Document:

Exhibit 10.49

AGREEMENT  is  to be effective as of the 29th day of August, 2006 by and between
Designated  Marketing,  LLC,  maintaining  its principal offices at 9741 Preston
Road,  Suite  208,  Frisco,  TX  75034  (hereinafter  referred to as "Designated
Marketing")  and  DNAPrint  Genomics,  Inc., with offices at 900 Cocoanut Avenue
Sarasota  FL  34236  (hereinafter  referred  to  as  "Client").

                               W I T N E S E T H:

WHEREAS,  Designated  Marketing  is  engaged  in  the  business of providing and
rendering  public  relations  and  communications  services  and  has knowledge,
expertise  and  personnel  to  render  the  requisite  services  to  Client; and

WHEREAS, Client is desirous of retaining Designated Marketing for the purpose of
obtaining  public  relations  and  corporate  communications  services  so as to
better,  more  fully  and  more  effectively  deal  and  communicate  with  its
shareholders  and  the  investment  banking  community.

NOW, THEREFORE, in consideration of the premises and of the mutual covenants and
agreements  contained  herein,  it  is  agreed  as  follows:

ENGAGEMENT  OF  DESIGNATED  MARKETING.  Client  herewith  engages  Designated
--------------------------------------
Marketing, and Designated Marketing agrees to render to Client public relations,
communications,  advisory  and  consulting  services.

A.     The  consulting  services  to  be  provided by Designated Marketing shall
include, but are not limited to, the development, implementation and maintenance
of  an  ongoing  program  to  increase  the  investment community's awareness of
Client's  activities  and  to  stimulate  the investment community's interest in
Client.  Client  acknowledges  that  Designated  Marketing's  ability  to relate
information regarding Client's activities is directly related to the information
provided  by Client to Designated Marketing.  Designated Marketing shall provide
such  services  in  compliance  with  all  applicable  laws  and  regulations.

B.     Client acknowledges that Designated Marketing will devote such time as is
reasonably  necessary  to perform the services for Client, having due regard for
Designated  Marketing's  commitments and obligations to other business for which
it  performs  consulting  services.

TERM  AND  TERMINATION.  This  Agreement shall be for a period of six (6) months
----------------------
commencing  on  the  effective  date  hereof.

TREATMENT  OF CONFIDENTIAL INFORMATION.  Company shall not disclose, without the
--------------------------------------
consent  of  Client,  any  financial  and  business  information  concerning the
business, affairs, plans and programs of Client which are delivered by Client to
Designated  Marketing  in  connection  with  Designated  Marketing's  services
hereunder,  provided  such  information  is  plainly  and  prominently marked in
writing  by  Client  as  being  confidential  (the  "Confidential Information").
Designated  Marketing will not be bound by the foregoing limitation in the event
(i)  the  Confidential  Information is otherwise disseminated and becomes public
information  or  (ii)  Designated  Marketing  is  required  to  disclose  the
Confidential  Information  pursuant  to  a  subpoena  or  other  judicial order.

REPRESENTATION  BY  DESIGNATED  MARKETING OF OTHER CLIENTS.  Client acknowledges
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and  consents  to  Designated  Marketing  rendering public relations, consulting
and/or  communications services to other clients of Designated Marketing engaged
in  the  same  or  similar  business  as  that  of  Client.

<PAGE>

INDEMNIFICATION  BY  CLIENT  AS TO INFORMATION PROVIDED TO DESIGNATED MARKETING.
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Client acknowledges that Designated Marketing, in the performance of its duties,
will  be  required  to  rely  upon  the accuracy and completeness of information
supplied to it by Client's officers, directors, agents and/or employees.  Client
agrees  to  indemnify,  hold  harmless  and  defend  Designated  Marketing,  its
officers,  agents  and/or employees from any proceeding or suit which arises out
of  or is due to the inaccuracy or incompleteness of any material or information
supplied  by  Client  to  Designated  Marketing.

INDEPENDENT  CONTRACTOR.  It  is  expressly  agreed that Designated Marketing is
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acting  as  an  independent  contractor  in  performing  its services hereunder.
Client  shall  carry no workers compensation insurance or any health or accident
insurance  on  Designated  Marketing or consultant's employees. Client shall not
pay  any  contributions  to  social security, unemployment insurance, Federal or
state  withholding  taxes  nor  provide any other contributions or benefits that
might  be  customary  in  an  employer-employee  relationship.

NON-ASSIGNMENT.  This  Agreement  shall  not be assigned by either party without
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the  written  consent  of  the  other  party.

COMPENSATION.  SEE  SCHEDULE  A1
------------

NOTICES.  Any notice to be given by either party to the other hereunder shall be
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sufficient  if  in  writing  and  sent  by  registered or certified mail, return
receipt requested, addressed to such party at the address specified on the first
page  of  this Agreement or such other address as either party may have given to
the  other  in  writing.

MODIFICATION  AND  WAIVER.  This Agreement may not be altered or modified except
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by  writing  signed  by  each  of  the  respective parties hereof.  No breach or
violation  of  this  Agreement shall be waived except in writing executed by the
party  granting  such  waiver.

ENTIRE  AGREEMENT  This  writing  constitutes  the  entire Agreement between the
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parties.  This  Agreement  can  only be modified by a written contract signed by
both  parties.  In  the  event that any party brings suit to enforce any part of
this  Agreement,  the  prevailing  party  shall  recover attorney fees and legal
costs. This Agreement shall be interpreted according to the laws of the state of
Texas.  By signing below all parties agree they have the authority to bind their
respective  companies.

<PAGE>

IN  WITNESS  WHEREOF, the parties have executed this Agreement as of the day and
year  first  written  above.

DESIGNATED  MARKETING,  LLC

By:   /s/Donson  Brooks                             Date:   8/29/06
      -----------------
      Donson  Brooks,  Managing  Director

By:   /s/Christopher  Roundtree                     Date:   8/29/06
      -------------------------
      Christopher  Roundtree,  Managing  Director

DNAPRINT  GENOMICS,  INC.

By:   /s/Richard  Gabriel                           Date:   8/29/06
      -------------------
      Richard  Gabriel,  CEO

<PAGE>

                                  SCHEDULE A-1
                                  ------------

  PAYMENT  FOR  SERVICES  AND  REIMBURSEMENT  OF  EXPENSES

For the services to be rendered and performed by Designated Marketing during the
term  of  the Agreement, Client shall, upon acceptance of this Agreement: Pay to
Designated  Marketing  six million two hundred fifty thousand (6,250,000) shares
of DNAG stock due upon acceptance of this agreement, and six million two hundred
fifty  thousand  (6,250,000) shares of DNAG stock at the end of the third month,
for  six months of service.  Such shares will be registered by Client for resale
by  including  such  shares  in  a  registration  statement  on  Form  SB-2.

DESIGNATED  MARKETING,  LLC

By:  /s/Donson  Brooks                           Date:  8/29/06
     -----------------
     Donson  Brooks,  Managing  Director

By:   /s/Christopher  Roundtree                  Date:  8/29/06
      -------------------------
      Christopher  Roundtree,  Managing  Director

DNAPRINT  GENOMICS,  INC.

By:   /s/Richard  Gabriel                        Date:  8/29/06
      -------------------
      Richard  Gabriel,  CEO

<PAGE>EX-10.1

FIRST AMENDMENT TO EMPLOYMENT AGREEMENT BY AND BETWEEN PACIFIC BIOMETRICS INC. AND RONALD R.
HELM

Section 3 is rewritten to read:

Executive shall be paid compensation during the Agreement as follows:

	 	A.	 	Commencing July 1, 2006 and continuing for a period of two years a base salary of
$240,000 (Two Hundred forty thousand) per year payable in installments according to the
company’s regular payroll schedule.

	 	B.	 	Executive would be eligible for a bonus of 20 percent in year one based on revenue,
operating income, and backlog. Executive is eligible for 30% the second year based on
criteria to yet be determined by the board.

	 	C.	 	Executive shall surrender all options due and specified in the agreement in exchange
for 200,000 restricted shares. In addition, Executive shall receive 200,000 restricted
 shares for meeting FY ’06 performance milestones. Restricted shares shall have a three
year restriction.

Section 5 is rewritten to read:

	 	A.	 	The term of this Agreement shall commence on July 1, 2006 and it shall continue to
June 30, 2008. Thereafter, the Agreement shall be renewed upon mutual agreement of
Executive and Company.

Agreed:

/s/ Ronald R. Helm

Ronald R. Helm

Executive

/s Curtis J. Scheel

Curtis J. Scheel

Director and

Chairman, Compensation Committee

Pacific Biometrics, Inc. Board of DirectorsEX-4.1

Exhibit 4.1

Agreement

between

The Royal Bank of Scotland plc acting as agent for National Westminster Bank Plc

and

Sytner Group Limited

Our ref: 65364v3(A27)/CDD/LB/NWWMID

1

THIS IS AN IMPORTANT DOCUMENT WHICH SETS OUT THE TERMS AND CONDITIONS OF THE FACILITY. WE
RECOMMEND THAT YOU TAKE INDEPENDENT LEGAL ADVICE IF YOU HAVE ANY DOUBTS REGARDING THE TERMS AND
CONDITIONS OUTLINED.

