Document:

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                                                                    EXHIBIT 10.8

                              EMPLOYMENT AGREEMENT

                  THIS AGREEMENT is made as of the 16th day of March 1999, by
and between NICHOLAS FINANCIAL, INC., a British Columbia, Canada corporation
(the "Company"), and PETER L. VOSOTAS (the Employee).

                              W I T N E S S E T H:

                  WHEREAS, the Company desires to assure itself of the
Employee's continued employment in an Employee capacity;

                  WHEREAS, the Company recognizes that circumstances may arise
in which a change in control of the Company occurs, through acquisition or
otherwise, thereby causing uncertainty about the Employee's future employment
with the Company without regard to the Employee's competence or past
contributions, which uncertainty may result in the loss of valuable services of
the Employee to the detriment of the Company and its shareholders, and the
Company and the Employee wish to provide reasonable security to the Employee
against changes in the Employee's relationship with the Company in the event of
any such change in control;

                  WHEREAS, the Company and the Employee are desirous that any
proposal for a change in control or acquisition of the Company will be
considered by the Employee objectively and with reference only to the best
interests of the Company and its shareholders;

                  WHEREAS, the Employee will be in a better position to consider
the Company's best interests if the Employee is afforded reasonable security, as
provided in this Agreement, against altered conditions of employment which could
result from any such change in control or acquisition; and

                  WHEREAS, the Employee desires to be employed by the Company on
the terms and conditions hereinafter set forth.

                  NOW, THEREFORE, in consideration of the mutual covenants and
agreements of the parties contained herein, and other good and valuable
consideration, the receipt and sufficiency of which is hereby acknowledged, the
parties hereto covenant and agree as follows:

                  1.       EMPLOYMENT AND DUTIES. Subject to the terms and
conditions of this Agreement, the Company agrees to employ the Employee, and the
Employee hereby agrees to serve the Company, as President & CEO. Peter L.
Vostotas shall report directly to Board of Directors and shall render to the
Company such management [and policy-making] services of the type customarily
performed by persons serving in similar capacities with other employers that are
similar to the Company, together with such other duties with which he is charged
by the Company's By-laws and subject to the overall direction and control of the
Company's Board of Directors. The Employee accepts such employment and agrees to
devote his best efforts and substantially all of his business time, skill, labor
and attention to the performance of such duties. The Employee agrees not to
engage in or be concerned with any other commercial duties or pursuits during
the Term (as hereinafter defined) of this Agreement; provided, however, that the
Employee may be involved in a passive capacity in a non-competitive business
subject to the prior written approval of the Company's Board of Directors.
Furthermore, the Employee shall assume and competently perform such reasonable
responsibilities and duties as may be assigned to him from time to time by the
Board of Directors of the Company. To the extent that the Company shall have any
parent, subsidiary, affiliated corporations, partnerships, or joint venture
(collectively "Related Entities"), the Employee shall perform such duties to
promote these entities and their respective interests to the same extent as the
interests of the Company without additional compensation. At all times, Employee
agrees

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that he has read and will abide by, and prospectively will read and abide by,
any employee handbook, policy, or practice that the Company or Related Entities
has or hereafter adopts with respect to its employees generally.

                  2.       TERM. Subject to the terms and conditions of this
Agreement, including but not limited to the provisions for termination set forth
in Section 5 hereof, the employment of the Employee under this Agreement shall
commence on the date hereof and shall continue through and including the close
of business on the 1st anniversary of the date hereof (the "Initial Term");
provided, however, that this Agreement shall renew automatically on the
anniversary of such termination date for successive 2-year terms (the Initial
Term, as well as any such renewal (s) thereof, shall be referred to herein as
the "Term") unless the Company provides to the Employee, at least sixty (60)
days prior to the expiration of the Initial Term or any renewal Term, written
notification that it intends not to renew this Agreement; and, provided,
further, that this Agreement may be terminated in accordance with Section 5
hereof (with the exception of the obligations of the parties hereunder that
shall survive any such termination).

                  3.       COMPENSATION.

                           (a) Annual Base Salary and Bonus. As compensation for
his services under this Agreement, the Employee shall receive, and the Company
shall pay, an annual base salary of such amount as shall be determined by the
Company's Board of Directors not less than $144,000 for the first year of the
Term, and thereafter during the Term at such annual base salary as shall be
determined by the Company's Board of Directors. Such annual base salary shall be
payable in equal installments in accordance with the policy then prevailing for
the Company's Employees. In addition to such annual base salary, the Employee
shall be entitled, during the Term, to an annual performance bonus as determined
by the Compensation Committee of the Board of Directors (or other committee
performing similar functions), and to participate in and receive payments from
all other bonus and other incentive compensation plans as may be adopted by the
Company as are made available to other Employees of the Company.

                           (b) Payments. All amounts paid pursuant to this
Agreement shall be subject to withholding or deduction by reason of the Federal
Insurance Contribution Act, Federal income tax, state and local income tax, if
any, and comparable laws and regulations.

                           (c) Other Benefits. The Employee shall be reimbursed
by the Company for all reasonable and customary travel and other business
expenses incurred by him in the performance of his duties hereunder in
accordance with the Company's standard policy regarding expense verification
practices. The Employee shall be entitled to that number of weeks paid vacation
per year that is available to other Employee's of the Company, and shall be
eligible to participate in such pension, life insurance, health insurance,
disability insurance and other employee benefits plans, if any, which the
Company may from time to time make available to its Employee's generally.

                  4.       NONCOMPETITION AND NON-DISCLOSURE REQUIREMENTS.

                           (a) Employee acknowledges that his services are of a
special, unique, extraordinary and intellectual character, and his position with
the Company places him in a position of confidence and trust with customers,
suppliers and employees of the Company and other Related Entities. The Employee
further acknowledges that the rendering of services under this Agreement
necessarily requires the disclosure to him of confidential information (as
defined below) of the Company and/or Related Entities. The Employee and the
Company agree that both prior to and during his course of employment with the
Company, the Employee had, has and will continue to develop personal
relationships with the Company's financiers, customers, suppliers and employees,
and that the Employee holds a position of substantial trust and confidence. As a
consequence, the Employee agrees that it is reasonable

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and necessary for the protection of goodwill and legitimate business interests
of the Company and Related Entities that the Employee make the covenants
contained herein, that the covenants are a material inducement for the Company
to employ the Employee and to enter into this Agreement, and that the covenants
are given as an integral part of and incident to this Agreement.

                           (b) The Employee covenants and agrees that during his
employment by the Company (whether during the Term hereof or otherwise), and
thereafter for a period of two (2) years following the termination of the
Employee's employment with the Company, he will not:

                                    (i)      directly or indirectly engage in,
         continue in or carry on the business of the Company or any Related
         Entity, or any business substantially similar thereto, including owning
         or controlling any financial interest in, any corporation, partnership,
         firm or other form of business organization which competes with or is
         engaged in or carries on any aspect of such business or any business
         substantially similar thereto;

                                    (ii)     directly or indirectly, assist,
         promote or encourage any employees or clients, or potential employees
         or clients, of the Company or Related Entities to terminate or
         discontinue their relationship in order to pursue opportunities or
         employment with any competitor of the Company or Related Entities;

                                    (iii)    consult with, advise or assist in
         any way, whether or not for consideration, any corporation,
         partnership, firm or other business organization which is now, becomes
         or may become a competitor of the Company or any Related Entity in any
         aspect of their respective businesses during the Employee's employment
         with the Company, including, but not limited to: advertising or
         otherwise endorsing the products of any such competitor; soliciting
         customers or otherwise serving as an intermediary for any such
         competitor; or loaning money or rendering any other form of financial
         assistance to or engaging in any form of business transaction whether
         or not on an arms' length basis with any such competitor; or

                                    (iv)     engage in any practice the purpose
         of which is to evade the provisions of this Agreement or to commit any
         act which is detrimental to the successful continuation of, or which
         adversely affects, the business or the Company; provided, however, that
         the foregoing shall not preclude the Employee's ownership of not more
         than 5% of the equity securities of a corporation which has such
         securities registered under Section 12 of the Securities Exchange Act
         of 1934, as amended (the "Exchange Act").

