
means
      with respect to Freedom Financial, the amount calculated in accordance with
      GAAP
      as (a) the total stockholder’s or other equity of Freedom Financial and its
      consolidated subsidiaries, minus (b) the sum of (i) all subordinated Debt of
      Freedom Financial and its consolidated subsidiaries, (ii) all prepaid expenses
      of Freedom Financial and its consolidated subsidiaries, and (iii) all
      intangible assets of Freedom Financial and its consolidated subsidiaries,
      including, without limitation, goodwill, trademarks, tradenames, copyrights,
      patents, patent allocations, licenses and rights in any of the foregoing and
      other items treated as intangible assets in accordance with GAAP.

     

    “Tax”
means
      any present or future tax, levy, impost, duty, assessment, charge, fee,
      deduction or withholding of any nature and whatever called, by whomsoever,
      on
      whomsoever and wherever imposed, levied, collected, withheld or assessed;
      provided, “Tax on the overall net income” of a Person shall be construed as a
      reference to a tax imposed by the jurisdiction in which that Person is organized
      or in which that Person’s applicable principal office (and/or, in the case of
      Lender, its lending office) is located or in which that Person (and/or, in
      the
      case of Lender, its lending office) is deemed to be doing business on all or
      part of the net income, profits or gains (whether worldwide, or only insofar
      as
      such income, profits or gains are considered to arise in or to relate to a
      particular jurisdiction, or otherwise) of that Person (and/or, in the case
      of
      Lender, its lending office).

     

    “TCG”
means
      The Credit Group, Inc., a wholly-owned Canadian subsidiary of Freedom Financial
      and its successors.

     

    “Termination
      Date”
means
      the earliest of (i) the Facility Maturity Date, (ii) the date of the
      declaration or automatic occurrence of the Termination Date pursuant to
Section 7.01,
      (iii) at the option of the Lender in its sole discretion upon written
      notice to the Borrower, the occurrence of a Funding Termination Event, or
      (iv) the occurrence of the termination of this Agreement upon a prepayment
      in full of the Outstanding Advances pursuant to Section 2.13
      hereof.

     

    “Third
      Party Sale”
means
      any sale or other conveyance, on market terms, of any Receivables (regardless
      of
      whether such Receivables are owned by the Originator or the Borrower or
      constitute Pledged Receivables) to one or more Persons that are not affiliated
      with the Originator or the Borrower pursuant to which the Servicer’s servicing
      rights shall be released (or, if retained, the Servicer shall be paid a market
      rate of compensation for its servicing duties).

     

    “Transaction
      Documents”
means
      this Agreement, the PCA, the Pledge Agreement, the Guaranty, the Notes, if
      any,
      the Lockbox Account Control Agreement and all other documents, agreements and
      instruments delivered by the Borrower or any Guarantor to the Lender in
      connection with this Agreement, as the foregoing may be amended, supplemented
      or
      restated from time to time.

     

    
      
        
        

      

      
        Sch.
          I -
          21

        
          

        

      

      
        
        

      

    

     

    “UCC”
means
      the Uniform Commercial Code as from time to time in effect in the specified
      jurisdiction.

     

    “United
      States”
means
      the United States of America.

     

    “Underwriting
      Guidelines”
means
      the Underwriting Guidelines of Freedom Financial, as attached hereto as
Schedule
      IV
      as such
      guidelines may hereafter be amended, modified or supplemented from time to
      time
      in compliance with this Agreement.

     

    “Unused
      Facility Fee”
means
      a
      fee, payable to the Lender on each Settlement Date in arrears pursuant to
Section
      2.04,
      equal
      to the product of (i) 0.0208% and (ii) the excess of (a) the Maximum Facility
      Amount, over (b) the daily average outstanding Facility Amount during the
      related Interest Accrual Period; provided that the Unused Facility Fee for
      a
      Settlement Date shall be deemed to equal zero if the Weighted Average Advance
      Rate for such Settlement Date is less than 50.00%.

     

    “Utilization
      Percentage”
means,
      as of any date of determination, the percentage obtained by dividing (x) the
      sum
      of (i) the Facility Amount and (ii) the product of (A) the Maximum Weighted
      Average Advance Rate and (B) the aggregate Principal Balance of any Pledged
      Receivables sold by the Borrower or the Originator to ReMark in the past three
      (3) months, by (y) the Maximum Facility Amount.

     

    “Vehicle”
means
      a
      new or a used automobile, minivan, sports utility vehicle or light duty truck.
      

     

    “Warrants”
shall
      mean warrants for the purchase of up to 700,000 shares of common stock of
      Freedom Financial issued to the Lender or its designee pursuant to a Warrant
      Agreement in substantially the form attached hereto as Exhibit
      I.
      

     

    “Weighted
      Average Advance Rate”
means,
      as of any date of determination, the ratio of (a) the Facility Amount as of
      such
      date of determination over (b) the Aggregate Outstanding Principal Balance
      of
      Eligible Receivables as of such date of determination.

     

    “Weighted
      Average Note Rate”
means,
      for any Interest Accrual Period, the weighted average Note Rate for each day
      during such Interest Accrual Period, weighted on the basis of the Outstanding
      Advances related to each Pledged Receivable as of each such day.

     

    
      
        
        

      

      
        Sch.
          I -
          22

        
          

        

      

      
        
        

      

       

    

    SCHEDULE
      II

     

    LOAN
      SERVICING POLICY

     

    Collection
      Department Structure:

     

    Our
      account mangers handle the customer accounts from cradle to grave as determined
      alphabetically. This gives our account managers a defined responsibility. This
      also helps in managing the account managers work load by adjusting the range
      of
      alphabet they handle. 

     

    Collection
      Correspondence:

     

    Collection
      letters that are sent to our customers come from a suite of letters that have
      been stored on our computer program. These letters have been reviewed and
      approved by legal and management. Collectors do not send out self styled letters
      to customers.

     

    The
      initial billing statement goes out to all customers 20 days before the payment
      becomes due. Past due notices are sent out at 10 days past due and again at
      40
      days past due and every 30 days thereafter as long as the customer continues
      past due. The other letters available to the collectors are sent out as the
      collectors deem necessary.

     

    Collection
      Calls:

     

    Our
      collectors make collection phone calls from a queue of customers. The delinquent
      customers are scored with the highest score customers being first in the
      collection queue. Collection procedures are initiated on the first day an
      account becomes one day past due and continue on a daily basis until that
      account is resolved by either paying up to date or reaching a satisfactory
      agreement as to a payment arrangement. 