THIS AGREEMENT is made between:-

	(1)	 	Sytner Group Limited; and

	(2)	 	The Royal Bank of Scotland plc (“RBS”) acting as agent for National Westminster Bank Plc.

by which it is agreed as follows:-

	1	 	PURPOSE AND DEFINITIONS

	1.1	 	This Agreement sets out the terms and conditions upon and subject to which the Bank agrees to
make available to the Borrower for (i) the refinance the £45,000,000 loan made available to
the Borrower by the Bank in an agreement dated 28 February 2003 as amended and increased in a
supplemental agreement dated 25 May 2004 and maintained under account number 81338, (ii) the
costs involved with the Acquisition and (iii) the purpose of its business a multi-option
facility of £70,000,000 which may be utilised by the Borrower by way of any of the following
options:-

	 	(a)	 	Short Term Fixtures in Sterling and/or Foreign Currency; and

	 	(b)	 	Bonds in Sterling and/or Foreign Currency.

	1.2	 	In this Agreement unless the context otherwise requires:-

“Acquisition” means the acquisition by the Borrower of the issued share capital of the Target
and, if appropriate, its Subsidiaries;

“Bank” means National Westminster Bank Plc, which is the lender under this Agreement and the
“Bank” means its successors and assigns;

“Bank Indebtedness” means the Facility and the Fixed Rate Loan;

“Bank Office” means the office of RBS acting as agent for the Bank at 5th Floor 2 St Philips
Place, Birmingham B3 2RB or such other office/address as the Bank may notify to the Borrower
from time to time;

“Base Accounts” means the audited financial statements of the Borrower and the consolidated
audited financial statements of the Group for the period ended 31 December 2004;

“Bond” means any bond, guarantee, loan note guarantee, indemnity or other form of undertaking
issued or to be issued by the Bank under the Facility;

“Borrower” means Sytner Group Limited, Company Number 2883766;

“Business Day” means:-

	 	(a)	 	for the purposes of rate fixing/drawing/payments in relation to Fixtures in euros a
day on which the Trans-European Automated Real-time Gross Settlement Express Transfer
System (TARGET) is operating; and

	 	(b)	 	for all other purposes, a day (other than a Saturday or Sunday) on which banks are
open for general business in London and, in the case of a Foreign Currency, in the
principal financial centre for that Foreign Currency;

“Change of Control” means any event or circumstance whereby 51% or more of the equity share
capital of the Borrower becomes beneficially owned by any one person or any group of persons
acting in concert other than United Auto Group Inc. or its Subsidiaries;

“Commitment Period” means the period commencing on the date this Agreement is signed on behalf
of the Bank and ending on the Expiry Date;

“euro” and the sign "€” means the single currency adopted or to be adopted by participating
member states under the Treaty establishing the European Union;

“Expiry Date” means 31 August 2011;

“Event of Default” means any of the events described in Clause 14;

“Facility” means the committed multi-option facility made available or to be made available on
the terms and conditions set out in this Agreement;

“Facility Limit” means £70,000,000 to the extent not cancelled or reduced under this
Agreement;

“Finance Document” means:-

	 	(a)	 	this Agreement;

	 	(b)	 	any documents held or required to complete the security referred to in Clause 12.1;
or

	 	(c)	 	any other document designated as such by the Bank and the Borrower.

“Financial Indebtedness” means any indebtedness for or in respect of:

	 	(a)	 	moneys borrowed;

	 	(b)	 	any acceptance credit;

	 	(c)	 	any bond, note, debenture, loan stock or other similar instrument;

	 	(d)	 	any finance or capital lease;

	 	(e)	 	receivables sold or discounted (otherwise than on a non-recourse basis);

	 	(f)	 	the acquisition cost of any asset to the extent payable after its acquisition or
possession by the party liable where the deferred payment is arranged primarily as a
method of raising finance or financing the acquisition of that asset;

	 	(g)	 	any derivative transaction protecting against or benefiting from fluctuations in
any rate or price (and, except for non-payment of an amount, the then mark to market
value of the derivative transaction will be used to calculate its amount);

	 	(h)	 	any other transaction (including any forward sale or purchase agreement) which has
the commercial effect of a borrowing;

	 	(i)	 	any counter-indemnity obligation in respect of any guarantee, indemnity, bond,
letter of credit or any other instrument issued by a bank or financial institution; or

	 	(j)	 	any guarantee, indemnity or similar assurance against financial loss of any person
in respect of any item referred to in paragraphs (a) to (i) above.

“Financial Markets” means the Bank’s Financial Markets Department at such address as the Bank
may notify to the Borrower from time to time;

“Fixed Rate Loan” means the fixed rate loan of £30,000,000 made available to the Borrower by
the Bank in an agreement dated on or around the date of this Agreement to assist with (i) the
refinance the £45,000,000 loan made available to the Borrower by the Bank in an agreement
dated 28 February 2003 as amended and increased in a supplemental agreement dated 25 May 2004
and maintained under account number 81338 and (ii) the costs involved with the Acquisition;

“Fixture” means any short term fixture drawn under the Facility;

“Foreign Currency” means the euro and any other currency (other than Sterling) which is freely
convertible and transferable into Sterling and readily available in the London Interbank
Market;

“Franchises” means any franchise detailed in Schedule 3;

“GAAP” means generally accepted accounting practice in the United Kingdom;

“Group” means at any time the Borrower and its Subsidiary Undertakings at such time;

“Mandatory Costs” means such costs as the Bank determines are necessary to compensate the Bank
for complying with any reserve asset and/or special deposit or liquidity requirements (or
other requirements having the same or similar purpose) of the Bank of England, the Financial
Services Authority (or any successor or other similar regulatory authority) including a
requirement for the payment of any fees to the Financial Services Authority (whether or not
any such requirements have the force of law);

“Margin” means, subject to the attached Schedule 1, an initial rate of 0.85%;

“Material Adverse Effect” means a material adverse effect on:-

	 	(a)	 	the business or financial condition of the Group as a whole;

	 	(b)	 	the ability of the Borrower to perform its obligations under any Finance Document;
or

	 	(c)	 	the validity or enforceability of any Finance Document;

“Material Franchising Agreement” means a franchising agreement entered into by any member of
the Group:-

	 	(a)	 	where the profits attributable to or generated under such franchising agreement are
equal to or greater than 10 per cent. of the aggregate profits of the Group; or

	 	(b)	 	where the turnover attributable to or generated under such franchising agreement is
equal to or greater than 10 per cent. of the aggregate turnover of the Group;

“Material Subsidiary” means the Borrower, and each Subsidiary of the Borrower:-

(a) whose profits are equal to or greater than 10 per cent. of the aggregate profits of the
Group; or

(b) whose turnover is equal to or greater than 10 per cent. of the aggregate turnover of the
Group; or

	 	(c)	 	whose assets have a value equal to or greater than 10 per cent. of the aggregate
value of all assets owned by the Group.

“Maximum Liability” means in respect of each Bond, the maximum amount that may become payable
by the Bank to the beneficiary under it (whether present or future, actual or contingent);

“Sale” means the sale of the whole or a substantial part of the business, assets and
undertaking of the Borrower;

“Sale and Purchase Agreement” means the agreement dated 31 August 2006 and made between (1)
Peter Whale, Peter Whale and Andrea Whale as trustees of the Peter Whale Trust Settlement
1994, Henry Whale, Max Whale and Interamericana Trading Corp and (2) Sytner Group Limited in
connection with the Acquisition;

“Security Interest” means any mortgage, pledge, lien, charge, assignment, hypothecation or
security interest or any other agreement or arrangement having a similar effect;

“Sterling” and the sign "£” mean the lawful currency of the United Kingdom;

“Stocking Facility” means any facility provided to a member of the Group for vehicle stock,
used demonstrators and/or consignment stock;

“Subsidiary” shall have the meaning ascribed to it in Section 736 of the Companies Act 1985;

“Subsidiary Undertaking” shall have the meaning ascribed to it in Section 258 of the Companies
Act 1985; and

“Target” means Ryland Group Limited, Company Number 4813103.

	1.3	 	Headings in this Agreement are inserted for convenience only and shall be ignored in
construing this Agreement. Unless the context otherwise requires, words denoting the singular
number only shall include the plural and vice versa.

	2	 	LIMITS AND UTILISATION

	2.1	 	The total utilisation under the Facility at any time shall not exceed the Facility Limit and
the Bank is not obliged to allow or continue to allow any utilisation in excess of agreed
limits. The Sterling equivalent of any Foreign Currency amount shall be used for this purpose
and shall be calculated by reference to the market rate of exchange, as determined by the
Bank, for the relevant Foreign Currency against Sterling on any relevant day.

	2.2	 	Utilisation of the Facility will be calculated as the total of:-

	 	(a)	 	the aggregate of Fixtures outstanding or in course of being drawn; and

	 	(b)	 	the Maximum Liability of Bonds issued and in course of being issued.

	2.3	 	The Bank may refuse any utilisation which would result in the Facility Limit being exceeded.

	2.4	 	If the Bank does allow any utilisation which results in the Facility Limit being exceeded, it
will not mean that the relevant limit has changed or that the Bank will agree to any other
utilisation which would have that effect.

	3	 	SHORT TERM FIXTURES

	3.1	 	Each request for a Fixture shall be made to Financial Markets specifying:-

	 	(a)	 	the amount of the Fixture which shall not be less than £250,000 or the Foreign
Currency equivalent thereof or such other amount which is acceptable to the Bank;

	 	(b)	 	the date on which the Fixture is required, which must be a Business Day; and

	 	(c)	 	the duration of the Fixture which shall be one week or one, three or six months (or
such other period which is acceptable to the Bank).