                           (c) The Employee acknowledges that the inventions,
innovations, software, trade secrets, business plans, financial strategies,
finances, and all other confidential or proprietary information with respect to
the business and operations of the Company and Related Entities are valuable,
special and unique assets of the Company. The Employee agrees not to, at any
time during or after the Term of this Agreement, disclose, directly or
indirectly, to any person or entity, or use or authorize or propose to authorize
any person or entity to use any confidential or proprietary information with
respect to the Company or Related Entities without the prior written consent of
the Company including, without limitation, information as to the financial
condition, results of operations, identities of clients or prospective clients,
products under development, acquisition strategies or acquisitions under
consideration, pricing or cost information, marketing strategies or any other
information relating to the Company or any of the Related Entities which could
be reasonably regarded as confidential. However, this does not include
information which is or shall become generally available to the public other
than as a result of disclosure by the Company or Related Entities or any of
their agents, affiliates or representatives or a person to whom any of them has
provided such information.

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                           (d) The Employee agrees that the geographic scope of
this covenant not to compete shall extend to (i) the states of Florida, Georgia
and North Carolina, which constitute the geographic area in which the Company
has operated its business at some time during the two years preceding the date
of this Agreement; or (ii) such broader geographic area where the Company
conducts business at any time during the Term of this Agreement.

                           (e) In the event of any breach of this covenant not
to compete, the Employee recognizes that the remedies at law will be inadequate
and that in addition to any relief at law which may be available to the Company
for such violation or breach and regardless of any other provision contained in
this Agreement, the Company shall be entitled to equitable remedies (including
an injunction) and such other relief as a court may grant after considering the
intent of this Section 4.

                           (f) In the event a court of competent jurisdiction
determines that the provisions of this covenant not to compete are excessively
broad as to duration, geographic scope, prohibited activities or otherwise, the
parties agree that this covenant shall be reduced or curtailed to the extent
necessary to render it enforceable.

                  5.       TERMINATION.

                           (a) Death. The Employee's employment hereunder shall
terminate upon his death.

                           (b) Disability. If, during the Term, the Employee
becomes physically or mentally disabled in accordance with the terms and
conditions of any disability insurance policy covering the Employee or, if due
to such physical or mental disability, the Employee becomes unable for a period
of more than twelve (12) consecutive months to perform his duties hereunder on
substantially a full-time basis as determined by the Company in its sole
reasonable discretion, the Company may, at its option, terminate the Employee's
employment hereunder upon not less than thirty (30) days' written notice of
termination.

                           (c) Cause. The Company may terminate this Agreement
at any time with Cause. As used in this Agreement, "Cause" shall mean the
following: (1) a material violation of the Employer's policies or practices
which reasonably justifies termination; (2) conviction of a felony or any crime
involving moral turpitude, fraud, dishonesty or misrepresentation, as evidenced
by a binding and final judgment, order or decree of a court of competent
jurisdiction; (3) the commission by the Employee of any act which could
reasonably be expected to materially injure the reputation, business, or
business relationships of the Company or Related Entities; or (4) any material
breach by Employee of this Agreement. The Company may terminate this Agreement
with cause as defined in clauses (1), (2), (3) and (4) above upon ten (10) days
prior written notice (the "Cause Notification Period") to Employee, but such
termination shall only become effective in the event of Employee's failure to
cure the applicable breach or violation, to the reasonable satisfaction of
Company, prior to the end of the Cause Notification Period. The Company may
terminate this Agreement without notice at any time with Cause as defined in
clause (3) above. In the event of a termination with Cause, the Company shall be
relieved of all its obligations to the Employee provided for by this Agreement,
and all payments to the Employees hereunder shall immediately cease and
terminate.

                           (d) Involuntary Termination by Employee. The Employee
may terminate his employment hereunder upon (i) a Change of Control of the
Company (as defined in Appendix A), (ii) a good faith determination by the
Employee that there has been a material breach of the Agreement by the Company,
(iii) a material adverse change in the Employee's working conditions or status
or (iv) a significant relocation of the Employee's principal office (any one of
the preceding constituting "Good

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Reason"), by delivering written notice of termination to the Company indicating
in reasonable detail the facts and circumstances alleged to provide a basis for
such termination and shall cease performing the Employee's duties hereunder on
the date which is ten (10) days after delivery of the notice, which date shall
also be the date of termination of the Employee's employment.

                           (e) Voluntary Termination by Employee. The Employee
agrees to provide the Company with at least twenty (20) business days
("Termination Notice Period") prior written notice of his intent to terminate
employment voluntarily. Failure to provide such notice terminates the Employee's
entitlement to payment of accrued, unused benefits, such as vacation. However,
the Company reserves the right to terminate the Employee before the end of the
Termination Notice Period, provided that the Company pays the Employee the
salary that he would have received from the date of the last payroll payment to
the end of the Termination Notice Period. During the Termination Notice Period,
the Employee agrees to make a good faith effort to perform the duties described
hereunder. If, during the Term, the Employee's voluntarily terminates his
employment with the Company, the Company's obligations, including payment
obligations, under this Agreement shall cease, except that the Company shall pay
the Employee the amount of base salary that he would have received from the date
of the last payroll payment to the end of the Termination Notice Period.

                           (f) Severance Payment. In the event of a termination
of the Employee's employment (i) by the Company other than for Cause or (ii) by
the Employee in a manner which satisfies Section 5(d), the Company shall pay the
Employee (subject to the provisions of Section 6 of this Agreement) a one-time,
lump-sum severance payment equal TWO to 2 times the sum of (A) the Employee's
annual base salary in effect at the time of such termination and (B) the
Employee's average annual bonus and other compensation for the TWO (2) full
calendar years immediately preceding such termination ("Severance Payment"). The
Severance Payment shall be paid to the Employee in cash equivalent not later
than ten (10) business days after the date of termination of the Employee's
employment, subject to the provisions of Section 6 of this Agreement.

                           (g) Benefits. The following shall apply upon
termination of the Employee's employment:

                                    (i)      Notwithstanding anything to the
         contrary herein contained, the Employee shall receive all compensation
         and other benefits to which he was entitled under this Agreement or
         otherwise as an employee of the Company through the termination date,
         including payments of base salary accrued hereunder through the
         calendar month in which such termination occurs.

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                  6.       TAX PROVISIONS.

                           (a) No Excess Parachute Payment. It is the intention
of the Company and the Employee that no portion of the Severance Payment or any
other payment or benefit under this Agreement, or payments to or for the benefit
of the Employee under any other agreement or plan (collectively, the "Severance
Benefits") be deemed to be an excess parachute payment as defined in Section
280G of the Internal Revenue Code of 1986, as amended (the "Code") or any
successor provision thereto. Notwithstanding any other provision of this
Agreement, if any portion of the Severance Benefits would constitute a parachute
payment within the meaning of Section 280G of the Code, such Severance Benefits
shall be reduced to an amount equal to One Dollar ($1.00) less than the maximum
amount which the Employee may receive without becoming subject to the tax
imposed by Section 4999 of the Code (or any successor provision) or which the
Company may pay without loss of deduction under Section 280G(a) of the Code (or
any successor provision).