     

    Repossession
      of Collateral:

     

    Repossessions
      are not initiated by a defined trigger date. All repossessions are done on
      a
      case by case basis with account managers having the responsibility to determine
      when collection activities have been exhausted and repossession is the last
      cure.

     

    Once
      the
      account manager feels it is necessary to move against the collateral they fill
      out a request form which is then approved by the Collection Supervisor and
      the
      Collections Manager. This way we keep the chance of an unwarranted repossession
      to a minimum and give the collection management another opportunity to review
      collection procedures and training.

     

    Due
      Date Changes:

     

    Due
      date
      changes are granted on a limited case-by-case basis as deemed appropriate by
      our
      Collections Manager and Collections Supervisor. Due date changes are typically
      granted in situations to align a customer’s payment due date with the customer’s
      regularly scheduled paycheck.

     

    
      
        
        

      

      
        Sch.
          II -
          1

        
          

        

      

      
        
        

      

    

     

    SCHEDULE
      III

     

    DEFERMENT
      POLICY

     

    1. Extensions
      shall be granted on a case-by-case basis after consideration of all of the
      relevant facts and circumstances.

     

    2. As
      a
      general guideline, extensions shall be granted to borrowers who have a previous
      history of timely payments and who, after receiving an extension, are likely
      to
      continue to make payments in a timely manner.

     

    3. Typical
      situations where an extension might be granted include a) borrowers who have
      suffered a temporary employment layoff, but are now employed again or b)
      borrowers who have experienced a large unexpected expenditure (such as a
      hospital charge) that causes them to be unable to make a particular scheduled
      payment.

     

    4. No
      borrower shall be granted more than one extension in any 12 month
      period.

     

    5. No
      borrower shall be granted more than 2 extensions over the life of the
      loan.

     

    6. At
      any
      given point in time, no more than 15% of all loans in the portfolio shall have
      been granted an extension.

     

    
      
        
        

      

      
        Sch.
          III -
          1

        
          

        

      

      
        
        

      

    

     

    SCHEDULE
      IV

     

    UNDERWRITING
      GUIDELINES

     

    
      	
              v

            	
              Application
                review

            

    

    

    
      	 	
              ·

            	
              Applicant
                must have $1500/mo gross income. Will combine income for married
                couple if
                necessary to meet minimum.

            

    

    

    
      	 	
              §

            	
              Maximum
                DTI 45% (40% if income less than
                $1600)

            

    

    
      	 	
              §

            	
              Maximum
                PTI 20% (15% if income less than
                $1600)

            

    

    

    
      	 	
              ·

            	
              Must
                be able to verbally verify 12 months employment. If less than 12
                months on
                current job, must have 3 yrs work history in file.
                

            

    

    

    
      	
            	·	
              If
                residence is less than 1 yr, must have 3 yr residence history in
                file. 

            

    

    

    
      	
              v

            	
              Credit
                Review

            

    

    

    
      	 	
              ·

            	
              Require
                minimum of 3 trade lines in file, or car credit/equivalent installment
                loan 

            

    

    

    
      	 	
              ·

            	
              No
                open bankruptcy accounts. 

            

    

    

    
      	 	
              ·

            	
              Re-establishment
                of credit since bankruptcy is
                required

            

    

    

    
      	
              v

            	
              Collateral
                Review

            

    

    

    
      	 	
              ·

            	
              Maximum
                age of vehicle is 8 calendar years

            

    

    

    
      	 	
              ·

            	
              Ineligible
                vehicles include Daewoo, commercial vehicles, and vehicles with branded
                or
                salvaged titles

            

    

    

    
      	 	
              ·

            	
              Maximum
                term 

            

    

    

    
      	 	
              §

            	
              60
                months on units no older than 3 yrs with mileage under 30K
                miles

            

    

    
      	 	
              §

            	
              54
                months on units with mileage 30,001-60K
                miles

            

    

    
      	 	
              §

            	
              48
                months on units with mileage 60,001-85K
                miles

            

    

    
      	 	
              §

            	
              42
                months on units with mileage 85,001-105K
                miles

            

    

    

    
      	 	
              ·

            	
              Maximum
                mileage on vehicle 105K miles

            

    

    

    
      	
              v

            	
              Rates
                & Advance

            

    

    

    
      	 	
              ·

            	
              Rates
                are based on credit scores and aligned within our 3-tier
                system

            

    

     

    
      
        
        

      

      
        Sch.
          IV - 1

        
          

        

      

      
        
        

      

    

     

    
      	 	
              ·

            	
              Maximum
                advance 110% NADA trade in value (includes tax, title &
                license)

            

    

    

    
      	 	
              ·

            	
              Backend
                products may be allowed at up to 15% NADA trade in value
                

            

    

    

    
      	 	
              ·

            	
              Acquisition
                fees are based on credit score and range from $195 -
                $695

            

    

     

    
      
        
        

      

      
        Sch.
          IV - 2

        
          

        

      

      
        
        

      

    

    

    SCHEDULE
      V

     

    REPRESENTATIONS
      AND WARRANTIES WITH RESPECT TO ELIGIBLE
RECEIVABLES

     

    The
      following representations and warranties are made by the Borrower with respect
      to only the Receivables which are designated as being Eligible Receivables
      on a
      Borrowing Base Certificate or a Monthly Remittance Report and Compliance
      Certificate or are otherwise represented to the Administrator or the Lender
      as
      being Eligible Receivables.

     

    1. Each
      Receivable has an original term of 24 to 60 months.

     

    2. Each
      Receivable is not a Delinquent Receivable or a Liquidated Receivable.

     

    3. Each
      Receivable satisfies in all material respects, including but not limited to,
      down-payment provisions, the requirements of Freedom Financial’s Underwriting
      Guidelines as in effect on the Closing Date or as otherwise amended from time
      to
      time in compliance with the Agreement; provided that up to five percent (5.0%)
      of the Pledged Receivables (by outstanding principal balance as of the related
      Cut-off Date) may be originated subject to no more than one exception to such
      Underwriting Guidelines.

     

    4. Each
      Receivable was purchased by Freedom Financial from an approved Dealer located
      in
      the States of Indiana, Illinois, Kansas, Missouri, Oklahoma and
      Tennessee.

     

    5. Each
      Receivable is denominated in U.S. dollars and the Receivable File for each
      Receivable contains (i) a photocopy of each Obligor’s valid and current driver’s
      license which indicates that such Obligor is currently residing in the United
      States, and (ii) documented social security information for such
      Obligor.

     

    6. Each
      Receivable is secured by a Financed Vehicle and a valid first priority perfected
      security interest is in effect with respect to such Financed
      Vehicle.

     

    7. Each
      Receivable is owned solely by the Originator free and clear of any Adverse
      Claim, excluding liens that will be released no later than the related Borrowing
      Date.