Each request shall be unconditional and irrevocable and shall unless otherwise mutually agreed
require to be received in respect of a Fixture denominated in Sterling not later than 11 a.m.
(London Time) on the date on which the Fixture is required and in respect of a Fixture
denominated in Foreign Currency not later than 11 a.m. (London Time) two Business Days before
the date on which the Fixture is required.

	3.2	 	In the event of the Borrower requesting a Fixture in a Foreign Currency which in the sole
determination of the Bank is not available in the London Interbank Market, the Borrower shall
be advised immediately of such non-availability and shall have the option of either requesting
the relevant Fixture in a different Foreign Currency or cancelling the relative request.

	3.3	 	Subject to Clause 5, the amount of each Fixture shall be debited to a specifically designated
account in the name of the Borrower with the Bank and if the Borrower maintains an account
with the Bank then the Bank may credit the proceeds of the Fixture to such account. Otherwise
the proceeds shall be distributed in accordance with the Borrower’s instructions. The details
thereof shall be confirmed to the Borrower in writing by the Bank.

	3.4	 	The Borrower shall in respect of each Fixture pay to the Bank:-

	 	(a)	 	in the case of a Fixture denominated in Sterling interest at a percentage rate per
annum which is equivalent to the aggregate of:-

	 	(i)	 	the Margin;

	 	(ii)	 	the rate at which Sterling deposits of comparable amount to the
relevant Fixture and for the period of such Fixture are offered by the Bank to
leading banks in the London Interbank Market at or about 11 a.m. (London Time) on
the date on which the Fixture is required; and

	 	(iii)	 	Mandatory Costs; and

	 	(b)	 	in the case of a Fixture denominated in Foreign Currency interest at a percentage
rate per annum which is equivalent to the Margin above the rate at which deposits in the
relative Foreign Currency of comparable amount to the relevant Fixture and for the period
of such Fixture are offered by the Bank to leading banks in the London Interbank Market
at or about 11 a.m. (London Time) on the day which is two Business Days before the date
on which the Fixture is required.

A certificate by the Bank as to the amount of such cost shall be conclusive in the absence of
manifest error

	3.5	 	Interest shall be calculated on a daily basis and on a year of 365 days in the case of a
Fixture denominated in Sterling and on a year of 360 days (or such other period as may be
determined by the Bank to reflect market convention for the relevant Foreign Currency) in the
case of a Fixture denominated in Foreign Currency and shall be paid six monthly and on
maturity of the Fixture.

	3.6	 	If the Bank is unable (whether due to any change in operation or structure of the London
Interbank Market or any other reason) to quote a London Interbank Market the Bank shall offer
a rate:-

	 	(a)	 	equal to the aggregate of

	 	(i)	 	the Margin per annum above the rate representing the cost to the Bank
of funding the Fixture from whatever source it may reasonably select; and

	 	(ii)	 	Mandatory Costs in the case of a Fixture denominated in Sterling; and

	 	(b)	 	equivalent to the Margin per annum above the rate representing the cost to the Bank
of funding the Fixture from whatever source it may reasonably select in the case of a
Fixture denominated in Foreign Currency.

The Bank shall promptly notify the Borrower of any such circumstances and the rate to apply.

	3.7	 	At any time after an Event of Default has occurred, which has not been waived or remedied,
the Bank shall be entitled to charge interest at a rate of 2.25% per annum above the rate
determined by the Bank in terms of Clause 3.4 (or such other rate as may be determined by the
Bank and notified to the Borrower from time to time) on the aggregate of the Fixtures and any
outstanding interest up to the earlier of (i) the date on which such Event of Default has been
remedied and (ii) the date on which the Fixtures and any other amounts outstanding under this
Agreement have been paid in full. Interest shall be payable at the rate both before and after
demand, court decree or judgment.

	3.8	 	Each Fixture shall be repaid on maturity together with interest accrued thereon by payment of
the relative amount to Financial Markets.

	4	 	BONDS

	4.1	 	Each request for a Bond shall be by way of notice in writing to the Bank Office (unless
otherwise agreed between the Borrower and the Bank) incorporating details of the Bond
required.

	4.2	 	Each Bond shall be for a purpose and drawn in a manner which the Bank, at its sole
discretion, considers acceptable and the Bank reserves the right in any event not to issue a
particular Bond.

	4.3	 	Prior to the issue of a Bond the Bank will require the Borrower to provide a counter
indemnity(ies) in the Bank’s preferred form.

	4.4	 	The Bank’s Maximum Liability under a Bond shall be treated as reduced for the purposes of
this Agreement only when and to the extent that:-

	 	(a)	 	the Bank has received written confirmation from the beneficiary of the Bond of the
amount of such reduction; or

	 	(b)	 	the Bank has made a payment under the Bond and the terms of the Bond allow for the
Bank’s Maximum Liability thereunder to be irrevocably reduced by the amount of any such
payment; or

	 	(c)	 	the Bank is otherwise satisfied that its Maximum Liability under the Bond has been
irrevocably reduced.

	4.5	 	The Bank’s Maximum Liability under a Bond shall be treated as extinguished for the purposes
of this Agreement only when and to the extent that:-

	 	(a)	 	the Bank has received written confirmation from the beneficiary of the Bond that
the Bank’s Maximum Liability under the Bond has been extinguished and/or the Bond is
returned to the Bank; or

	 	(b)	 	the Bank has settled its Maximum Liability under the Bond in full; or

	 	(c)	 	in the case of a Bond in favour of a beneficiary in the United Kingdom, the expiry
date (if any) stated in the Bond has passed with no claim having been made on the Bank;
or

	 	(d)	 	the Bank is otherwise satisfied that its Maximum Liability under the Bond has been
extinguished.

	4.6	 	The Borrower shall pay commission on the Bank’s Maximum Liability in terms of each Bond as
follows:-

	 	(a)	 	in relation to a Bond denominated in Sterling to a beneficiary in the United
Kingdom at a rate of 0.85% per annum or part thereof; and

	 	(b)	 	in relation to a Bond denominated in Foreign Currency or a Bond to a beneficiary
outside the United Kingdom, the Borrower shall pay commission at the Bank’s standard
documentary services tariff applicable at the time of the request or such other tariff as
may be agreed between the Borrower and the Bank.

Such commission, which will accrue from the date on which the Bank enters into the Bond until
the Bank’s liability ceases, shall be payable annually in advance. Commission shall be paid
in Sterling, calculated by reference to the market rate of exchange of the Bank for the
relevant Foreign Currency against Sterling.

In addition, the Borrower will be responsible for the payment of all other charges made from
time to time in accordance with the Bank’s standard documentary services tariff, or such other
tariff as may be agreed between the Borrower and the Bank.

The Borrower will be notified of any variation to the commission rate by the Bank giving 30
days’ notice in writing.

	5	 	AVAILABILITY, CANCELLATION AND MANDATORY PREPAYMENT

	5.1	 	Without prejudice to the other provisions of this letter the Bank agrees to make the Facility
available on a committed basis for utilisation during the Commitment Period.

	5.2	 	At any time during the 30 days prior to the Expiry Date the Borrower may request (or the Bank
may offer) to renew the Facility for a further period, subject to the Bank undertaking a full
credit assessment and further documentation. If the Facility is not renewed before the Expiry
Date then any undrawn element of the Facility may be unconditionally cancelled by the Bank at
any time.

	5.3	 	Notwithstanding any of the terms and conditions in this Agreement, the Borrower may by notice
to be received by the Bank at the Bank Office cancel any part of the Facility then undrawn
(this part to be £250,000 or an integral multiple thereof). This notice shall be
unconditional and irrevocable.

	5.4	 	Notwithstanding any other provision of this Agreement, if there is:

	 	(a)	 	a Change of Control; or

	 	(b)	 	a Sale;

then the Bank may in its sole discretion and by notice in writing to the Borrower, demand the
repayment of the Facility, whereupon the Facility shall become immediately due and payable,
together with all accrued interest thereon and all other funding or other costs, loss,
liability or expense which the Bank shall certify as sustained or incurred by it as a
consequence of the repayment or prepayment.

	6	 	PAYMENTS

	6.1	 	All payments to be made by the Borrower under this Agreement shall be made on the due date,
in immediately available funds or, in the case of Foreign Currency payments, such other funds
as may for the time being be customary for the settlement of international banking
transactions in the relative Foreign Currency, to the account of the Bank or such
correspondent bank as the Bank may direct or otherwise as the Bank may direct. Subject to the
provisions of Clause 6.4 all payments relative to a utilisation shall, unless otherwise agreed
by the Bank, be made in the currency of the utilisation and any payments made in a different
currency will be converted to the currency of the utilisation at the prevailing market rate of
exchange as determined by the Bank on the date of receipt.

	6.2	 	All payments to be made by the Borrower under this Agreement shall be made free and clear of
any deduction whatsoever whether of present or future taxes, stamp duty or other charges
unless the Borrower is required by law to make such a payment subject to any deduction or
withholding in which case the relevant payment shall be increased to the extent necessary to
ensure that the Bank receives on the due date a sum equal to the sum which it would have
received had the Borrower not been required to make such a deduction or withholding.

	6.3	 	If any payment should become due on a day which is not a Business Day the due date for such
payment shall be extended to the next Business Day unless the next Business Day is in the
following calendar month in which case the due date shall be the preceding Business Day.

	6.4	 	If the Bank exercises its right to convert any Foreign Currency utilisation to Sterling
pursuant to the provisions of this Agreement any payments made by the Borrower after such
conversion shall be made in Sterling unless otherwise agreed by the Bank. Following such
conversion, any sums received or recovered by the Bank in a currency other than Sterling will
be converted to Sterling at the prevailing market rate of exchange as determined by the Bank
on the date of receipt.