                           (b) Opinion. For purposes of this Section, within
sixty (60) days after delivery of a written notice of termination by the
Employee or by the Company pursuant to this Agreement or written notice by the
Company to the Employee of its belief that there is a payment or benefit due the
Employee which will result in an excess parachute payment as defined in Section
280G of the Code or any successor provision thereto, the Employee and the
Company shall obtain, at the Company's expense, the opinion (which need not be
unqualified) of nationally recognized tax counsel ("Tax Counsel") selected by
the Company's independent auditors and acceptable to the Employee, which sets
forth (A) the "base amount" within the meaning of Section 280G; (B) the
aggregate present value of the payments in the nature of compensation to the
Employee as prescribed in Section 280G(b)(2)(A)(ii); and (C) the amount and
present value of any "excess parachute payment" within the meaning of Section
280G(b)(1). If such an opinion of Tax Counsel is sought, no portion of the
Severance Payment shall be paid to the Employee by the Company until ten (10)
days after the opinion is obtained.

                  In the event that such opinion determines that there would be
an excess parachute payment, the Severance Benefits shall be reduced or
eliminated as specified by the Employee in a written notice delivered to the
Company within thirty (30) days of his receipt of such opinion or, if the
Employee fails to so notify the Company then as the Company shall reasonably
determine, so that under the bases of calculation set forth in such opinion
there will be no excess parachute payment. For purposes of such opinion, the
value of any noncash benefits or any deferred payment or benefit shall be
determined by the Company's independent auditors in accordance with the
principles of Sections 280G, which determination shall be evidenced in a
certificate of such auditors addressed to the Company and the Employee. Such
opinion shall be dated as of the date of termination of the Employee's
employment and addressed to the Company and the Employee and shall be binding
upon the Company and the Employee.

                  The provisions of this Section 6(b), including the
calculations, notices and opinions provided for herein shall be based upon the
conclusive presumption that the compensation earned by the Employee pursuant to
the Company's compensation programs prior to a change of control is reasonable,
provided, however, that in the event such Tax Counsel so requests in connection
with the opinion required by this Section 6(b), the Company shall obtain at its
expense, and Tax Counsel may rely on in providing the opinion, the advice of a
firm of recognized Employee compensation consultants as to the reasonableness of
any item of compensation to be received by the Employee.

                           (c) Ruling. The Employee shall have the right to
request that the Company obtain a ruling from the Internal Revenue Service
("IRS") as to whether any or all payments or benefits determined by such Tax
Counsel are, in the view of the IRS, "parachute payments" under Section 280G. If
a ruling is sought pursuant to the Employee's request, no Severance Benefits
payable under this

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Agreement in excess of the Section 280G limitation shall be made to the Employee
until after fifteen (15) days from the date of such ruling; however, Severance
Benefits shall continue to be paid during the time up to the amount of that
limitation. For purposes of this Section 6, the Employee and the Company shall
agree to be bound by the IRS's ruling as to whether payments constitute
"parachute payments" under Section 280G. If the IRS declines, for any reason, to
provide the ruling requested, the Tax Counsel's opinion shall control and the
period during which the Severance Benefits may be deferred shall be extended to
a date fifteen (15) days from the date of the IRS's notice indicating that no
ruling would be forthcoming.

                           (d) Effect of Change in Law. In the event that the
provisions of Sections 280G and 4999 of the Code (or any successor provisions)
are repealed, this Section 6 shall cease to be effective on the effective date
of such repeal. The parties to this Agreement recognize that final regulations
promulgated under Section 280G of the Code may affect the amounts that may be
paid under this Agreement and agree that, upon issuance of such final
regulations, this Agreement may be modified as the parties hereto may in good
faith deem necessary in light of the provisions of such regulations to achieve
the purposes of this Agreement, and that consent to such modification shall not
be unreasonably withheld.

                  7.       ADDITIONAL PAYMENT.

                           (a) If, notwithstanding the provisions of Section 6
of this Agreement, it is ultimately determined by a court or pursuant to a final
determination by the IRS that any portion of the Severance Benefits is subject
to the tax (the "Excise Tax") imposed by Section 4999 of the Code (or any
successor provision), then the Company shall pay to the Employee an additional
amount (the "Gross-Up Payment") such that the net amount retained by the
Employee, after deduction of (i) any Excise Tax; (ii) any federal, state or
local income tax, interest charges or penalties arising in respect of the
imposition of such Excise Tax; and (iii) any federal, state or local income tax
or Excise Tax imposed upon the payment provided for by this Section 7, shall be
equal to the Severance Benefits. For purposes of determining the amount of the
Gross-Up Payment, the Employee shall be deemed to pay federal income taxes at
the highest marginal rate of federal income taxation in the calendar year in
which the Gross-Up Payment is to be made and state and local income taxes at the
highest marginal rates of taxation in the state and locality of the Employee's
domicile for income tax purposes on the date the Gross-Up Payment is made, net
of the maximum reduction in federal income taxes that could be obtained from
deduction of such state and local taxes.

                           (b) If legislation is enacted that would require the
Company's stockholders to approve this Agreement, prior to a Change in Control,
due solely to the provision contained in subsection (a) of this Section 7, then
(i) from and after such time as stockholder approval would be required, until
stockholder approval is obtained as required by such legislation, subsection (a)
shall be of no force and effect; (ii) if the Company seeks stockholder approval
of any other agreement providing similar benefits to any other Employee of the
Company, the Company shall seek stockholder approval of this Agreement at the
same stockholders meeting or meetings at which the stockholders consider any
such other agreement; and (iii) the Company and the Employee shall use their
best efforts to consider and agree in writing upon an amendment to this Section
7 such that, as amended, such Section would provide the Employee with the
benefits intended to be afforded to the Employee by subsection (a) without
requiring stockholder approval.

                  8.       SUCCESSORS.

                           (a) If the Company sells, assigns or transfers all or
substantially all of its business and assets to any Person or if the Company
merges into or consolidates or otherwise combines (where the

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Company does not survive such combination) with any Person (any such event, a
"Sale of Business"), then the Company shall assign all of its right, title and
interest in this Agreement as of the date of such event to such Person, and the
Company shall cause such Person, by written agreement in form and substance
reasonably satisfactory to the Employee, to expressly assume and agree to
perform from and after the date of such assignment all of the terms, conditions
and provisions imposed by this Agreement upon the Company. Failure of the
Company to obtain such agreement prior to the effective date of such Sale of
Business shall be a material breach of this Agreement. In case of such
assignment by the Company and of assumption and agreement by such Person, as
used in this Agreement, "Company" shall thereafter mean such Person which
executes and delivers the agreement provided for in this Section 8 or which
otherwise becomes bound by all the terms and provisions of this Agreement by
operation of law, and this Agreement shall inure to the benefit of, and be
enforceable by, such Person. The Employee shall, in the Employee's discretion,
be entitled to proceed against any or all of such Persons, any Person which
theretofore was such a successor to the Company (as defined in the first
paragraph of this Agreement) and the Company (as so defined) in any action to
enforce any rights of the Employee hereunder. Except as provided in this
Subsection, this Agreement shall not be assignable by the Company. This
Agreement shall not be terminated by the voluntary or involuntary dissolution of
the Company.