     

    8. The
      related security interest in the related Financed Vehicle is perfected and
      with
      clear legal right of repossession and such security interest has been assigned
      to the Borrower by Freedom Financial and is in full force and effect and is
      not
      subject to any Adverse Claims.

     

    9. As
      of the
      date such Receivable was acquired by the Borrower pursuant to the PCA, the
      Financed Vehicle securing such Receivable was covered by a comprehensive and
      collision Insurance Policy (i) in an amount at least equal to the lesser of
      (a) its maximum insurable value and (b) the principal amount due from
      the Obligor under the related Receivable, (ii) naming Freedom Financial as
      loss payee and (iii) insuring against loss and damage due to fire, theft,
      transportation, collision and other risks generally covered by comprehensive
      and
      collision coverage and the related Obligor is required to maintain physical
      loss
      and damage insurance, naming Freedom Financial as loss payee. All necessary
      steps have been taken in order to assign Freedom Financial’s rights as loss
      payee under the aforementioned insurance policies to the Borrower and to pledge
      such rights from the Borrower to the Administrator, for the benefit of the
      Lender.

     

    
      
        
        

      

      
        Sch.
          V - 1

        
          

        

      

      
        
        

      

    

     

    10. Each
      Receivable meets, in all material respects, applicable requirements of federal,
      state, and local laws and regulations (including, without limitation, usury
      laws, the Federal Truth-in-Lending Act, the Equal Credit Opportunity Act, the
      Fair Credit Billing Act, the Fair Credit Reporting Act, the Fair Debt Collection
      Practices Act, the Federal Trade Commission Act, the Magnuson-Moss Warranty
      Act,
      the Federal Reserve Board’s Regulations “B” and “Z”, the Servicemembers Civil
      Relief Act, and state adaptations of the National Consumer Act and of the
      Uniform Consumer Credit Code and all other consumer credit laws and equal credit
      opportunity and disclosure laws).

     

    11. Each
      Receivable is not subject to any right of setoff by the related
      Obligor.

     

    12. Each
      Receivable will be clearly marked in the books and records of Freedom Financial
      as having been sold to the Borrower and as being subject to a first priority
      security interest granted by the Borrower to the Administrator for the benefit
      of the Lender.

     

    13. Each
      Receivable was purchased at the point-of-sale from a Dealer, and is not part
      of
      a bulk portfolio purchase.

     

    14. Each
      Receivable has an original Principal Balance of not less than $5,000, and not
      more than $25,000.

     

    15. Each
      such
      Receivable (i) was originated by a Dealer for the retail sale of a Financed
      Vehicle in the ordinary course of such Dealer’s business and such Dealer was in
      good standing and had all necessary licenses and permits to originate
      Receivables in the state where such Dealer was located at such time of
      origination, (ii) was fully and properly executed by the parties thereto,
      and was purchased by Freedom Financial from such Dealer under an existing Dealer
      Agreement and was validly assigned by such Dealer to Freedom Financial,
      (iii) is evidenced by a Contract which contains customary and enforceable
      provisions such as to render the rights and remedies of the holder thereof
      adequate for realization against the collateral security related thereto, and
      (iv) is evidenced by a Contract which provides for level monthly payments
      which, if made when due, shall fully amortize the Amount Financed over the
      original term and in any event does not provide for any scheduled monthly
      payment to be in an amount in excess of 110% of any other scheduled monthly
      payment thereunder.

     

    16. Each
      such
      Receivable was originated without any fraud or material misrepresentation on
      the
      part of the Obligor or Freedom Financial. Each such Receivable that was sold
      or
      contributed by Freedom Financial to the Borrower was sold or contributed without
      any fraud or material misrepresentation on the part of Freedom
      Financial.

     

    
      
        
        

      

      
        Sch.
          V - 2

        
          

        

      

      
        
        

      

    

     

    17. Each
      such
      Receivable is evidenced by a Contract which complies with all applicable
      requirements of law, represents the genuine, legal, valid and binding payment
      obligation of the Obligor thereon, enforceable by the holder thereof in
      accordance with its terms, except as enforceability may be limited by
      bankruptcy, insolvency, reorganization or 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; and all parties to such Contract had full
      legal capacity to execute and deliver such Contract and all other documents
      related thereto and to grant the security interest purported to be granted
      thereby and such Receivable has not been prepaid or repaid in full.

     

    18. The
      information pertaining to each such Receivable set forth in the Schedule of
      Receivables (as defined in the PCA), the related Assignment, each Notice of
      Borrowing, each Borrowing Base Certificate and each Monthly Remittance Report
      and Compliance Certificate is true and correct in all material
      respects.

     

    19. All
      electronic transmissions of information with respect to each Receivable provided
      by the Servicer to the Administrator from time to time was complete and accurate
      in all material respects as of the date so provided.

     

    20. All
      filings (including, without limitation, UCC filings) required to be made by
      any
      Person and all actions required to be taken or performed by any Person in any
      jurisdiction to give the Administrator, for the benefit of the Lender, a first
      priority perfected lien on such Receivables and the Other Conveyed Property
      related thereto and the proceeds thereof have been made, taken or
      performed.

     

    21. With
      respect to each such Receivable there exists a Receivable File and such
      Receivable File contains each item required pursuant to the definition of the
      term Receivable File; and a copy of such Receivable File has been delivered
      to
      the Custodian.

     

    22. No
      such
      Receivable has been satisfied, subordinated or rescinded, and the Financed
      Vehicle securing such Receivable has not been released from the lien of the
      Administrator, for the benefit of the Lender, in whole or in part.

     

    23. No
      such
      Receivable was originated in, or is subject to the laws of, any jurisdiction
      the
      laws of which would make unlawful, void or voidable the sale, transfer and
      assignment of such Receivable under the PCA and this Agreement and Freedom
      Financial has not entered into any agreement with any Obligor that prohibits,
      restricts or conditions the assignment of any portion of such
      Receivable.

     

    24. No
      such
      Receivable has been sold, transferred, assigned or pledged by Freedom Financial
      to any Person other than the Borrower. No Dealer has a participation in, or
      other right to receive, Collections of any such Receivable, and Freedom
      Financial has not taken any action to convey any right to any Person that would
      result in such Person having a right to payments received under the related
      Dealer Agreement, the related Insurance Policy or to payments due under such
      Receivable. All origination fees with respect to such Receivable have been
      paid
      in full. Any Dealer participation payments relating to such Receivable due
      from
      Freedom Financial were paid to the applicable Dealer prior to the purchase
      by,
      or contribution to, the Borrower of such Receivable pursuant to the
      PCA.