	7	 	INCREASED COSTS

	7.1	 	If by reason of (i) the introduction of or any change in law or its interpretation or
administration and/or (ii) compliance with any request or requirement of any central bank or
other fiscal, monetary or other authority (including without limitation, a request or
requirement which affects the manner in which the Bank allocates capital resources to its
obligations hereunder):-

	 	(a)	 	the Bank incurs a cost as a result of entering into this Agreement performing its
obligations and/or assuming or maintaining its commitment hereunder and/or making the
Facility available; or

	 	(b)	 	the Bank is unable to obtain the rate of return on its overall capital which it
would have been able to achieve but for its entering into this Agreement, performing its
obligations and/or assuming or maintaining its commitment hereunder and/or making the
Facility available; or

	 	(c)	 	there is any increase in the cost to the Bank of funding or maintaining all or any
of the advances comprised in a class of advances formed by or including the Facility; or

	 	(d)	 	the Bank incurs a cost as a result of its having made the Facility available or the
Bank becomes liable to make any payment on account of tax or otherwise (other than a tax
imposed on its overall net income) on or calculated by reference to the amount of the
Facility and/or any sum received or receivable by it hereunder, or any liability in
respect of any such payment is imposed, levied or assessed against the Bank,

then the Borrower shall from time to time within three Business Days of a demand by the Bank,
pay to the Bank amounts sufficient to indemnify the Bank against, as the case may be, (i) such
costs, (ii) such reduction in the rate of return (or such proportion of such reduction as is
in the opinion of the Bank attributable to its obligations hereunder), (iii) such increased
costs (or such proportion of such increased costs as is, in the opinion of the Bank,
attributable to its funding the Facility), or (iv) such cost or liability (or such proportion
thereof as is, in the opinion of the Bank, attributable to making the Facility available).

	7.2	 	If the Bank makes a claim pursuant to Clause 7.1 it shall promptly after it becomes aware of
the circumstances giving rise to such claim deliver to the Borrower a certificate to that
effect setting out in reasonable detail the basis of such claim. This certificate shall be
conclusive in the absence of manifest error.

	8	 	CONDITIONS PRECEDENT

	8.1	 	The Bank will not make the Facility available for utilisation (subject to Clause 5) until it
has received and is satisfied with the following:-

	 	(a)	 	the duplicate of this Agreement signed on behalf of the Borrower;

	 	(b)	 	a certified copy of the Resolution of the Board of Directors of the Borrower
approving the transaction contemplated by this Agreement and authorising a specified
person/s to:-

	 	(i)	 	sign this Agreement on behalf of the Borrower;

	 	(ii)	 	negotiate any utilisation under this Agreement on behalf of the
Borrower;

	 	(iii)	 	sign and/or endorse any documents required under or in connection with
this Agreement on behalf of the Borrower

together with a specimen of the signature of the person/s so authorised.

	 	(c)	 	an executed copy of the Sale and Purchase Agreement; and

	 	(d)	 	copies of all due diligence undertaken by the Borrower in respect of the
Acquisition.

	8.2	 	The Bank shall furthermore not be obliged to make the Facility available unless the following
conditions are satisfied:-

	 	(a)	 	the availability as security for the Facility of any existing security is confirmed
to the Bank’s satisfaction;

	 	(b)	 	no Event of Default (or event which with the giving of notice, lapse of time or
other conditions may constitute an Event of Default) has occurred and is continuing or
might result from any utilisation under the Facility; and

	 	(c)	 	the representations and warranties in Clause 9 are true with respect to the facts
and circumstances then existing.

	9	 	REPRESENTATIONS AND WARRANTIES

	9.1	 	The Borrower represents and warrants (save as disclosed to and agreed by the Bank) that:-

Status

	 	(a)	 	it is duly incorporated and validly existing and has power to own its property and
assets and carry on its business as presently conducted;

Powers and Authority

	 	(b)	 	it has power to execute, deliver and perform its obligations under this Agreement
and any security provided by it pursuant to Clause 12, all necessary corporate,
shareholder or other action has been taken to authorise the execution, delivery and
performance of this Agreement and of any security provided, and no limitation on the
powers of the Borrower or the powers of its Directors shall be exceeded as a result of
any utilisation under the Facility;

Legal Validity

	 	(c)	 	this Agreement and any security provided by it pursuant to Clause 12 constitute
legal, valid and binding obligations on it;

Non-Conflict

	 	(d)	 	the entry into and performance of the terms and conditions of this Agreement and of
any security provided by it pursuant to Clause 12 do not and shall not contravene or
conflict with its memorandum and articles of association, any law, statute, regulation or
other instrument binding on it or any of its assets, or any agreement or document to
which it is a party or is binding on it or any of its assets;

Authorisations and Compliance

	 	(e)	 	it and its Subsidiaries hold and are in compliance with (i) all material and
necessary licences, permits, consents or other authorisations required for conducting
their business and (ii) all material applicable laws and regulations or other legal
requirements;

Breach of Other Agreements

	 	(f)	 	it is not (nor with the giving of notice, lapse of time or satisfaction of any
other condition would be) in breach of or in default under any agreement or document to
which it is party or by which it or any part of its assets may be bound which could have
a material adverse effect on the business, assets or financial condition of the Borrower
or on its ability to perform fully its obligations under this Agreement or under any
security provided pursuant to Clause 12;

Accounts

	 	(g)	 	the Base Accounts/its latest audited financial statements and where appropriate the
latest consolidated audited financial statements of the Group as provided to the Bank
have been prepared in accordance with GAAP and fairly represent its financial condition
and where appropriate the financial condition of the Group and there has been no material
adverse change in its business or financial condition or the business or financial
condition of the Group since the date of those financial statements;

Litigation

	 	(h)	 	no litigation, arbitration or administrative proceeding is taking place (including
without limitation any action under any environmental law or regulation), pending or to
the knowledge of its officers threatened against it or its Subsidiaries or any part of
their undertaking, assets or revenues which could have a material adverse effect on their
business, assets or financial condition or on its ability to perform fully its
obligations under this Agreement or under any security provided pursuant to Clause 12;

Encumbrances

	 	(i)	 	no charges or other encumbrances in the nature of a security interest exist on its
assets or the assets of any of its Subsidiaries other than any charges or encumbrances in
favour of the Bank or, in connection with a Stocking Facility;

Environment

	 	(j)	 	it and its Subsidiaries:-

	 	(i)	 	are in compliance with all applicable material environmental laws,
regulations and practices;

	 	(ii)	 	hold and are in compliance with all necessary licences, permits,
consents or other authorisations essential for the conduct of their business; and

	 	(iii)	 	have not previously conducted nor are currently conducting their
business in any manner which could form the basis of any material environmental
claim against them

where failure not to do so would constitute a Material Adverse Effect; and

No Default

	 	(k)	 	no Event of Default has occurred.

Repetition

	9.2	 	The representations and warranties contained in Clause 9.1 shall survive the signing of this
Agreement and shall be deemed repeated on each utilisation under this Agreement.

	 	 	 
	10	 	UNDERTAKINGS
	10.1

	 	The undertakings in this Clause 10 shall continue in effect for so long as this Agreement remains in force.
	 
	 	 
	10.2

	 	Financial Information

	 	(a)	 	The Borrower shall supply to the Bank:-

	 	(i)	 	as soon as they become available but in any event no later than the 31
October 2006 the audited financial statements of the Borrower and the consolidated
audited financial statements of the Group for the year ended 31 December 2005 and
as soon as they become available but in any event not later than 31 October in each
subsequent year the audited financial statements of the Borrower and the
consolidated audited financial statements of the Group for its previous financial
year;

	 	(ii)	 	as soon as they become available but in any event within 30 days after
the end of the accounting period to which they relate, and in a format acceptable
to the Bank, management accounts of the Borrower and the consolidated management
accounts of the Group incorporating balance sheet and profit and loss account and
cash flow statement;

	 	(iii)	 	promptly all notices or other documents sent by the Borrower to its
shareholders and/or its creditors;

	 	(iv)	 	promptly such further information in the possession of the Borrower
regarding the financial condition and operations of the Borrower and the Group as
the Bank may reasonably request; and

	 	(v)	 	on each occasion financial statements and management accounts are
supplied to the Bank pursuant to this Clause for the periods ending 31 March, 30
June, 30 September and 31 December in each year, a certificate, in a format
acceptable to the Bank, signed by the Finance Director and one other Director of
the Borrower confirming compliance or otherwise with the financial covenants
detailed in Clause 11.1 outlining the financial covenant levels and including
detailed workings.

	 	(b)	 	The Borrower undertakes to ensure that all accounts and other financial information
submitted to the Bank pursuant to Clause 10.2(a) are prepared consistently and in
accordance with GAAP.

Notification of Default

	10.3	 	The Borrower shall notify the Bank of any Event of Default immediately upon becoming aware of
its occurrence.

Pari Passu Ranking

	10.4	 	The Borrower undertakes that its obligations under this Agreement rank and will rank at least
pari passu with all its unsubordinated and unsecured indebtedness (except for indebtedness
which is preferred by operation of law and not by contract) and/or indebtedness incurred
pursuant to Stocking Facilities.