                           (b) This Agreement and all rights of the Employee
shall inure to the benefit of and be enforceable by the Employee's personal or
legal representatives, executors, administrators, heirs and beneficiaries. All
amounts payable to the Employee under Sections 3, 5, and 7 of this Agreement if
the Employee had lived shall be paid, in the event of the Employee's death, to
the Employee's estate, heirs and representatives; provided, however, that the
foregoing shall not be construed to modify any terms of any benefit plan of the
Company, as such terms are in effect on the date of the Employee's death, that
expressly govern benefits under such plan in the event of the Employee's death.

                  9.       SEVERABILITY. The provisions of this Agreement shall
be regarded as divisible, and the parties agree that if any of said provisions
or any part hereof shall under any circumstances be deemed or declared invalid,
inoperative or unenforceable, then the validity and enforceability of the
remainder of such provisions or parts hereof and the applicability thereof shall
not be affected thereby.

                  10.      AMENDMENT. This Agreement may not be amended or
modified at any time except by written instrument executed by the Company and
the Employee.

                  11.      WITHHOLDING. The Company shall be entitled to
withhold from amounts to be paid to the Employee hereunder any federal, state or
local withholding or other taxes or charges which it is from time to time
required to withhold; provided, that the amount so withheld shall not exceed the
minimum amount required to be withheld by law (unless the Employee has otherwise
indicated in writing). The Company shall be entitled to rely on an opinion of
nationally recognized tax counsel if any question as to the amount or
requirement of any such withholding shall arise.

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                  12.      NOTICE. For purposes of this Agreement, notices and
all other communications provided for herein shall be in writing and shall be
deemed to have been duly given when actually received, whether hand-delivered,
sent by telecopier, facsimile transmission or other electronic means of
transmitting written documents (as long as receipt is acknowledged) or mailed by
United States certified or registered mail, return receipt requested, postage
prepaid, addressed as follows:

If to the Employee, to:

                  Peter L. Vosotas
                  2849 Shady Oak Ct.
                  Clearwater, FL 33759

If to the Company, to:

                  Nicholas Financial, Inc.
                  2454 McMullen Booth Road
                  Building C
                  Clearwater, Florida  33759
                  Attn: President

or to such other address as either party may have furnished to the other in
writing in accordance herewith, except that a notice of change of address shall
be effective only upon receipt.

                  13.      NO WAIVER; ENTIRE AGREEMENT. No waiver by any party
hereto of any breach of this Agreement by any other party hereto shall be deemed
a waiver of any similar or dissimilar term or condition at the same or at any
prior or subsequent time. This Agreement is the entire agreement between the
parties hereto with respect to the Employee's employment by the Company and
there are no agreements or representations, oral or otherwise, expressed or
implied, with respect to or related to the employment of the Employee which are
not set forth in this Agreement.

                  14.      NO ASSIGNMENT. Except as expressly set forth herein,
no party shall assign any of his or its rights under this Agreement without the
prior written consent of the other party and any attempted assignment without
such prior written consent shall be null and void and without legal effect.

                  15.      COUNTERPARTS; FACSIMILE SIGNATURES. This Agreement
may be executed in one or more counterparts, each of which shall be deemed an
original, but all of which together shall constitute one and the same
instrument. This Agreement may be effective upon the execution and delivery by
any party hereto of facsimile copies of signature pages hereto duly executed by
such party; provided, however, that any party delivering a facsimile signature
page covenants and agrees to deliver promptly after the date hereof two (2)
original copies to the other party hereto.

                  16.      GOVERNING LAW.

                           (a) The validity, interpretation, construction and
performance of this Agreement shall be governed by the internal laws of the
State of Florida, except that Section 16(b) shall be construed in accordance
with the Federal Arbitration Act if arbitration is chosen by the Employee as the
method of dispute resolution.

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                           (b) Any dispute arising out of this Agreement shall,
at the Employee's election, be determined by either (i) arbitration under the
rules of the American Arbitration Association then in effect (but subject to any
evidentiary standards set forth in this Agreement), in which both parties shall
be bound by the arbitration award, or (ii) by litigation. Whether the dispute is
to be settled by arbitration or litigation, the venue for the arbitration or
litigation shall be Tampa, Florida. The parties consent to personal jurisdiction
in each trial court in the selected venue having subject matter jurisdiction
notwithstanding their residence or situs, and each party irrevocably consents to
service of process in the manner provided hereunder for the giving of notices.

                  17.      CERTAIN RULES OF CONSTRUCTION. No party shall be
considered as being responsible for the drafting of this Agreement for the
purpose of applying any rule construing ambiguities against the drafter or
otherwise. No draft of this Agreement shall be taken into account in construing
this Agreement. Any provision of this Agreement which requires an agreement in
writing shall be deemed to require that the writing in question be signed by the
Employee and an authorized representative of the Company.

                  18.      HEADINGS. The headings herein contained are for
reference only and shall not affect the meaning or interpretation of any
provision of this Agreement. IN WITNESS WHEREOF, the parties have executed this
Agreement as of the day and year first above written.

                                 NICHOLAS FINANCIAL, INC.

                                 By: /s/Ralph T. Finkenbrink
                                    --------------------------------------------
                                    Ralph T. Finkenbrink, Sr. VP - Finance & CFO

                                 EMPLOYEE:

                                 /s/Peter L. Vosotas
                                 -----------------------------------------------
                                 Printed Name: Peter L. Vosotas

                                      -10-

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                                   APPENDIX A

                  For purposes of Section 5(d) of this Agreement, a Change of
Control shall be deemed to have occurred if the event set forth in any one of
the following paragraphs shall have occurred:

                           (i)      any person or entity, or group thereof
         acting in concert (a "Person") (other than (A) the Company or any of
         its subsidiaries, (B) a trustee or other fiduciary holding securities
         under any employee benefit plan of the Company or any of its
         subsidiaries, (C) an underwriter temporarily holding securities
         pursuant to an offering of such securities or (D) a corporation owned,
         directly or indirectly, by the stockholders of the Company in
         substantially the same proportions as their ownership of stock in the
         Company), being or becoming the "beneficial owner" (as such term is
         defined in Securities and Exchange Commission ("SEC") Rule 13d-3 under
         the Exchange Act) of securities of the Company which, together with
         securities previously owned, confer upon such person, entity or group
         the combined voting power, on any matters brought to a vote of
         shareholders, of twenty percent (20%) or more of the then outstanding
         shares of voting securities of the Company; or

                           (ii)     the sale, assignment or transfer of assets
         of the Company or any subsidiary or subsidiaries, in a transaction or
         series of transactions, if the aggregate consideration received or to
         be received by the Company or any such subsidiary in connection with
         such sale, assignment or transfer is greater than fifty percent (50%)
         of the book value, determined by the Company in accordance with
         generally accepted accounting principles, of the Company's assets
         determined on a consolidated basis immediately before such transaction
         or the first of such transactions; or

                           (iii)    the merger, consolidation, share exchange or
         reorganization of the Company (or one or more direct or indirect
         subsidiaries of the Company) as a result of which the holders of all of
         the shares of capital stock of the Company as a group would receive
         less than fifty percent (50%) of the combined voting power of the
         voting securities of the Company or such surviving or resulting entity
         or any parent thereof immediately after such merger, consolidation,
         share exchange or reorganization; or

                           (iv)     the adoption of a plan of complete
         liquidation or the approval of the dissolution of the Company; or

                           (v)      the commencement (within the meaning of SEC
         Rule 13e-4 under the Exchange Act) of a tender or exchange offer which,
         if successful, would result in a Change of Control of the Company; or

                           (vi)     a determination by the Board of Directors of
         the Company, in view of the then current circumstances or impending
         events, that a Change of Control of the Company has occurred or is
         imminent, which determination shall be made for the specific purpose of
         triggering the operative provisions of this Agreement.