     

    
      
        
        

      

      
        Sch.
          V - 3

        
          

        

      

      
        
        

      

    

     

    25. Freedom
      Financial has not done anything to convey any right to any Person that would
      result in such Person having a right to payments due under any Receivable or
      otherwise to impair the rights of the Borrower or the Lender in such Receivable
      or the proceeds thereof.

     

    26. No
      such
      Receivable is assumable by another Person in a manner which would release the
      Obligor thereof from such Obligor’s obligations to Freedom Financial or the
      Borrower.

     

    27. No
      such
      Receivable is subject to any litigation or right of rescission, setoff,
      counterclaim or defense as of the date acquired by the Borrower pursuant to
      the
      PCA.

     

    28. With
      respect to each such Receivable, the Lien Certificate for the related Financed
      Vehicle shows or if a new or replacement Lien Certificate is being applied
      for
      with respect to such Financed Vehicle, the Lien Certificate being applied for
      will show Freedom Financial named as the first priority secured party under
      such
      Receivable and, accordingly, Freedom Financial will be the holder of a first
      priority security interest in such Financed Vehicle (except, as to priority,
      for
      any tax lien or mechanic’s lien arising after the related Purchase Date). With
      respect to each such Receivable for which the Lien Certificate has not yet
      been
      returned from the applicable Registrar of Titles, Freedom Financial has received
      written evidence from the related Dealer or the Obligor (in a form acceptable
      to
      the Borrower and the Administrator) that such Lien Certificate showing Freedom
      Financial, as first lienholder has been applied for. If the Receivable was
      originated in a State in which a filing or recording is required of the secured
      party to perfect a security interest in motor vehicles, such filings or
      recordings have been duly made to show Freedom Financial named as the first
      priority secured party under the related Receivable.

     

    29. No
      selection procedures adverse to the Borrower or the Lender have been utilized
      in
      selecting any such Receivable from all other similar Receivables originated
      or
      purchased by Freedom Financial.

     

    30. The
      Dealer that sold the Financed Vehicle related to such Receivable had good and
      marketable title to such Financed Vehicle free and clear of all claims, liens,
      encumbrances, and rights of all third parties immediately prior to the sale
      of
      such Financed Vehicle to the applicable Obligor (other than any claims, liens,
      encumbrances, and rights of third parties which were terminated upon the
      consummation of such sale).

     

    31. If
      the
      Financed Vehicle related to such Receivable is a used vehicle, it was never
      subject to a “salvage” title or been declared a total loss by an insurance
      company and it does not currently have a “True Mileage Unknown” (TMI)
      designation.

     

    32. If
      such
      Receivable was purchased by Freedom Financial from a Dealer, such Dealer was
      the
      sole and unconditional owner of the related Contract and any guaranty made
      in
      connection with such Contract and had the right and authority to assign the
      Contract and any such guaranty to Freedom Financial. All amounts due and owing
      to such Dealer by Freedom Financial in respect of such Receivable have been
      paid
      in full to such Dealer.

     

    
      
        
        

      

      
        Sch.
          V - 4

        
          

        

      

      
        
        

      

    

     

    33. The
      Contract related to such Receivable and the other documents related thereto
      were
      duly and properly executed by each party thereto, and such Contract arose from
      the completed delivery of a Vehicle to an Obligor which Vehicle has been
      accepted by the Obligor. 

     

    34. The
      Financed Vehicle related to such Receivable is not subject to any tax or
      mechanic’s lien as of the date acquired by the Borrower pursuant to the
      PCA.

     

    35. The
      Financed Vehicle related to such Receivable has not been repossessed from the
      related Obligor.

     

    36. Each
      such
      Receivable is a Simple Interest Receivable.

     

    37. Each
      such
      Receivable and the Other Conveyed Property related thereto is free and clear
      of
      any Adverse Claim, other than tax and mechanic’s liens with respect to the
      Financed Vehicle related to such Receivable or any lien or claim on a Financed
      Vehicle subordinate in priority to the security interest of the Borrower in
      such
      Financed Vehicle.

     

    38. Each
      such
      Receivable has been duly and validly assigned by Freedom Financial to the
      Borrower pursuant to the PCA and the related Assignment and the Borrower has
      good and marketable title to such Receivable.

     

    39. The
      original terms of such Receivable have not been modified to change either the
      amount, amortization, maturity date, interest rate or other payment terms (other
      than any payment extension which has been granted pursuant to the terms of
      the
      Deferment Policy) pursuant to the related Contract for any reason after the
      pledge of such Receivable hereunder.

     

    40. No
      Receivable shall be owned or transferred to Borrower by TCG

     

    
      
        
        

      

      
        Sch.
          V - 5

        
          

        

      

      
        
        

      

    

     

    Schedule
      VI 

     

    TRADENAMES,
      FICTITIOUS NAMES

    AND
      “DOING BUSINESS AS” NAMES

     

     

    Freedom
      Financial Group of Delaware, Inc.

     

    Freedom
      Financial Group of Illinois, Inc.

     

    Freedom
      Financial Group of Indiana, Inc.

     

    Freedom
      Financial Group of Michigan, Inc.

     

    Freedom
      Financial Group of Missouri, inc.

     

    Freedom
      Financial Group of North Carolina, Inc.

     

    Freedom
      Financial Group of Ohio

     

    Freedom
      Financial Group of Oklahoma

     

    FFG
      of
      Texas, Inc. 

     

    
      
        
        

      

      
        Sch.
          VI - 1

        
          

        

      

      
        
        

      

    

    Schedule
      VII 

     

    EXISTING
      SUBORDINATED DEBT

     

    
      	
              Creditor
                Name

            	
               

            	
              Outstanding
                Principal Balance

            	
               

            	
              Maturity
                Date

            
	 	 	 	 	 
	
              None

            	
               

            	
              N/A

            	
               

            	
              N/A

            

    

     

    
      
        
        

      

      
        Sch.
          VII -
          1

        
          

        

      

      
        
        

      

    

    EXHIBIT
      A-1

     

    FORM
      OF
      NOTICE OF BORROWING

    

    Archon
      Group, L.P., as Administrator

    6011
      Connection Drive

    Irving,
      Texas 75039

    

    
      	 	
              Re:

            	
              Revolving
                Loan and Security Agreement, dated as of January 31, 2008 (the
                “Loan
                Agreement”)
                by and among Freedom Financial Auto Receivables, LLC, a Delaware
                limited
                liability company, as Borrower, Freedom Financial Group, Inc.,
                individually and as Servicer, Archon Group, L.P., a Delaware limited
                partnership, as Administrator and Custodian, and ReMark Lending Co.,
                a
                division of ReMark Capital Group, LLC, a Delaware limited liability
                company, as Lender

            

    

     

    Reference
      is hereby made to the Loan Agreement. Capitalized terms used and not otherwise
      defined herein shall have the meaning given to them in the Loan Agreement.
      The
      Borrower hereby gives you irrevocable notice, pursuant to Section 2.02(b) of
      the
      Loan Agreement, that the Borrower hereby requests a Borrowing under the Loan
      Agreement, and in that connection sets forth below the information relating
      to
      such Borrowing (the “Proposed Borrowing”) as required by Section 2.02(b) of the
      Loan Agreement:

     

    (i) The
      aggregate amount of the Proposed Borrowing is $[__________]1 .
      