Negative Pledge

	10.5	 	The Borrower shall not, nor shall it permit any of its Subsidiaries to, create nor permit to
subsist any Security Interest on the whole or any part of the present or future assets of the
Borrower or its Subsidiaries except:-

	 	(a)	 	any Security Interest created under the Finance Documents;

	 	(b)	 	any Security Interest created pursuant to, or in connection with a Stocking
Facility;

	 	(c)	 	any right of set-off or lien, in each case arising by operation of law;

	 	(d)	 	any retention of title to goods supplied to a member of the Group in the ordinary
course of its trading activities;

	 	(e)	 	any right of set-off over credit balances on bank accounts of any member of the
Group created in order to facilitate the operation of those bank accounts and other bank
accounts of other members of the Group arising in the ordinary course of the banking
arrangements of the Group;

	 	(f)	 	any agreement entered into by a member of the Group in the ordinary course of its
trading activities to sell or otherwise dispose of any asset on terms whereby that asset
is or may be leased to or re-acquired or acquired by any member of the Group;

	 	(g)	 	any Security Interest over an asset of a company which becomes a Subsidiary of the
Borrower (other than by reason of its incorporation) after the date of this Agreement,
being an Security Interest which is in existence at the time at which that company
becomes such a Subsidiary but only if (i) that Security Interest was not created in
contemplation of that company becoming such a Subsidiary, (ii) the principal amount
secured by that Security Interest has not been and shall not be increased and (iii) that
Security Interest is discharged within 6 months of the date on which that company became
such a Subsidiary;

	 	(h)	 	any Security Interest over an asset acquired by a member of the Group after the
date of this Agreement and subject to which that asset is acquired but only if (i) that
Security Interest was not created in contemplation of its acquisition by that company,
(ii) the amount secured by that Security Interest has not been increased in contemplation
of, or since the date of, its acquisition by that company and (iii) that the Security
Interest is discharged within 6 months of the date of its acquisition by that company;
and

	 	(i)	 	any Security Interest notified to the Bank in writing prior to the date of this
Agreement except to the extent the principal amount secured by that Security Interest
exceeds the amount stated in that notification.

Other Obligations

	10.6	 	The Borrower shall not, nor shall it permit any of its Subsidiaries to, incur any Financial
Indebtedness except:-

	 	(a)	 	Financial Indebtedness owed to the Bank including, without limitation, Financial
Indebtedness under any Finance Document;

	 	(b)	 	any Financial Indebtedness created pursuant to, or in connection with a Stocking
Facility;

	 	(c)	 	Financial Indebtedness pursuant to finance leases or hire purchase agreements in
connection with the provision of loan cars;

	 	(d)	 	Financial Indebtedness between members of the Group;

	 	(e)	 	any Financial Indebtedness of any person acquired by a member of the Group which is
incurred under arrangements in existence at the date of acquisition, but only for a
period of 12 months from the date of acquisition; or any derivative transaction
protecting against or benefiting from fluctuations in any rate or price entered into in
the ordinary course of business;

	 	(f)	 	Financial Indebtedness existing at the date of this Agreement; and

	 	(g)	 	any other obligations subordinated to the Bank.

Material Change in Business

	10.7	 	The Borrower shall not, nor shall it permit any of its Subsidiaries to, make any material
change in the nature of its business as presently conducted except with the prior written
consent of the Bank.

Disposal of Assets

	10.8	 	The Borrower shall not, nor shall it permit any of its Subsidiaries to, sell, transfer, lease
(or where a lease is already in existence, consent to the lease being assigned) or otherwise
dispose of all or a substantial part of the assets of the Borrower or its Subsidiaries
except:-

	 	(a)	 	in the ordinary course of its trading activities (including, for the avoidance of
doubt, any sale and leaseback transactions);

	 	(b)	 	where the proceeds of the disposal are used within 12 months of that disposal for
the purchase of an asset to replace directly the asset the subject of that disposal;

	 	(c)	 	a disposal of an asset which is obsolete for the purpose for which such an asset is
normally utilised; or

	 	(d)	 	a disposal on arm’s length terms of any of the Franchises

	 	(e)	 	where the net proceeds of any disposal are used to reduce or repay Bank
Indebtedness;

	 	(f)	 	a disposal with the prior written consent of the Bank;

	 	(g)	 	a disposal on arm’s length terms where the aggregate value of the assets the
subject of a disposal by a member of the Group other than in accordance with
paragraphs (a) to (c) above in any financial year of the Borrower does not exceed
£1,000,000 (for the purposes of this paragraph, the value of any asset shall be the
greater of its book value and the consideration received for it); or

	 	(h)	 	disposals with a book value not exceeding £10,000,000 individually or an aggregate
book value not exceeding £30,000,000 in any one financial year.

Mergers

	10.9	 	The Borrower may not enter into any amalgamation, demerger, merger or reconstruction
otherwise than under an intra-Group re-organisation on a solvent basis or other transaction
agreed by the Bank.

Acquisitions

	10.10	 	The Borrower shall not, nor shall it permit any of its Subsidiaries to make any acquisition
or investment except:-

	 	(a)	 	acquisitions or investments made in the ordinary course of trade;

	 	(b)	 	acquisitions or investments up to an amount of £20,000,000 (per acquisition or
investment); and

	 	(c)	 	acquisitions or investments with the prior consent of the Bank. Any request for
consent to include projections including forward testing of the Financial Covenants set
out in Clause 11.

Loans

	10.11	 	The Borrower shall not, nor shall it permit any of its Subsidiaries to make any loan or
grant credit to or for the benefit of any person except:-

	 	(a)	 	amounts of credit allowed by any member of the Group in the normal course of its
trading activities;

	 	(b)	 	loans made by any member of the Group to another member of the Group;

	 	(c)	 	loans made by a member of the Group to its employees where such loans do not, when
aggregated with all such loans made by all members of the Group, exceed £200,000 at any
time; or

	 	(d)	 	the issue of vendor loan notes pursuant to an acquisition.

Dividends

	10.12	 	The Borrower may not make, pay or declare any dividend except with the prior written consent
of the Bank, such consent not to be unreasonably withheld or delayed if the Financial
Covenants set out in Clause 11 of this Agreement have been complied with.

UAG Inc Loan

	10.13	 	The Borrower procures that UAG UK Holdings Limited will not repay any loan granted to it by
UAG Inc except with the prior written consent of the Bank, such consent not to be unreasonably
withheld or delayed if the Financial Covenants set out in Clause 11 of this Agreement have
been complied with or unless all amounts due under Bank Indebtedness have been repaid in full
and cancelled.

Security

	10.14	 	The Borrower shall, as soon as is practicable and in any event not later than the date which
is 150 days after the date of completion of the Acquisition, ensure that:-

	 	(a)	 	the security referred to in Clause 12.1(b) has been completed to the Bank’s
satisfaction;

	 	(b)	 	all necessary provisions and procedures as detailed in Sections 151 to 158 of the
Companies Act 1985 regarding the financial assistance to be provided by the Target and if
appropriate its Subsidiaries have been completed, where applicable, to the satisfaction
of the Bank and its legal advisers; and

	 	(c)	 	a report in the form as set out in Schedule 2 has been provided to the Bank by the
auditors of the Target and, if appropriate, its Subsidiaries.

Material Subsidiaries

	10.15	 	The Borrower procures that any member of the Group that becomes a Material Subsidiary shall
within 150 days of becoming a Material Subsidiary execute, subject to, and to the extent
permitted under, all applicable laws, any additional documents including security documents
which the Bank may require, in a form and content satisfactory to the Bank.

Insurances

	10.16	 	The Borrower shall, and shall procure that each of its Subsidiaries shall, effect and
maintain such insurance (including if required by the Bank terrorism cover) over its assets
and business in such manner and to such extent as is reasonable and customary for a business
engaged in the same or a similar activity and the same or similar localities to the Borrower
or its Subsidiaries subject to the terms of any security provided by the Borrower or its
Subsidiaries.

	 	 	 
	 	 	Environment
	10.17

	 	The Borrower shall, and shall procure that each of its Subsidiaries shall:-

	 	(a)	 	comply with any material applicable environmental laws, regulations or practices
and comply with and renew all licences, permits, consents or other authorisations held in
respect of the Borrower’s/its Subsidiaries business;

	 	(b)	 	conduct its business in a manner which cannot form the basis of any material
environmental claim against it; and

	 	(c)	 	promptly notify the Bank of any breach of any environmental material law,
regulation or practice or any licence, permit, consent or other authorisation held and
remedy at the Borrower’s expense any such breach by use of the best available techniques
not entailing excessive cost,

save where failure to do so would constitute a Material Adverse Effect.

	 	 	 
	 	 	Authorisations and Compliance
	10.18

	 	The Borrower shall, and shall procure that each of its Subsidiaries shall:-

	 	(a)	 	comply with all material licences, permits, consents or other authorisations
required to conduct its business and with all applicable laws, regulations or other legal
requirements; and

	 	(b)	 	promptly notify the Bank of any material breach of (i) any law, regulation or other
legal requirement and/or (ii) any licence, permit, consent or other authorisation held,
and immediately remedy such breach.

Illegality

	10.19	 	The Borrower shall on receiving notice from the Bank repay the Facility either forthwith or
on a future specified date together with interest accrued to the date of repayment and all
other amounts payable under this Agreement by the Borrower if any change in or the
introduction of any law, regulation, treaty, official directive or rule of any regulatory
authority or organisation having jurisdiction or any change in the interpretation or
application thereof should render it unlawful or a breach thereof for the Bank to make the
Facility available or to give effect to its obligations and exercise its rights contemplated
by this Agreement. The Bank reserves the right to convert any Foreign Currency utilisation
together with any other sums outstanding in Foreign Currency to Sterling, at the market rate
of exchange as determined by the Bank on the relevant day, in the event of the Facility
becoming repayable as a result of such happening.