                                      -11-<PAGE>

                                                                    EXHIBIT 10.9

[NICHOLAS LOGO] NICHOLAS FINANCIAL, INC.
                AUTOMOBILE DEALER RETAIL PURCHASE AGREEMENT

The undersigned Dealer proposes to sell to the undersigned Nicholas Financial,
Inc. (NFI), from time to time, Promissory Notes, Security Agreements, Retail
Installment contracts, Conditional Sales Contracts, or other instruments
hereinafter referred to as "Contracts", evidencing installment payment
obligations owing Dealer arising from the time sale of motor vehicle(s) and
secured by such Contracts. It is understood that NFI shall have the sole
discretion to determine which Contracts it will purchase from Dealer.

1. Dealer represents and warrants that Contracts submitted to NFI for purchase
shall represent valid, bonafide sales for the respective amount therein set
forth in such Contracts and that such Contracts represent sales of motor
vehicles owned by the Dealer and are free and clear of all liens and
encumbrances.

2. Upon purchase by NFI of any contracts hereunder from dealer, dealer shall
endorse and assign to NFI the obligations and all pertinent security, security
instruments, along with such provisional endorsements as may be stipulated for
such contracts purchased by NFI.

3. This Agreement, and sums payable hereunder, may not be assigned by Dealer
without written consent of NFI.

4. Dealer acknowledges that NFI charges an acquisition fee and a $75.00 loan
processing charge on all contracts purchased and funded by NFI. The acquisition
fee and loan processing charge are taken from Dealer Proceeds and are
Non-Refundable. The amount is disclosed on each transaction and is set by
Nicholas Financial, Inc.

6. NFI and Dealer agree to abide by all Federal Privacy laws with respect to the
customer's nonpublic personal information they collect and share with one
another, using such information only as permitted by the Privacy Laws.

7. No Provisions hereof may be modified, changed or supplemented, unless both
parties agree to the amendment in writing.

NICHOLAS FINANCIAL, INCORPORATED            Dealer______________________________

By:__________________________________       By:_________________________________

Date:________________________________       Date:_______________________________

Nicholas Financial, Inc.
Corporate Offices
2454 McMullen Booth Road
Building C, Suite 501B
Clearwater, FL 33759
Telephone (727) 726-0763
Facsimile (727) 726-2140

<PAGE>

Nicholas Financial, Inc. February 26, 2004

                              Dealer Agreement List
THURSTON FLEET SALES
ROYAL PALM AUTO SALES INC.
MAROONE CHEVROLET
VETERAN'S AUTO SALES
BILL BOND AUTO SALES INC.
BOB PRICE MOTORS, INC
DELUCA CHRYSLER JEEP, INC
JOEY D'S AUTO OUTLET
U RIDE AUTO SALES
FAIRLANE FORD
ARCH ABRAHAM SUZUKI
A TO Z AUTO SALES
RICK'S AUTO SALES INC.
CAPITAL SALES
JOE PANIAN CHEVROLET
MOTORCAR EXCHANGE
SUNRISE AUTOWORLD
JD BYRIDER
GAINESVILLE AUTO MALL
TED'S AUTO SALES, INC.
WHITES AUTOMOTIVE CO
BILLS AUTO SALES & LEASING,LTD
GALAXY ACCEPTANCE &
THE TRUCK JUNCTION, INC
PEFFLEY FORD, INC
NATIONAL MOTOR CARS
USA AUTO CENTER INC.
SATURN OF GREENSBORO
TOWN & COUNTRY FORD
WEST PALM NISSAN, INC
CARNAHAN CHEVY
CANNON AND GRAVES AUTO SALES
GMS
A & B MOTORS
WEST 50 AUTO SALES
PLATTNER'S
JACK FROST AUTO SALES
AUTOWAY CHEVROLET
ED TILLMAN AUTO SALES
BOB STEELE CHEVROLET INC.
STADIUM TOYOTA
JO MAX AUTO SALES INC.
IMPERIAL MOTORS
SEMINOLE SUBARU INC.
BYERS CHRYSLER PLYMOUTH
FOOTHILLS FORD OF BELTO
JOHN FINGER MAZDA
GROVEPORT MOTORCAR
MARSHALL FORD WEST
EXPRESS CARS
PRESTIGE LINCOLN MERCURY, INC.
MAROONE NISSAN
KISSIMMEE TOYOTA
FIRKINS C.P.J.S.
CAROLINA KIA
GRAYSON'S SALES & LEASING, INC
AUTOWORLD OF GREENSBORO
CROWN AUTO DEALERSHIPS INC.
THOMAS AUTO SALES, INC
ITEWAY AUTO SERVICE & SALES
CAR QUEST OF TAMPA BAY, INC.
HATCHER'S AUTO SALES
MARSHALL FORD
BEST BUY AUTO SALES, INC
KOE-MAK CORP
LEITH FORD
BEDFORD AUTO WHOLESALE
O'CONNOR AUTOMOTIVE, INC
BUDGET CAR SALES
BILL BRANCH CHEVROLET
GERMAIN TOYOTA
BA-KARS INC
KEITH PIERSON TOYOTA
AUSTIN MOTORS, INC
POMOCO USED
CALLAHAN AUTO SALES
MILESTONE MOTORS, L.L.C.
MARTY FELDMAN CHEVY
SIMONS AUTO DEPOT
RUSSELL GRIFFIN MOTOR CO
VICAR MOTORS OF ORLANDO INC.
FRANCO MOTORS
GOLDEN OLDIES
USED CAR SUPERMARKET
FOSTER MOTOR CO., INC.
FITZGERALD MOTORS, INC.