     

    (ii) The
      Borrowing Date for the Proposed Borrowing is [____________].

     

    (iii) The
      Facility Amount, after giving effect to the Proposed Borrowing, will be
      $[_________________].

     

    Attached
      hereto as Schedule
      A
      is a
      true, correct and complete copy of the Interim Receivables Schedule for the
      Eligible Receivables to be Pledged in connection with the Proposed Borrowing.
      Attached hereto as Schedule
      B
      is a
      true, correct and complete Borrowing Base Certificate for the Proposed
      Borrowing.

     

    The
      undersigned hereby certifies that the following statements are true on the
      date
      hereof, and will be true on the Borrowing Date for the Proposed
      Borrowing:

     

    (A) the
      representations and warranties contained in the Loan Agreement and in the other
      Transaction Documents are and will be true and correct in all material respects,
      both before and after giving effect to the Proposed Borrowing and to the
      application of the proceeds thereof, as though made on such date, unless stated
      to relate to a specific earlier date, in which case such representations and
      warranties shall be true and correct in all material respects as of such earlier
      date, as the case may be; and

     

    
      
        

      

    

    1
      Not less than $200,000.

     

    
      
        
        

      

      
        Ex.
          A -1-
          1

        
          

        

      

      
        
        

      

    

    
       

    

    (B) no
      Default or Event of Default has occurred and is continuing, or would result
      from
      such Proposed Borrowing or from the application of the proceeds
      thereof.

     

    IN
      WITNESS WHEREOF, this Certificate is executed as of ____________,
      20__.

     

    
      	
              FREEDOM
                FINANCIAL AUTO RECEIVABLES, LLC

            
	 	 
	 	 
	
              By:

            	 

	
              Name:

            	 

	
              Title:

            	 

    

     

    
      
        
        

      

      
        Ex. A -1-
          2

        
          

        

      

      
        
        

      

    

     

    EXHIBIT
      A-2

     

    FORM
      OF
      BORROWING BASE CERTIFICATE

    

    Archon
      Group, L.P., as Administrator

    6011
      Connection Drive

    Irving,
      Texas 75039

    

    
      	 	
              Re:

            	
              Revolving
                Loan and Security Agreement, dated as of January 31, 2008 (the
                “Loan
                Agreement”)
                by and among Freedom Financial Auto Receivables, LLC, a Delaware
                limited
                liability company, as Borrower, Freedom Financial Group, Inc.,
                individually and as Servicer, Archon Group, L.P., a Delaware limited
                partnership, as Administrator and Custodian, and ReMark Lending Co.,
                a
                division of ReMark Capital Group, LLC, a Delaware limited liability
                company, as Lender

            

    

     

    Reference
      is hereby made to the Loan Agreement. Capitalized terms used and not otherwise
      defined herein shall have the meaning given to them in the Loan Agreement.
      This
      Borrowing Base Certificate (this “Certificate”)
      is
      being delivered to you pursuant to Section 6.08(b) of the Loan Agreement. The
      Servicer and the Borrower hereby jointly and severally represent and warrant
      to
      you and the Lender as follows:

     

    (a) There
      does not exist on the date hereof any condition or event which constitutes
      a
      Default or Event of Default;

     

    (b) The
      representations and warranties of the Servicer and the Borrower in the
      Transaction Documents are true and correct as of the date hereof;

     

    (c) Each
      Receivable listed on the Interim Receivables Schedule attached to the
      accompanying Notice of Borrowing is an Eligible Receivables and each of the
      conditions precedent to Borrowing set forth in Article III of the Loan Agreement
      have been or will be satisfied on or prior to the related Borrowing
      Date;

     

    (d) After
      giving effect to the Borrowing requested by the Borrower on the Borrowing Date
      specified in the accompanying Notice of Borrowing, (i) the Facility Amount
      will
      not exceed the lesser of (x) the Maximum Facility Amount and (y) the Borrowing
      Base, and (ii) Freedom Financial shall be in compliance with the financial
      covenants set forth in subclauses (ii) through (iv) of Section 5.01(b) of the
      Loan Agreement; and

     

    (e) The
      officers signing this Certificate are the duly elected, qualified and acting
      officers of the Servicer and the Borrower, respectively, as indicated below
      such
      officer’s signature hereto.

     

    
      
        
        

      

      
        Ex. A -2-
          1

        
          

        

      

      
        
        

      

    

    IN
      WITNESS WHEREOF, this Certificate is executed as of ____________,
      20__.

    

    
      	
              FREEDOM
                FINANCIAL GROUP, INC.

            
	 	 
	 	 
	
              By:

            	 

	
              Name:

            	 

	
              Title:

            	 

	 	 
	 	 
	
              FREEDOM
                FINANCIAL AUTO RECEIVABLES, LLC

            
	 
	 
	
              By:

            	 

	
              Name:

            	 

	
              Title:

            	 

    

     

    
      
        
        

      

      
        Ex. A -2-
          2

        
          

        

      

      
        
        

      

    

     

    EXHIBIT
      B

    

      FORM
        OF MONTHLY REMITTANCE REPORT AND COMPLIANCE CERTIFICATE

       

      The
        undersigned hereby certifies that he is the Chief Financial Officer of Freedom
        Financial Group, Inc., a Delaware corporation (“Freedom
        Financial”),
        and
        that as such he is authorized to execute this certificate on behalf of the
        Servicer (as defined below). With reference to the Revolving Loan and Security
        Agreement dated as of January 31, 2008 (together with all amendments or
        supplements thereto being the “Loan
        Agreement”),
        among
        Freedom Financial, in its individual capacity and as servicer (in such capacity,
        the “Servicer”),
        Freedom Financial Auto Receivables, LLC, a Delaware limited liability company
        (the “Borrower”),
        Archon Group, L.P., as administrator (in such capacity, the “Administrator”)
        and
        custodian (in such capcity, the “Custodian”),
        and
        ReMark Lending Co., a division of ReMark Capital Group, LLC (the “Lender”),
        the
        undersigned represents and warrants as follows (each capitalized term used
        herein having the same meaning given to it in the Loan Agreement unless
        otherwise specified):

       

      
        	 	
                (a)

              	
                The
                  representations and warranties of the Borrower, Freedom Financial
                  and the
                  Servicer in each of the Transaction Documents were true and correct
                  in all
                  material respects when made, and are repeated at and as of the
                  time of
                  delivery hereof and to the best of the undersigned’s knowledge are true
                  and correct in all material respects at and as of the time of delivery,
                  except as such representations and warranties are modified to give
                  effect
                  to the transactions expressly permitted by the Loan Agreement and
                  except
                  for such representations and warranties as are by their express
                  terms
                  limited to a specific date
                  and except as otherwise disclosed to the Administrator and the
                  Lender in
                  writing.