Cash Cover for Bonds

	10.20	 	In the event that the Commitment Period is not extended in terms of Clause 5 or is otherwise
terminated the Bank may, (at the end of the Commitment Period or on termination) at its sole
discretion, and without prejudice to the other provisions in this Agreement or in any counter
indemnity held, call on the Borrower to deposit with and the Borrower will pay to the Bank an
amount up to the aggregate of the Maximum Liability under all outstanding Bonds, together with
any commission due.

If the Bank requires, at its sole discretion, that any amount paid to the Bank pursuant to
this Clause and/or Clause 14.1 will be charged to the Bank as security against any claims made
upon the Bank under any Bond outstanding hereunder, the Borrower undertakes to immediately
grant or cause to be granted to the Bank security in the Bank’s preferred form over such
amounts.

Any sums deposited with or charged to the Bank in terms of this Clause may be applied by the
Bank, at its sole discretion, against any claims made upon the Bank under any outstanding
Bonds.

	11	 	FINANCIAL COVENANTS

Covenants

	11.1	 	The Borrower undertakes that for each accounting period ending on a compliance date as
specified in Clause 11.3 the financial performance of the Group shall have been such that:-

EBITAR:Interest and Rental Payable

	 	(a)	 	the ratio of Consolidated EBITAR to Consolidated Interest and Rental Payable shall
not be less than 2:1;

Net Debt:EBITDA

	 	(b)	 	the ratio of Consolidated Net Borrowings to Consolidated EBITDA less Stocking
Interest shall not be more than 3.25:1; and

Capital Expenditure (net of sale and leaseback proceeds)

	 	(c)	 	Capital Expenditure shall not exceed £50,000,000.

	 	 	 
	 	 	Financial Definitions
	11.2

	 	For the purposes of Clause 11.1 the following definitions shall have the meanings shown opposite them:-

"Capital Expenditure” means, in relation to any accounting period of the Group, any amount
paid to acquire tangible fixed assets where such expenditure is capitalised on the balance
sheet of the Group but excluding:-

(i) net proceeds received from sale and leasebacks;

	 	 	 
	(ii)

(iii)

(iv)

	 	rental payments in respect of finance leases;

fixed assets acquired through the acquisition of a business; and

maintenance payments which are charged to the profit and loss account;

"Consolidated Borrowing Costs” means, in relation to any accounting period of the Group, the
aggregate of all interest, commission, fees, and charges payable by the Group in respect of
its Consolidated Gross Borrowings during such period including without limitation:-

	 	(i)	 	capitalised interest;

	 	(ii)	 	finance lease charges; and

	 	(iii)	 	dividends on shares issued on the basis that they are or may become redeemable,

but excluding interest payable by associates and joint ventures;

"Consolidated EBIT” means, in relation to any accounting period of the Group, the profit/loss
of the Group on ordinary activities before tax and after exceptional items but after adding
back:-

	 	(i)	 	exceptional losses charged below operating profit;

	 	 	 
	(ii)

(iii)

(iv)

	 	Consolidated Borrowing Costs (net of capitalised interest and dividends on redeemable shares);

interest payable by associates and joint ventures;

the Group’s share of operating losses arising in associates and joint ventures; and

	 	(v)	 	the Group’s share of exceptional losses arising in associates and joint ventures;

	 	 	 
	and after deducting:-

(vi)

(vii)

(viii)

(ix)

	 	

interest receivable and other similar income;

income from fixed asset investments;

exceptional gains credited below operating profit;

interest receivable by associates and joint ventures;

	 	(x)	 	the Group’s share of operating profits arising in associates and joint ventures;
and

	 	(xi)	 	the Group’s share of exceptional gains arising in associates and joint ventures,

providing that no amount included, added or deducted shall be taken into account more than
once in calculating Consolidated EBIT;

“Consolidated EBITAR” means, in relation to any accounting period of the Group, EBIT plus
adding back:-

	 	(i)	 	amortisation of goodwill and intangibles;

	 	(ii)	 	rental paid

"Consolidated EBITDA” means, in relation to any accounting period of the Group, EBIT plus

adding back:-

(i) amortisation of goodwill and intangibles; and

(ii) depreciation;

"Consolidated Gross Borrowings” means at any time the aggregate of all obligations of the
Group for the repayment of money, whether present or future, actual or contingent incurred in
respect of:-

	 	(i)	 	money borrowed from all sources;

	 	 	 
	(ii)

(iii)

(iv)

	 	any bonds, notes, loan stock, debentures or similar instruments;

eligible debt securities, bills of exchange or documentary credits;

shares issued on the basis that they are or may become redeemable (at redemption value);

	 	(v)	 	gross obligations under finance leases;

	 	(vi)	 	the factoring of debts;

	 	(vii)	 	guarantees, indemnities or other assurances against financial loss; and

	 	(viii)	 	amounts raised or obligations incurred in respect of any other transaction which has
the commercial effect of borrowing;

"Consolidated Interest and Rental Payable” means, in relation to any accounting period of the
Group, Consolidated Borrowing Costs plus rental paid and due to be paid by the Group;

"Consolidated Net Borrowings” means at any time Consolidated Gross Borrowings less:-

	 	(i)	 	consolidated cash at bank and in hand;

	 	(ii)	 	any such obligations in respect of any loan from UAG Inc. or any other member of
the Group which is subordinated to amounts owing under Bank Indebtedness;

	 	(iii)	 	any such obligations in respect of Stocking Finance;

"Stocking Finance” means at any time all funding provided to any member of the Group for
vehicle stock, used demonstrators and consignment stock; and

"Stocking Interest” means, in relation to any accounting period of the Group, interest charged
on funding provided for vehicle stock, used demonstrators and consignment vehicles.

	 	 	 
	 	 	Compliance Dates
	11.3

	 	The dates for compliance with Clause 11.1 are :-

	 	(a)	 	each date as at which the financial statements produced pursuant to Clauses
10.2(a)(i) are prepared;

	 	(b)	 	each quarter date as at which the management accounts produced pursuant to Clause
10.2(a)(ii) are prepared; and

	 	(c)	 	each date as at which any additional accounts produced pursuant to Clause
10.2(a)(iv) are prepared,

in each case commencing with the financial statements/accounts produced for the period ending
31 December 2006.

Calculation

	 	 	11.4

	 	(a)	 	The calculation of the financial covenants detailed in Clause 11.1 shall be in
accordance with the accounting principles and policies applied in connection with the
Base Accounts and shall be confirmed by the Bank with reference to the financial
statements/accounts/compliance certificates produced pursuant to Clause 10.2(a).

	 	(b)	 	The calculation of the financial covenants detailed in Clause 11.1 which are
undertaken with reference to management accounts produced in accordance with Clause
10.2(a)(ii) shall be based on cumulative figures for the 12-month period (including
earnings of acquisitions on a pro-rata basis) ended on each relevant date for compliance.

Consistent Application of Accounting Principles

	11.5	 	If any member of the Group (a) changes its accounting policies as applied in connection with
the preparation of the Base Accounts whether as a result of a change in GAAP or otherwise,
and/or (b) changes its financial year end, the Borrower shall immediately notify the Bank of
the change to enable the Bank to determine whether the change affects the financial covenants
detailed in Clause 11.1. The Borrower and the Bank shall at the Bank’s request negotiate in
good faith with a view to agreeing such amendments to the financial covenants and/or the
relevant definitions as set out in Clause 11.2 as may be necessary to provide the Bank with
protection comparable to that granted as at the date of this Agreement. Any such amendments
will be documented by means of a supplementary agreement between the Borrower and the Bank.

Computation

	11.6	 	If there is any dispute as to any computation under this Clause 11 (including any amendment
sought pursuant to Clause 11.5) or as to the interpretation of any of the relevant definitions
in Clause 11.2, the decision of the Bank shall, in the absence of manifest error, be
conclusive and binding on the Borrower.

Duration

	11.7	 	The financial covenants set out in this Clause 11 shall remain in force so long as the
Facility is available to the Borrower.

	12	 	SECURITY

	12.1	 	The obligations of the Borrower to the Bank under this Agreement shall be secured by:-

	 	(a)	 	all existing security held by the Bank for the Borrower’s liabilities including:-

	 	(i)	 	Debentures by and an Unlimited Inter Company Guarantee with Accession
between the Borrower, United Auto Group UK Limited, Aston Green Limited, Sytner
Cars Limited, Guy Salmon Jaguar Limited, Sytner Limited, Prophets Garage Limited,
Sytner Holdings Limited, Yarnolds of Stratford Limited, Goodman Leeds Limited,
Kings Motors Limited, R Stratton & Co Ltd., R Stratton (Knutsford) Limited,
Hughenden Motor Company Limited, Hallamshire Motor Company Limited, Sytner
Sheffield Limited, Cruickshank Motors Limited, Graypaul Motors Limited, Sytner
Finance Limited, Guy Salmon Highgate Limited, Sytner London Limited, Sytner of
Leicester Limited, Sytner Coventry Limited, William Jacks Limited, William Jacks
Properties Limited, Ascot Garage Co.Limited, F.W. Mays & Co. Limited, Sandridge
Limited, W. A. Hatfield Limited, Prophets (Gerrards Cross) Limited and Pearlshadow
Limited (as amended from time to time).

	 	(b)	 	security in the Bank’s preferred form as follows:-

	 	(i)	 	Debentures by the Target and its Subsidiaries; and

	 	(ii)	 	an Accession Agreement to the Unlimited Inter Company Composite
Guarantee with Accession referred to in Clause 12.1(a)(i) by the Target and its
Subsidiaires.