<PAGE>

OLD SOUTH SALES INC.
PETE MOORE CHEVROLET, INC
WALT SWEENEY FORD, INC
GANLEY DODGE WEST, INC
THE AUTO OUTLET
CITY CHEVROLET
FRANK MYERS AUTO SALES, INC
HWY 70 AUTO SALES INC
BYERS DUBLIN CHEVROLET
CREST MOTORS
MAROONE CHEVROLET
ADKINS ENTERPRISES, INC.
LOGANVILLE AUTO SALES
AUTOMAX
ACURA OF ORANGE PARK
HAKAN FINANCE CORP
PANHANDLE AUTOMOTIVE INC.
DALE JARRETT FORD
MINCER MOTORS, INC.
BO WILLIAMS BUICK INC.
AZZA MOTORS, INC.
WEST COAST CAR & TRUCK SALES
THORNTON CHEVROLET, INC
SOUTHTOWNE
AUTO RITE, INC
MATHEWS FORD OREGON, INC
CARS UNLIMITED
GANLEY EAST, INC
CAR CORRAL, INC
BILL CURRIE FORD
ALL STATE MOTORS INC
SAMSON'S USED CARS INC.
INTERNATIONAL CAR PORT
WORLD TOYOTA
FERMAN CHEVROLET OF WAUCHULA
AUTO USA, INC
WILLIAMS HONDA, INC.
AUTOWAY PONTIAC GMC NORTH
FLORIDA AUTO EXCHANGE
TOMLINSON MOTOR COMPANY OF
AUTOMOTIVE SOLUTIONS
AUTOWAY NISSAN
PRECISION TOYOTA
AACC AUTO CAR SALES, INC
LARRY JAY IMPORTS, INC
STARRS CARS AND TRUCKS, INC
SAM GALLOWAY FORD INC.
YOUR #1 AUTOMOTIVE
MILFORD MOTORS, INC
REGAL FORD, INC
MALIBU AUTO EXCHANGE OF
JERRY HUNT AUTO SALES
BOBB DUNN FORD, INC
ULTIMATE IMAGE AUTO, INC
NIMNICHT PONTIAC
AMERICAR II
CAR FINDERS, INC
CRESTMONT CADILLAC
CRESCENT FORD, INC
AUTO JUNCTION
ALLEN TURNER AUTOMOTIVE
ALH AUTO WHOLESALE OF
JOHN M. LANCE FORD LLC
ED VOYLES CHRYSLER-PLYMOUTH
CHRISTIAN AUTO BROKERS, INC
MATIA MOTORS, INC
COBB PARKWAY CHEVROLET
LARRY'S CAR CONNECTION
LTD MOTORS
QUALITY WHOLESALE CARS, INC
ARCADIA CHEVROLET
GETTEL NISSAN INC
CRAIG'S HARTVILLE AUTO MALL
EJ'S AUTO WORLD,INC.
JENKINS NISSAN, INC.
RICHARD'S AUTO SALES
RELIABLE USED CARS
FERMAN CHRYSLER PLYMOUTH
FERMAN NEW PORT RICHEY
THRIFTY CAR RENTAL
PINE STREET 59ERS, INC.
BOBBY MURRAY CHEVROLET
LAKE NISSAN SALES, INC.
THE CAR CONNECTION, INC.
LEXINGTON AUTOMOTIVE &
AUTOVILLE, USA
BUDGET RESALE, INC
NATIONAL CAR MART, INC
BOBB CHEVROLET
TEAM HONDA
SOUTH FLORIDA TRANSPORTATION
LEESBURG TRUCK CENTER
USA AUTO DEALERS
MIKE SHAD NISSAN
JOSEPH MOTORS
ORANGE AUTO SALES, INC

<PAGE>

DAVID SMITH AUTOLAND, INC.
CHEVROLET BUICK OF QUINCY INC.
CJ'S USED CARS, INC
IMPORT MOTORSPORT, INC
SUNRISE AUTO SALES
SOUTHEASTERN AUTO SALES
THE CAR CABANA OF
DAN'S AUTO SALES, INC
L & F AUTO SALES
AUTOWAY LINCOLN-MERCURY
MCCOTTER FORD INC
DUVALL ACCURA
PARK FORD
BUCHANAN JENKINS HYUNDAI
STYKEMAIN CHEVROLET PONTIAC
FIRST TEAM HYUNDAI
BIG THREE AUTO SALES
EXECUTIVE MOTORS, INC.
MCGUIRE AUTO CENTER
SPIRIT FORD INC
DOYLE AUTOMOTIVE II
NORTH FLORIDA AUTO INC.
EDDIE ANDRESON MOTORS
COURTESY CHRYSLER JEEP
AUTO IMAGE
ECONOMY MOTORS, INC
CENTRAL CAROLINA PRE-OWNED
SUNSHINE DODGE INC.
GREENBRIER VW LLC
INTERNATIONAL AUTO WHOLESALERS
HAMPTON CHEVROLET
TREASURE COAST IMPORTS LLC
BRANDON HONDA
DIAMOND CHEVROLET
MARIETTA PONTIAC
PHILLIPS CHRYSLER-JEEP, INC
SATURN OF THE AVENUES
COGGIN PONTIAC-GMC
FIRST TEAM ISUZU
WHITMAN FORD
MOTOR CITY OF CAPE CORAL INC.
SATURN OF REGENCY
HONDA EAST
HONDA CARS OF BRADENTON
BOWDITCH FORD
DAYTON ANDREWS DODGE
ST. PETE JEEP EAGLE
BARTOW CHEVROLET
HONDA CARS OF CONCORD
AMAR AUTO COMPANY, INC
THOMASVILLE TOYOTA
J. M. MATERA INC.
AUTOWAY FORD OF BRADENTON
NICHOLS DODGE, INC.
BEV SMITH FORD, INC.
GREEN GIFFORD CHRYSLER JEEP
HENDRICK CHEVROLET LLC
HARRELSON FORD, INC
THOMAS & SON INC.
CAPITAL CAR SALES & LEASING
CARS TRUCKS AND SUV'S INC.
COLUMBUS AUTO RESALE, INC
COCOA HYUNDAI
HELLER CAR COMPANY, INC
PELHAM'S AUTO SALES
DANIELLE DRIVE CORP @
BOYETTE AUTOMOTIVE SALES
JIM PACE PONTIAC, INC
UNITED SALES AND LEASING, INC
ALL SEASONS AUTO SALES
SURE SAVES AUTOS INC,.
BELLE GLADE CHEVROLET
GALLOWAY AUTOMOTIVE LLP DBA
ERNIE HAIRE FORD
YERTON LEASING & AUTO SALES
PRESTIGE MOTORCAR GALLERY INC.
ATLANTA TOYOTA
MASTERS AUTO SALES
MANATEE MOTORS
TERRY CULLEN CHEVROLET
MARIEMONT AUTOS
KERRY TOYOTA
LIBERTY PONTIAC GMC TRUCK, INC
SHEEHAN PONTIAC
PARKS CHEVROLET, INC
PALM CHEVROLET
GWINNETT PLACE FORD
ENTERPRISE LEASING CO. OF ORL.
JARRETT FORD HAINES CITY
LORITO AUTO SALES INC.
ED THOMAS AUTOS & LEASING INC.
BOB DANCE JEEP EAGLE
DAVID MAUS TOYOTA
MOORMAN PONTIAC, INC
GETTEL TOYOTA
RIVERSIDE TRUCK & AUTO