              

      

       

      
        	 	
                (b)

              	
                Each
                  of the Borrower, Freedom Financial and the Servicer has performed
                  and
                  complied with all agreements and conditions applicable to it contained
                  in
                  the Transaction Documents required to be performed or complied
                  with by it
                  prior to or at the time of delivery
                  hereof.

              

      

       

      
        	 	
                (c)

              	
                Since
                  the later of the date of the Loan Agreement or the Servicer’s most recent
                  Monthly Remittance Report and Compliance Certificate no change
                  has
                  occurred, either in any case or in the aggregate, in the business,
                  financial condition or results of operations, of the Borrower,
                  Freedom
                  Financial or the Servicer which would have a Material Adverse
                  Effect.

              

      

       

      
        	 	
                (d)

              	
                The
                  Servicer hereby certifies that no Default or Event of Default has
                  occurred
                  or is continuing at the time of delivery
                  hereof.

              

      

       

      
        	 	
                (e)

              	
                At
                  the time of delivery hereof, Freedom Financial is in compliance
                  with the
                  financial covenants set forth in clauses (ii) through (iv) of Section
                  5.08(b) of the Loan Agreement.

              

      

       

      
        	 	
                (f)

              	
                The
                  information set forth in the attached remittance report is accurate
                  as of
                  the last day of the Remittance Period immediately preceding the
                  date
                  hereof.

              

      

      
         

        
          
            
            

          

          
            Ex. B -
              1

            
              

            

          

          
            
            

          

           

        

      

      EXECUTED
        AND DELIVERED this _____ day of _____________________.

       

      
        	 	
                SERVICER:

              
	 	 
	 	
                FREEDOM
                  FINANCIAL GROUP, INC.

              
	 	 
	 	
                By:__________________________________

              
	 	
                Name:________________________________

              
	 	
                Title:_________________________________

              

      

    

     

    
      
        
        

      

      
        Ex. B -
          2

        
          

        

      

      
        
        

      

    

     

    EXHIBIT
      C

     

    FORM
      OF
      COLLATERAL RECEIPT

     

    _______________,
      200__

     

    ReMark
      Lending Co.

    c/o
      ReMark Capital Group, LLC

    60
      Columbus Circle, 20th
      Floor

    New
      York,
      New York 10023

    

     

    
      	 	
              Re:

            	
              Revolving
                Loan and Security Agreement, dated as of January 31, 2008 (the
                “Loan
                Agreement”)
                by and among Freedom Financial Auto Receivables, LLC, a Delaware
                limited
                liability company, as Borrower, Freedom Financial Group, Inc.,
                individually and as Servicer, Archon Group, L.P., a Delaware limited
                partnership, as Administrator and Custodian, and ReMark Lending Co.,
                a
                division of ReMark Capital Group, LLC, a Delaware limited liability
                company, as Lender

            

    

     

    In
      accordance with the provisions of Section 6.15 of the Loan Agreement, the
      undersigned, as Custodian, hereby certifies that it has reviewed the Receivable
      Files delivered to it pursuant to Section 2.1(b)(xi) of the PCA with respect
      to
      the Receivables to be transferred thereunder on [__________,
      ____]
      (the
“Funding
      Date”)
      and
      has determined that it has received a complete Receivable File for each
      Receivable identified in the Schedule A to the Addition Notice dated
[____________,
      ______]
      (other
      than (i) any Receivable paid in full or (ii) any Receivable listed on
Schedule I
      hereto,
      which schedule notes any exceptions).

     

    [REMAINDER
      OF THIS PAGE INTENTIONALLY LEFT BLANK]

     

    
      
        
        

      

      
        Ex.
          C -1

        
          

        

      

      
        
        

      

    

    The
      Custodian further acknowledges that it is holding the Receivable Files
      exclusively as custodian, agent and bailee in trust for the benefit of the
      Administrator and the Lender.

     

    
      	
              ARCHON
                GROUP, L.P.

            
	 	 
	 	 
	
              By:

            	 

	
              Name:

            	 

	
              Title:

            	 

    

     

    
      
        
        

      

      
        Ex.
          C - 2

        
          

        

      

      
        
        

      

    

     

    EXHIBIT
      D

     

    FORM
      OF RELEASE REQUEST

     

    January
      31, 2008

     

    Archon
      Group LP

    6011
      Connection Drive

    Irving,
      Texas 75039 

    

    
      	 	
              Re:

            	
              Revolving
                Loan and Security Agreement, dated as of January 31, 2008 (the
                “Loan
                Agreement”)
                by and among Freedom Financial Auto Receivables, LLC, a Delaware
                limited
                liability company, as Borrower, Freedom Financial Group, Inc.,
                individually and as Servicer, Archon Group, L.P., a Delaware limited
                partnership, as Administrator and Custodian, and ReMark Lending Co.,
                a
                division of ReMark Capital Group, LLC, a Delaware limited liability
                company, as Lender

            

    

     

    Ladies
      and Gentlemen:

     

    In
      connection with the administration of the Receivable Files held by you, as
      Custodian, we request the release, and acknowledge receipt, of the (Receivables
      File/specify documents) for the Receivable described below, for the reason
      indicated.

     

    Receivable:
      [Number:_________________/Customer
      Name:_______________]

     

    Reason
      for Requesting Documents (check one or more):

     

    ___        
      1.    Contract
      Paid in Full

     

    ___        
      2.    Contract
      Repurchased

     

    ___        
      3.    Contract
      Liquidated

     

    ___        
      4.    Contract
      in Repossession

     

    ___        
      5.    Other
      (explain)

     

    If
      item
      1, 2 or 3 above is checked, and if all or part of the Receivables File was
      previously released to us, please release to us our previous receipt on file
      with you, as well as any additional documents in your possession relating to
      the
      above specified Receivable.