	 	(c)	 	all future security which the Bank may from time to time hold for the Borrower’s
liabilities.

	12.2	 	For the avoidance of doubt the Borrower acknowledges that all security held and to be held by
the Bank shall unless the security document expressly states otherwise secure all the
liabilities of the Borrower to the Bank of whatsoever nature.

	13	 	SET OFF, RETENTION AND APPROPRIATION

	13.1	 	In addition to any other rights to which it may be entitled, including rights under any
guarantee or security, the Bank may retain, set off or appropriate any credit balances
(whether current or not yet due) on any accounts the Borrower may have with the Bank against
its liabilities under the Facility and any counter indemnity(ies), or any other obligations
the Borrower may owe to the Bank whether present, future, actual or contingent.

	13.2	 	The Bank may exercise any of these rights without prior notice both before and after demand
and in so doing may convert to Sterling at the prevailing market rate of exchange any balance
which is in a currency other than Sterling.

	14	 	EVENTS OF DEFAULT

	14.1	 	In the event that:-

Non Payment

	 	(a)	 	the Borrower fails to repay any Fixture and/or interest thereon on the due date; or

	 	(b)	 	a counter indemnity(ies) is not granted to the Bank in terms of Clause 4.3 or the
Bank is not reimbursed on demand in respect of any Bond in terms of which the Bank has
implemented its obligations and where appropriate the Bank is not prepared to exercise
its discretion to debit the Borrower’s account in terms of the relative counter
indemnity; or

	 	(c)	 	the Borrower fails to pay any other amount payable under this Agreement within 3
Business Days of its due date; or

Misrepresentation

	 	(d)	 	any representation or warranty made or repeated by the Borrower in this Agreement
is or proves to have been incorrect in any material respect when made or repeated; or

Breach of Other Obligations

	 	(e)	 	the Borrower fails to comply with any material provision of this Agreement or any
counter indemnity or the Borrower or any other grantor of security/a counter indemnity
fails to comply with any provision of the security/counter indemnity provided pursuant to
Clause 12/Clause 4.3 and, where capable of remedy, such failure is not remedied to the
reasonable satisfaction of the Bank within 7 Business Days of the Bank giving notice to
the Borrower or other grantor requiring the Borrower or other grantor to remedy the same;
or

Cross Default

	 	(f)	 	the Borrower or any of its Subsidiaries defaults in the performance of any other
agreement for borrowed monies in excess of £1,000,000 so as to accelerate or render
capable of acceleration the due date of repayment thereunder or such borrowed monies are
not repaid in full on the due date or repayment of any such borrowed monies is due on
demand and is not paid in full forthwith on such demand being made; or

Insolvency and Analogous Proceedings

	 	(g)	 	the Borrower or any of its Subsidiaries is unable to pay its debts within the
meaning of Section 123 of the Insolvency Act 1986 or the Borrower or any of its
Subsidiaries otherwise becomes insolvent or suspends making payments to all or any class
of its creditors or announces an intention to do so; or

	 	(h)	 	any attachment, sequestration, distress, execution or analogous event affects any
asset(s) of a member of the Group having a value of at least £500,000 and such process is
not discharged within 14 days; or

	 	(i)	 	a receiver or similar officer is appointed of the whole or any part of the assets
of the Borrower or any of its Subsidiaries or the Borrower or any of its Subsidiaries
requests any person to appoint such a receiver or similar officer or any other steps are
taken to enforce any charge or other security over any of the property of the Borrower or
any of its Subsidiaries or any analogous event takes place under another jurisdiction; or

	 	(j)	 	any order is made or any resolution is passed or application is made or a petition
is presented or other steps are taken in any jurisdiction for:-

	 	(i)	 	the winding up, dissolution or liquidation of the Borrower or any of
its Subsidiaries other than for the purpose of a reconstruction or amalgamation the
terms of which have previously been approved by the Bank in writing; or

	 	(ii)	 	the making of an administration order or there is given to the Bank or
any other person a notice (whether formal or informal) of intention to appoint an
administrator or any such appointment is made in relation to the Borrower or any of
its Subsidiaries; or

	 	(k)	 	any steps are taken by another creditor to repossess any goods in the possession of
the Borrower or any of its Subsidiaries under any hire purchase, conditional sale,
leasing, retention of title or similar agreement; or

Franchise Agreements

	 	(l)	 	a breach occurs under any a Material Franchising Agreement which has a Material
Adverse Effect.

Material Adverse Change

	 	(m)	 	any event occurs which in the reasonable opinion of the Bank will have a Material
Adverse Effect on the ability of the Borrower to comply with its obligations under this
Agreement

then in any such case and at any time thereafter while such event is continuing the Bank may
by written notice to the Borrower declare:-

	 	(i)	 	any Fixtures then outstanding together with all accrued interest; and

	 	(ii)	 	all other sums owing and/or liabilities (whether contingent or
otherwise) under this Agreement or under any counter indemnity

to be immediately due and payable whereupon the same shall become due and payable; and without
prejudice to the other provisions of this Agreement or any counter indemnity held call on the
Borrower to deposit with the Bank an amount equal to the aggregate of the Maximum Liability
under all outstanding Bonds including any commission due pursuant to the provisions of Clause
10.20.

	14.2	 	In the event that the Facility becomes due and payable as a result of the happening of any of
the events detailed in Clause 14.1 the Bank reserves the right to convert any Foreign Currency
utilisation together with any other sums outstanding in Foreign Currency to Sterling at the
market rate of exchange as determined by the Bank on any relevant day.

	14.3	 	Interest and/or commission and/or other costs, expenses and fees shall continue to be charged
on any utilisations under this Agreement until the Facility is repaid and the Bank has no
further actual, contingent or prospective liability under all outstanding Bonds and the
outstanding interest, commission and other sums due in terms of this Agreement are paid in
full.

	15	 	FEES EXPENSES AND INDEMNITIES

	15.1	 	The Borrower shall meet all costs, charges and expenses incurred (including the fees and
expenses of any legal advisers whether directly employed by the Bank or who provide other
services to the Bank) in connection with:-

	 	(a)	 	the preparation and execution of this Agreement;

	 	(b)	 	the constitution and discharge of the security detailed in Clause 12 and any
further security granted in favour of the Bank pursuant to Clause 12;

	 	(c)	 	the enforcement or preservation of the Bank’s rights under this Agreement, the
security held by the Bank in terms of Clause 12 and any counter indemnities provided in
terms of Clause 4 (including but not limited to the expense of taking any step to enforce
any of its rights or to communicate with the Borrower after any breach of this Agreement
or any security held by the Bank in terms of Clause 12 or any counter indemnities
provided in terms of Clause 4). For the avoidance of doubt, such costs charges and
expenses shall include any internal management and administrative costs incurred by the
Bank; and

	 	(d)	 	the compliance with the Companies Act 1985 provisions as detailed in Clause
10.14(b) and the provision of the report as detailed in Clause 10.14(c).

	15.2	 	The Borrower shall indemnify the Bank against any loss (including loss of margin) or expense
which the Bank shall certify as sustained or incurred by it as a consequence of:-

	 	(a)	 	the occurrence of any Event of Default; or

	 	(b)	 	any Fixture being repaid other than on maturity; or

	 	(c)	 	the Bank acting on telephone instructions provided by the Borrower; or

	 	(d)	 	the Bank converting any Foreign Currency utilisation outstanding to Sterling
pursuant to this Agreement

including in any such case but not limited to any loss or expense sustained or incurred in
making available, maintaining or funding any Fixture or in liquidating or re-employing
deposits acquired to make available, maintain or fund any such Fixture.

	15.3	 	The Borrower shall pay to the Bank an arrangement fee of £315,000 on the date which is the
earlier of (i) the date on which the Borrower first utilises the Facility and (ii) the date
which is 5 Business Days after this Agreement is signed on behalf of the Borrower.

	15.4	 	The Borrower shall pay to the Bank a commitment commission calculated at the rate of 35% of
the applicable Margin per annum on that part of the Facility which remains undrawn from time
to time. The commitment commission shall be charged with effect from the date of this
Agreement and on the basis of actual days elapsed and a year of 365 days. Any sum due in
respect of commitment commission shall be debited to a current account in the name of the
Borrower with the Bank quarterly in arrears.

	15.5	 	In the event that the Borrower cancels the Facility or any part thereof within 12 months of
the date on which the Acquisition is completed, as a result of the Borrower refinancing the
Facility with another financial institution the Borrower shall make an additional payment to
the Bank equivalent to 1% of the sum cancelled.

	16	 	NOTICES

	16.1	 	Every notice or other communication made under this Agreement shall unless otherwise stated
be in writing (by way of letter, telex or facsimile transmission) and shall be given:-

	 	(a)	 	in the case of the Borrower to its registered office; and

	 	(b)	 	in the case of the Bank to the Bank Office.

	16.2	 	Every notice or other communication shall be deemed to have been received:-

	 	(a)	 	in the case of a letter when delivered personally or two days after its posting by
first class post; and

	 	(b)	 	in the case of a telex or facsimile transmission when despatched.

	 	 	 
	17	 	MISCELLANEOUS
	17.1

	 	The Borrower may not assign or transfer any of its rights or obligations under this Agreement.
	 
	 	 
	17.2

	 	

	 	(a)	 	If the Borrower maintains an account with the Bank then the Bank shall be entitled
to debit any amounts payable by the Borrower under this Agreement including interest,
commission and unpaid fees and expenses to such account.