<PAGE>

PARKS CHEVROLET - GEO
AUTOLEASE AMERICA, INC
JC AUTOMAX
ORLANDO AUTO SPECIALISTS, INC
CARTERSVILLE MITSUBISHI
MIKE DUMAN AUTO SALES
VIC BAILEY LINCOLN MERCURY
FOOTHILLS PREOWNED OF ANDERSON
32 FORD MERCURY, INC.
HURRICANE AUTO SALES, INC.
STEARNS MOTORS OF NAPLES
ED HARRISON AUTO SALES INC.
SHOWCASE AUTOS, INC
BRONDES FORD, INC
MOTORCARS ACURA/VOLVO
MNCCLUSKEY CHEVROLET, INC
ARO OF PALM BEACH
CREDIT MOTORS
PUGMIRE ISUZU
DAYTON ANDREWS INC.
LAW AUTO SALES, INC
MIDWEST AUTO GROUP, INC
TERRY'S AUTOMOTIVE, INC
TIM LALLY CHEVROLET, INC
MCKINNEY DODGE CHRYSLER
GULF AUTOMOTIVE GROUP, INC
RALLYE MOTORS, INC
SATURN SW FLORIDA LLC DBA
MOTOR CAR CONCEPTS II
AL HENDRICKSON TOYOTA
ANGELO MICHAEL TROY DBA
PENSACOLA AUTO BROKERS, INC
ANTHONY WAYNE AUTO SALES
TAYLOR OLDSMOBILE, INC
OLSON MOTORS, INC
STU'S PREOWNED INC
HOT WHEELS AUTOMOTIVE GROUP
EVANS USED CARS INC.
QUALITY AUTO LINK INC
GULF WEST AUTOMOTIVE, INC.
DON REID FORD INC.
GERMAIN OF SARASOTA
JAY CHEVROLET, INC
BANK AUTO SALES
SIGNATURE AUTO SALES
MARIANNA TOYOTA
NALLEY INFINITI
JERRY ULM DODGE INC.
KISTLER FORD, INC
PT MOTORS
ALL AMERICAN MOTORS
CANNON CAR COMPANY
GEORGE MATICK CHEVY
FAIRWAY FORD OF ANDERSON
CALVARY CARS & SERVICE, INC
INTERNATIONAL MOTOR CARS
ASHEBORO MITSUBISHI
SIR WALTER CHEVROLET
INDIAN MOUND PONTIAC MAZDA
COURTESY TOYOTA
COURTESY AUTO GROUP INC.
SUNSHINE AUTO GROUP II, INC
HURRICANE AUTO SALES
MAHER CHEVROLET INC
FORT MYERS TOYOTA INC.
CARLISLE DODGE
FREEDOM FORD INC
WADE RAULERSON
KEFFER DODGE,INC
MIKE DAVIDSON FORD
CERTIFIED AUTO WORLD, INC
BOULEVARD AUTO BROKERS
OHARA CHRYSLER DODGE JEEP, INC
DON SCOTT MOTORS
BUCHANAN JENKINS HYUNDAI
CURRY HONDA
NAPLETON'S NORTH PALM AUTO PK
LEE A. FOLGERS, INC.
JERRY'S AUTO SALES
COCONUT CREEK MITSUBISHI
SH & F INC./PAYDAY MOTOR SALES
MONROE DODGE/CHRYSLER INC.
LEGACY TOYOTA OF UNION CITY
HAINES CITY PARTNERS, LLC
MARCH MOTORS INC.
MAGIC CITY SALES INC
JIM QUINLAN CHEVROLET
HANSELMAN AUTO SALES INC.
PROCTOR & PROCTOR
AUTO LIQUIDATION CENTER, INC
CAR CITY AUTOS OF
ULTIMATE IMPORTS
RICK CASE HONDA
LANEY'S AUTO SALES
ANDY SIMS BUICK, INC
JON HALL PONTIAC

<PAGE>

JIMMIE M. JAMES JR AUTO CENTER
HOUSE ENTERPRISES, INC
AUTO MAX AUTO'S INC
CAROLINA AUTO IMPORTS
SHARPNACK FORD
TAMPA BAY AUTO MALL
PAUL CLARK ENTERPRISES
FAIRFIELD 4 AUTO SALES, INC.
TROPHY AUTOMOTIVE
COX MAZDA
PERFORMANCE CHEVROLET BMW
ULTIMATE CARS OF COLUMBIA INC
ANDERSON TRUCK FARM INC
MILLENNIUM KIA EAST
BENNETT AUTO BROKERS
HILLMAN MOTORS, INC.
CHAMPION CHEVROLET INC.
JOHN MCCURLEY'S AUTOMOTIVE
COGGIN PONTIAC OF ORANGE PARK
LIBERTY FORD, INC
BOB BENNETT FORD, INC
FINE GLOBAL AUTOMOBILES
NATIONAL AUTO BROKERS
TEAM PONTIAC-BUICK-GMC TRUCK
AMERICA'S CHOICE
BOB DANCE DODGE, INC
RED HOAGLAND PONTIAC GMC INC
PLANTATION FORD
MERRITT ISLAND MITSUBISHI
NICKS AUTO MART
GLENWAY DODGE, INC.
PAYLESS CAR SALES
LEADER FLEET SERVICES, INC.
TOM STANLEY COMPANY
SUNCOAST MITSUBISHI
JOHN BAILEY OLDS
BILL RAY NISSAN
LANTANA MOTORS
DG MOTORS
MATTHEWS-HARGREAVES CHEVROLET
WORLD FORD
ROGER DEAN CHEVROLET-GEO
PLATTNER AUTOMOTIVE OF VENICE
JOHNSON'S SELECT MOTORCARS
SATURN SW FLORIDA LLC DBA
AUTOMAX, CORP
B.R.W. ENTERPRISES
PRIMECAR CORP
AUTO SPORT OF VA BCH, INC
KIA AUTO SPORT
MIRACLE TOYOTA
MILLENNIUM MOTORS
FRED MARTIN FORD
BEST VALUE AUTO SALES
W & W AUTO SALES
GUARANTEE AUTO SALES
CAR WORLD INC.
GRAND 54 AUTO SALES INC.
L & W MOTORS INC
MICHAEL'S AUTO
THE AUTO SOURCE, INC
PARKWAY QUALITY CARS, INC.
B & G AUTO SALES, INC.
WADE FORD INC
THE CAR PARLOR INC.
AUTOWAY TOYOTA
AUTOQUEST INTERNATIONAL
SUPERIOR AUTO SALES
VIN DEVERS, INC
BRUCE KUNESH AUTO SALES
SEBRING FORD & LINCOLN-MERCURY
TEAM FORD OF MARIETTA
TOWN CENTER KIA
DARBY SOUTH BEECHMONT FORD
BIG D INC.
BRADSHAW ACURA
GREENWOOD CHEVROLET OLDS INC.
AUTOWAY HONDA ISUZU
SOUTH 41 AUTO SALES
MOTOR CARS HONDA
CENTRAL AUTO MART, INC
BRUNSWICK AUTO MART
BEACH FORD, INC
HILLSBOROUGH AUTO MART
AUTO SOLUTIONS OF
WALT'S AUTO SALES LLC
LOVE HONDA
EXTREME AUTO SALES &
COX CHEVROLET INC
GREENLIGHT AUTO LLC
COASTAL MITSUBISHI
AUTO SHOWCASE MOTORCARS OF
ARRINTON AND BLOUNT FORD INC
AUTO KING
MICHAEL HOLLEY CHEVROLET