     

    The
      undersigned hereby certifies that if a release has been requested due to items
      1, 2 or 3 above, all amounts received in connection therewith which are required
      to be deposited in the Collection Account pursuant to Section 6.02(a) of the
      Loan Agreement have been or will upon receipt be so deposited.

     

    
      
        
        

      

      
        Ex. D -
          1

        
          

        

      

      
        
        

      

    

     

    If
      item 4
      or 5 above is checked, we will return the (Receivable File/specify documents)
      to
      you when the need therefor no longer exists. Upon our return of the such
      document(s) to you as Custodian, please acknowledge your receipt by signing
      in
      the space indicated below, and returning this form.

     

    Capitalized
      words and phrases used herein shall have the respective meanings assigned to
      them in the Loan Agreement.

    

    
      	
              FREEDOM
                FINANCIAL GROUP, INC.

            
	 	 
	 	 
	
              By:

            	 

	
              Name:

            	 

	
              Title:

            	 

	
              Date:

            	 

    

     

     

    
      	
              DOCUMENTS
                RETURNED TO THE CUSTODIAN:

            
	 	 
	
              ARCHON
                GROUP L.P., as Custodian

            
	 
	 	 
	
              By:

            	 

	
              Name:

            	 

	
              Title:

            	 

	
              Date:

            	 

    

     

    
      
        
        

      

      
        Ex. D -
          2

        
          

        

      

      
        
        

      

    

     

    EXHIBIT
      E

     

    FORM
      OF
      NOTE

     

    
      	$15,000,000 	
              January
                31, 2008

            

    

     

    FOR
      VALUE
      RECEIVED, the undersigned, Freedom Financial Auto Receivables, LLC, a Delaware
      limited liability company (“Borrower”),
      hereby promises to pay to the order of ReMark Lending Co., a division of ReMark
      Capital Group, LLC, a Delaware limited partnership (“Lender”),
      the
      principal sum of Fifteen Million and No/100 Dollars ($15,000,000), or, if
      greater or less, the aggregate unpaid principal amount of the Advances
      outstanding under the Loan and Security Agreement (as hereinafter defined),
      together with interest on the unpaid principal balance thereof as set forth
      in
      the Loan and Security Agreement, both principal and interest payable as herein
      provided in lawful money of the United States of America at the offices of
      the
      Administrator, Archon Group, L.P., 6011 Connection Drive, Irving, Texas 75039,
      or at such other place as from time to time may be designated by Lender or
      the
      Administrator, on behalf of Lender.

     

    This
      Note
      (a) is issued and delivered under that certain Revolving Loan and Security
      Agreement dated as of January 31, 2008 by and among Borrower, Freedom Financial
      Group, Inc., individually and as Servicer, Archon Group, L.P., a Delaware
      limited partnership, as Administrator and Custodian, and Lender (as from time
      to
      time supplemented, amended or restated, the “Loan
      and Security Agreement”),
      and
      is a “Note”
as
      defined therein, (b) is subject to the terms and provisions of the Loan and
      Security Agreement, which contains provisions for payments and prepayments
      hereunder and acceleration of the maturity hereof upon the happening of certain
      stated events, and (c) is secured by and entitled to the benefits of the Loan
      and Security Agreement and certain other Transaction Documents (as identified
      and defined in the Loan and Security Agreement). Payments on this Note shall
      be
      made and applied as provided in the Loan and Security Agreement. Reference
      is
      hereby made to the Loan and Security Agreement for a description of certain
      rights, limitations of rights, obligations and duties of the parties hereto
      and
      for the meanings assigned to terms used and not defined herein and to the
      Transaction Documents for a description of the nature and extent of the security
      thereby provided and the rights of the parties thereto.

     

    The
      principal amount of this Note, together with all interest accrued hereon, shall
      be due and payable as set forth in the Loan and Security Agreement and, if
      not
      due earlier in accordance with the Loan and Security Agreement, is due and
      payable in full on the Maturity Date.

     

    Notwithstanding
      the foregoing paragraph and all other provisions of this Note, in no event
      shall
      the interest payable hereon, whether before or after maturity, exceed the
      maximum interest which, under applicable Law, may be contracted for, charged,
      or
      received on this Note, and this Note is expressly made subject to the provisions
      of the Loan and Security Agreement which more fully set out the limitations
      on
      how interest accrues hereon.

     

    
      
        
        

      

      
        Ex. E -
          1

        
          

        

      

      
        
        

      

    

     

    If
      this
      Note is placed in the hands of an attorney for collection after default, or
      if
      all or any part of the Debt represented hereby is proved, established or
      collected in any court or in any bankruptcy, receivership, debtor relief,
      probate or other court proceedings, Borrower and all endorsers, sureties and
      guarantors of this Note jointly and severally agree to pay reasonable attorneys’
fees and collection costs to the holder hereof in addition to the principal
      and
      interest payable hereunder.

     

    Borrower
      and all endorsers, sureties and guarantors of this Note hereby severally waive
      demand, presentment, notice of demand and of dishonor and nonpayment of this
      Note, protest, notice of protest, notice of intention to accelerate the maturity
      of this Note, declaration or notice of acceleration of the maturity of this
      Note, diligence in collecting, the bringing of any suit against any party and
      any notice of or defense on account of any extensions, renewals, partial
      payments or changes in any manner of or in this Note or in any of its terms,
      provisions and covenants, or any releases or substitutions of any security,
      or
      any delay, indulgence or other act of any trustee or any holder hereof, whether
      before or after maturity, except as may be provided for in the Loan and Security
      Agreement.

     

    Lender
      may assign this Note to any Person as provided in Section 9.04 of the Loan
      and
      Security Agreement.

     

    THIS
      NOTE SHALL, IN ACCORDANCE WITH SECTION 5-1401 OF THE GENERAL OBLIGATIONS
      LAW OF THE STATE OF NEW YORK, BE GOVERNED BY THE LAWS OF THE STATE OF NEW YORK,
      WITHOUT REGARD TO ANY CONFLICTS OF LAW PRINCIPLES THEREOF THAT WOULD CALL FOR
      THE APPLICATION OF THE LAWS OF ANY OTHER JURISDICTION. THE BORROWER HEREBY
      WAIVES, TO THE FULLEST EXTENT PERMITTED BY LAW, ANY RIGHT IT MAY HAVE TO A
      TRIAL
      BY JURY IN RESPECT OF ANY LITIGATION ARISING DIRECTLY OR INDIRECTLY OUT OF,
      UNDER OR IN CONNECTION WITH THIS NOTE OR ANY OF THE TRANSACTIONS CONTEMPLATED
      UNDER THE LOAN AND SECURITY AGREEMENT OR THE OTHER TRANSACTION
      DOCUMENTS.