	 	(b)	 	If the Borrower does not maintain an account with the Bank then the Borrower shall
be required by the Bank to make such arrangements as the Bank may require in respect of
payments required under this Agreement, including, without limitation, the opening of a
feeder account for the purpose of collecting funds for the payment of all sums due under
this Agreement and to which the Bank may debit any amounts payable by the Borrower under
this Agreement including interest, commission and unpaid fees and expenses (whether or
not this results in an overdrawn balance on such feeder account). Interest on any
overdrawn balances on such feeder account shall be charged at the Bank’s prevailing
unauthorised borrowing rate (currently 29.5% per annum but subject to variation from time
to time).

	17.3	 	No delay or omission on the part of the Bank in exercising any of its rights powers or
privileges under this Agreement shall operate as a waiver thereof nor shall any single or
partial exercise of any right power or privilege preclude any other or further exercise
thereof or the exercise of any other right power or privilege.

	17.4	 	If a change in a currency of a country occurs (including where there is more than one
currency or currency unit recognised at the same time as the lawful currency of a country),
this Agreement will be amended to the extent the Bank determines is necessary to reflect the
change.

	17.5	 	If at any time any one or more of the provisions of this Agreement is or becomes invalid,
illegal or unenforceable in any respect, the validity, legality or enforceability of the
remaining provisions of this Agreement shall not in any way be affected or impaired.

	17.6	 	RBS is authorised to act as the agent for the Bank in connection with the administration of
the Facility and the Borrower agrees that RBS may act as agent for and on behalf of the Bank
in the performance of administrative functions under this Agreement. Where actions require to
be performed, consents given or notices given or received by the Bank hereunder they may, at
the option of the Bank, be performed by RBS acting as agent for the Bank and for the purposes
of this Agreement will be deemed to be actions of the Bank.

	18	 	LAW

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

In Witness whereof this Agreement is executed by the duly authorised representatives of the Bank
and the Borrower.

For and on behalf of RBS acting as agent for the Bank

Signature Jason Necker

Date 31 August 2006

For and on behalf of the Borrower

Signature Mark Carpenter

Date 31 August 2006

2

Schedule 1

	(1)	 	The Margin payable by the Borrower pursuant to Clause 3.4 will be determined by reference to
the financial covenant detailed in (2) below, as evidenced by the certificate of compliance
delivered to the Bank pursuant to Clause 10.2(a)(v) (the “Certificate of Compliance”) for each
relevant date for compliance detailed in Clause 11.3.

	(2)	 	The Margin for the Facility will be as set out in Column B below and shall be determined
against the ratio of Consolidated Net Borrowings to Consolidated EBITDA as set out in Column A
below:-

	 	 	 	 	 
	Column A	 	Column B
	Greater than or equal to 3:1

	 	 	1.25	%
	 

	 	 	 	 
	 
	 	 	 	 
	Greater than or equal to 2.5:1

	 	 	1.1	%
	 

	 	 	 	 
	 
	 	 	 	 
	Greater than or equal to 2:1

	 	 	0.95	%
	 

	 	 	 	 
	 
	 	 	 	 
	Greater than or equal to 1.5:1

	 	 	0.85	%
	 

	 	 	 	 
	 
	 	 	 	 
	Greater than or equal to 1:1

	 	 	0.75	%
	 

	 	 	 	 
	 
	 	 	 	 
	Less than 1:1

	 	 	0.65	%
	 

	 	 	 	 

	(3)	 	Any reduction in the Margin shall be effective from the from the next Business Day following
the date on which the Bank receives the Certificate of Compliance evidencing such ratio
provided that no Event of Default has occurred and is continuing.

	(4)	 	In the event that a reduction in the Margin has taken place and the ratio of Consolidated Net
Borrowings to Consolidated EBITDA subsequently exceeds the ratio required to qualify for such
Margin, the Margin shall be increased to the figure detailed in Column B above opposite the
relevant ratio quoted in Column A above, with effect from the next Business Day following the
date on which the Bank receives the Certificate of Compliance evidencing such ratio.

	(5)	 	For the purposes of this Schedule 1, “Consolidated EBITDA” and “Consolidated Net Borrowings”
shall be as defined in Clause 11.2 of this Agreement and all other words and meanings shall be
as defined in Clause 1.2 of this Agreement.

3

Schedule 3

	 	 	 
	SYTNER BMW/MINI Nottingham

	 	GUY SALMON LANDROVER Sheffield
	 

	 	 
	 
	 	 
	SYTNER BMW/MINI Leicester

	 	GUY SALMON LANDROVER Leeds
	 

	 	 
	 
	 	 
	SYTNER BMW/MINI Sheffield

	 	GUY SALMON LANDROVER Coventry
	 

	 	 
	 
	 	 
	SYTNER BMW/MINI Solihull

	 	GUY SALMON LANDROVER Stratford
	 

	 	 
	 
	 	 
	SYTNER BMW/MINI Coventry

	 	GUY SALMON LANDROVER Knutsford
	 

	 	 
	 
	 	 
	SYTNER BMW/MINI City

	 	GUY SALMON LANDROVER Wakefield
	 

	 	 
	 
	 	 
	SYTNER BMW/MINI High Wycombe

	 	GUY SALMON LANDROVER Stockport
	 

	 	 
	 
	 	 
	SYTNER BMW/MINI Chigwell

	 	Tollbar Volvo Coventry
	 

	 	 
	 
	 	 
	SYTNER BMW/MINI Harold Wood

	 	Tollbar Volvo Warwick
	 

	 	 
	 
	 	 
	SYTNER BMW/MINI Sunningdale

	 	Audi Leeds
	 

	 	 
	 
	 	 
	Sytner Rolls Royce Sunningdale

	 	Audi Wakefield
	 

	 	 
	 
	 	 
	MERCEDES-BENZ OF Bristol

	 	Audi Bradford
	 

	 	 
	 
	 	 
	MERCEDES-BENZ OF WSM

	 	Audi Harrogate
	 

	 	 
	 
	 	 
	MERCEDES-BENZ OF Newbury

	 	Audi Slough
	 

	 	 
	 
	 	 
	MERCEDES-BENZ OF Swindon

	 	Audi Reading
	 

	 	 
	 
	 	 
	MERCEDES-BENZ OF Bath

	 	Audi Guildford
	 

	 	 
	 
	 	 
	MERCEDES-BENZ OF Gloucester

	 	Audi West London
	 

	 	 
	 
	 	 
	MERCEDES-BENZ OF Milton Keynes

	 	Audi Victoria
	 

	 	 
	 
	 	 
	MERCEDES-BENZ OF Kettering

	 	Lexus Leicester
	 

	 	 
	 
	 	 
	MERCEDES-BENZ OF Northampton

	 	Lexus Oxford
	 

	 	 
	 
	 	 
	MERCEDES-BENZ OF Bedford

	 	Lexus Birmingham
	 

	 	 
	 
	 	 
	Kings KINGS CHRYSLER-JEEP Manchester

	 	Lexus Bristol
	 

	 	 
	 
	 	 
	Varsity CHRYSLER-JEEP Oxford

	 	Lexus Cardiff
	 

	 	 
	 
	 	 
	KINGS CHRYSLER-JEEP Gloucester

	 	Lexus Milton Keynes
	 

	 	 
	 
	 	 
	KINGS CHRYSLER-JEEP Swindon

	 	Toyota World Birmingham
	 

	 	 
	 
	 	 
	KINGS CHRYSLER-JEEP Bristol

	 	Toyota World Tamworth
	 

	 	 
	 
	 	 
	Guy Salmon Jaguar Thames Ditton

	 	Toyota World Bristol Central
	 

	 	 
	 
	 	 
	Guy Salmon Jaguar Ascot

	 	Toyota World Bristol North
	 

	 	 
	 
	 	 
	Guy Salmon Jaguar Gatwick

	 	Toyota World Cardiff
	 

	 	 
	 
	 	 
	Guy Salmon Jaguar Maidstone

	 	Toyota World Newport
	 

	 	 
	 
	 	 
	GUY SALMON LANDROVER Thames Ditton

	 	Toyota World Bridgend
	 

	 	 
	 
	 	 
	GUY SALMON LANDROVER Ascot

	 	Graypaul Ferrari/Maserati Nottingham
	 

	 	 
	 
	 	 
	GUY SALMON LANDROVER Gatwick

	 	Graypaul Ferrari/Maserati Edinburgh
	 

	 	 
	 
	 	 
	GUY SALMON LANDROVER Maidstone

	 	Porsche Centre Mid-Sussex
	 

	 	 
	 
	 	 
	GUY SALMON LANDROVER Portsmouth

	 	Porsche Centre Silverstone
	 

	 	 
	 
	 	 
	Hapstead Volvo Gatwick

	 	Porsche Centre Edinburgh
	 

	 	 
	 
	 	 
	Hapstead Volvo Croydon

	 	Porsche Centre Glasgow
	 

	 	 
	 
	 	 
	Hapstead Volvo Horsham

	 	Bentley Manchester
	 

	 	 
	 
	 	 
	Tollbar Volvo Twickenham

	 	Bentley Birmingham
	 

	 	 
	 
	 	 
	Honda Redhill

	 	Bentley Edinburgh
	 

	 	 
	 
	 	 
	Guy Salmon Jaguar Coventry

	 	Saab Oxford
	 

	 	 
	 
	 	 
	Guy Salmon Jaguar Northampton

	 	

	 

	 	

	 
	 	 
	Guy Salmon Jaguar Oxford

	 	

	 

	 	

	 
	 	 

4

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