     

    IN
      WITNESS WHEREOF, the undersigned Borrower has executed this instrument and
      seal
      as of the day and year first above written.

    

    
      	
              FREEDOM
                FINANCIAL AUTO RECEIVABLES, LLC 

            
	 	 
	
              By:

            	 

	
              Name:

            	 

	
              Title:

            	 

    

     

    
      
        
        

      

      
        Ex. E -
          2

        
          

        

      

      
        
        

      

    

     

    EXHIBIT
      F

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

      IN
        WITNESS WHEREOF, the undersigned has caused this Guaranty to be duly executed
        and delivered by its duly authorized officer as of the day and year first
        above
        written.

       

      
        	 	
                FREEDOM
                  FINANCIAL GROUP, INC.

              
	 	 
	 	 
	 	
                By:    
                  /s/ Jerry
                  Fenstermaker                 
                  

              
	 	
                      
                  Jerry Fenstermaker,
                  President

              

      

    

    

    
      

    

     

    
      
        
        

      

      
        
        

        
        

      

      
        
        

      

    

    
 

    EXHIBIT
      G

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

      IN
        WITNESS WHEREOF, the undersigned have caused this Agreement to be duly executed
        and delivered by their respective duly authorized officers as of the day
        and
        year first above written.

       

      
        	 	
                FREEDOM
                  FINANCIAL AUTO RECEIVABLES,

              
	 	
                LLC
                  a Delaware limited liability company

              
	 	 
	 	 
	 	
                By:     
                  /s/ Jerry
                  Fenstermaker                              
                  

              
	 	
                           
                  Jerry Fenstermaker

              
	 	
                           
                  Member

              
	 	 
	 	 
	 	
                FREEDOM
                  FINANCIAL GROUP, INC., a Delaware corporation

              
	 	 
	 	
                
                  By:     
                    /s/ Jerry
                    Fenstermaker                              
                    

                

              
	 	
                           
                  Jerry Fenstermaker

              
	 	
                           
                  President

              

      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

    

    
      

    

     

    
      
        
        

      

      
        
        

        
        

      

      
        
        

      

    

     

    EXHIBIT
      H

    

      
        	
                NISEN
                  & ELLIOTT, LLC

              	
                January
                  8, 2008

              

      

      

      

      Freedom
        Financial Group (“FFG”)

      

      Recommended
        Compliance Action Plan

      

      

      
        	
                1.

              	
                Repossession
                  Notice and Procedures

              

      

      

      
        	 	
                A.

              	
                Amend
                  all post-repossession notice of intent to repossess forms to follow
                  the
                  UCC 9-614 model form. 

              

      

      

      
        	 	
                B.

              	
                Amend
                  all post-sale accounting notice forms to comply with UCC
                  9-616.

              

      

      

      
        	 	
                C.

              	
                Prior
                  to repossession of a motor vehicle, ensure that all unique state
                  requirements are identified and can be met.  New origination or
                  repossession states will require assessment of appropriate forms
                  and
                  practices (e.g. right to cure
                  notices).

              

      

      

      
        	 	
                D.

              	
                Ensure
                  that all information entered into repossession notices is complete
                  and
                  accurate.

              

      

      

      
        	 	
                E.

              	
                Properly
                  identify the transaction type as a retail installment sale in all
                  forms.

              

      

      

      
        	 	
                F.

              	
                Comply
                  with all repossession and disposition requirements under state
                  law.

              

      

      

      
        	
                2.

              	
                Business
                  Licensing

              

      

      

      In
        the
        State of Kansas, FFG will need to file a notification with the Deputy
        Commissioner of the Consumer and Mortgage Lending Division, Office of the
        State
        Banking Commissioner in Topeka, Kansas. Under Kansas law, FFG is required
        to
        file the notification within 30 days after commencing business in that state,
        Kan.
        Stat. §16a-6-202,
        and to
        file an annual notification on or before April 30th
        of each
        year and pay the applicable filing fees. Kan.
        Stat. §16a -6-203 (1).
        

      

      Given
        that FFG has already commenced business in Kansas, it may need to file
        notifications for each calendar year that it has conducted business. FFG
        could
        be subject to fines or penalties for late filings.

      
        
          
          

        

        
          Ex.
            H-1

          
            

          

        

        
          
          

        

      

      
        	
                3.

              	
                ECOA
                  Compliance

              

      

      

      
        	 	
                A.

              	
                The
                  form of Adverse Action Notice used by FFG must be modified to comply
                  with
                  federal laws 12
                  CFR §202.9(b).
                  The Federal Equal Credit Opportunity Act (“ECOA”) notice located at the
                  bottom of the Adverse Action Notice form must be amended as
                  follows:

              

      

      

      Add
        the
        words “sex, marital status” after the words “national origin”. 

      

      
        	 	
                B.

              	
                FFG
                  needs to discontinue its policy of not combining income of non-married
                  co-applicants. This practice likely violates the ECOA prohibition
                  against
                  credit discrimination based upon marital status. Markham
                  v. Colonial Mortg. Service Co.
                  605 F.2d (D.C. Cir. 1979). FFG should revise its Frequently Asked
                  Questions on its website to either (i) delete loan combination
                  question in
                  the context of non-married co-applicants; or (ii) revise the answer
                  to the
                  question: Do you combine income for girlfriend/boyfriend or fiancé type of
                  deals? as follows:

              

      

      

      “Yes,
        we
        combine income for non-married co-applicants.”

      

      
        	
                4.

              	
                Contract
                  Forms

              

      

      

      Discontinue
        the use of Kansas Contract (Form No. 518-4104 Kansas, Professional Bank Form
        Co
        Oxford KS) because this does not comply with federal Regulation Z.

      

      
        	
                5.

              	
                Foreign
                  Translations of Contract Forms

              

      

      

      Determine
        which dealers negotiate the execution of motor vehicle retail installment
        sale
        contracts in Spanish or a language other than English and require such dealers
        to provide FFG with a copy of the foreign translation of the contract that
        was
        provided to each non-English speaking buyer.

      

      

      
        	
                6.

              	
                Co-Signer
                  Notices

              

      

      

      Develop
        a
        procedure to identify co-signed contracts, ensure that a co-signer notice
        is
        provided to each co-signer at the time of contract origination, and ensure
        that
        FFG retains a copy of such notice. 

      

      
        	
                7.

              	
                OFAC
                  Compliance

              

      

      

      Develop
        a
        procedure to comply with the federal Office of Foreign Asset Control (“OFAC”)
        regulations. 

       

      
        
          
          

        

        
          Ex.
            H-2

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