<PAGE>

BOB FISCHER CHEVROLET
BILL HEARD CHEVROLET
PREMIER MOTORCAR GALLERY
ROY O'BRIEN, INC
FLORIDA IMPORT/EXPORT
MANATEE PRIDE AUTO SALES, INC
SPITZER MOTOR CITY
THE TRUCK FARM OF EASLEY
TOYOTA OF GREENVILLE, INC
SIDOTIS AUTOMOTIVE SALES, INC
FIRST COAST AUTO SALES OF
SPORT MITSUBISHI
HIGHLAND AUTO SALES INC.
TAMIAMI MOTORS INC.
CALDWELL MOTOR SPORTS, INC
METRO USED CARS
MIKE DAVIDSON MOTORS
DRIVE TIME
PONDELLA AUTO MALL, INC
RIST, LLC DBA LANIER HONDA
LOKEY OLDSMOBILE INC
NATIONAL SALES & LEASING, INC
CAR SEARCH 4 U INC
SBS AUTOS INC
JON HALL CHEVROLET INC.
PUTNAM CITY MOTORS, INC
ED VOYLES HONDA
PALM BEACH AUTOMALL
COURTESY PONTIAC-GMC
CARR CONNECTION, INC.
PARK AUTO MALL, INC
CAR-RIGHT
TOM ENDICOTT BUICK, INC.
AUCTION PARLOR
MODERN CORPORATION
BUY WISE USED CARS, INC
QUALITY 1 AUTOS, INC
YARK AUTOMOTIVE GROUP, INC
TRIPLE B AUTO SALES
BILL HEARD CHEVROLET INC
SUNCOAST CHRYSLER PLYMOUTH
K J ENTERPRISES
MORRIS PONTIAC GMC
NEW BAY AUTO SALES
VANN YORK AUTO MALL
VANN YORK TOYOTA, INC
WHOLESALE AUTO BROKERS, INC.
JJ AUTO SALES, INC.
JACK MAXTON CHEVROLET INC
BILL NEWTON NISSAN
PASCO MOTORS, INC
WEST COAST AUTO SALES, INC.
KIRKS AUTO SALES
AUTORAMA PREOWNED CARS
PARKWAY MOTORS, INC
DUVAL FORD
FIRKINS NISSAN
UNO AUTO SALES
IMAGINE CARS
LOKEY NISSAN
BEN SHIVES AUTO & BOAT BROKER
CAR CONNECTION
FRED MARTIN MOTOR COMPANY
NEWMAN'S VACATIONLAND MOTORS
TEAM TOYOTA
THRIFTY CAR SALES
JAKE SWEENEY CHEVROLET, INC
AVON PARK, LLC.
K & B FINANCIAL SERVICES INC
LOKEY MOTOR CO.
CITY PLACE MAZDA
G E A AUTO SALES
HEARTLAND MOTORS
MCGAFFS AUTO SALES
DAB INTERNATIONAL, INC
AUTO MART OF COLUMBIA INC
COUNTRY CLUB MOTORS
WHITLOW CHEVY, CORP.
JOE FIRMENT CHEVROLET
NISSAN OF MELBOURNE
JOHN ROGIN BUICK-LIVONIA, INC
ELITE AUTO LEASING & SALES
BELL MOTORS
KING'S NISSAN
ENCORE MOTORCARS OF SARASOTA
AUTO WORLD
PALM BAY FORD
JOHN NOLAN FORD
VESTAL PONTIAC BUICK GMC TRUCK
GARNER AUTO BROKERS
DRAKE MOTOR COMPANY
FLORIDA AUTO & TRUCK
GRIFFIN MOTOR CO, INC
ARLINGTON TOYOTA INC.
BILL LEGGETT AUTOMOTIVE, INC
BILL NEWTON CHRYSLER JEEP

<PAGE>

DECKER AUTO MART
FLAG CITY MOTOR CO. INC.
LEITH TOYOTA
JAY HONDA
MISS GIVINGS LLC
BOBBY WOOD CHEVROLET
CITY MITSUBISHI
A1A TRUCK & AUTO CENTER, INC
AUTO AUTO SALES, INC
CAR CHOICE
SHOWCASE AUTO SALES INC II
DISCOUNT AUTO BROKERS
CARS UNLIMITED
RICK CASE ATLANTA
BROCKMAN AUTOMOTIVE
EASTERN FLEET AUTO SALES
AUTO ONE CORPORATION
TAMPA BAY TRADING INC
SUMMITT AUTO SALES, LLC
APOSTOLAKIS HONDA
IMAJ CARS & TRUCKS
MARK MARTIN AUTO SALES
AUTOMART OF OCALA
SUNSET MOTORS, INC
TOYOTA OF DURHAM
PLATINUM FS
TROUTMAN MOTORS
SUNSTATE FORD
EXPO AUTO BROKERS, INC
CRYSTAL MOTOR CAR COMPANY, INC
JARRETT FORD OF PLANT CITY
FERMAN CHEVROLET
SOUTHSIDE DODGE
DICK SMITH NISSAN OF
1ST PLACE AUTO SALES, INC
LANDMARK DODGE CHRY/PLYM
SUN TOYOTA
GANLEY DODGE
C G AUTO SUPERCENTER
CAROLINA AUTO EXCHANGE
CHEVROLET OF DADE CITY
ROADWAY AUTO SALES, INC
TNT AUTO SALES AND SERVICE,INC
PLAZA DODGE INC.
VENICE NISSAN DODGE, INC
GROGANS TOWNE CHRYSLER
PARKS AUTOMOTIVE, INC
SOUTH GEORGIA AUTO SALES
COGGIN HONDA
COURTESY NISSAN
TAYLOR MORGAN INC DBA NETWORK
BRONDES FORD MAUMEE LTD
DICK KEFFER PONTIAC
AUTO SOURCE, INC
GREAT NECK AUTO SALES
MIKE SHAD CHRYSLER PLYMOUTH
CRAMER TOYOTA OF VENICE
MEROLLIS CHEVROLET SALES
J & C AUTO SALES
LARRY KING CHEVROLET
XTREME ENTERPRISES OF
HYUNDAI OF NEW PORT RICHEY
BUDGET CAR SALES OF SW FLORIDA
TEAM NISSAN OF MARIETTA
OWEN MOTORS INC.
UNIVERSITY MAZADA SUZUKI
PETE MOORE IMPORTS, INC
RODGERS CHEVROLET, INC
MAIN STREET MOTORS
CENTRAL FL CHRYSLER JEEP
MID STATE MOTORS
TAYLOR CHEVROLET
KEFFER CHRY PLYM JEEP
CAPITAL CITY MITSUBISHI
TALLAHASSEE HYUNDAI
HILLCREST V AUTO SALES, INC
BEST BUY MOTORS
SEXTON AUTO SALES, INC
CLINTON FAMILY FORD
TEAM FORD OF ATLANTA
AUTOWAY FORD OF ST PETE
RON ACKERMAN AUTO SALES
PLANT CITY MOTORS, INC
MANN MOTORS, LLC
SERPENTINI CHEVROLET, INC.
DRIVERS CHOICE,INC.
TREADWAY CHRYSLER DODGE JEEP
CHEROKEE FORD
METRO DODGE, INC.
KENCO ADVANTAGE INC.
GULF COAST DODGE
SATURN OF STUART
B.T. AUTO, INC
CAR SMART OF PALMETTO
SWAIN MOTOR & LEASING, INC
KING MITSUBISHI

<PAGE>

LAKE PLACID MOTOR CAR, INC
OLSON MOTORS, INC.
GATORLAND TOYOTA
TROPICAL FORD
GATOR FORD
LEE AUTO SALES
VILLAGE FORD INC
TAMPA HONDALAND
MASON AUTO SALES, INC
GASTONIA NISSAN, INC
OUTBACK AUTO SALES
M97 AUTO PARTS
CARS & US INC
NAPLES MITSUBISHI
WMW, INC.
LASH AUTO SALES, INC.
BOMAR CORPORATION
CHERRY WHEELS, INC
LAKESHORE CHEVROLET
SOUTHSIDE AUTOS
E CITY MOTORS, INC
GOLD BAY CLASSICS
LAWRENCE MOTORS INC.
AUTOSPORTS OF DAYTONA,INC.
MARK CHEVROLET
SOUTHERN STATES NISSAN, INC.
FINAST AUTO SALES
SUNCAOST EXPRESS INTL
NORTH STATE CHEVROLET CO. INC.
LUCKY MOTOR SALES
LES STANFORD CHEVROLET
DRAPER CHEVY
EXECUTIVE CARS, INC.
AUTOLAND
WAYNE THOMAS CHEVROLET, INC.
DELAND FORD
COURTESY KIA OF ALLIANCE
SULLIVAN PONTIAC CADILLAC GMC
QUALITY PONTIAC GMC TRUCKS,INC
FAIRFIELD FORD
HERITAGE FORD
GULFVIEW MOTORS, INC.
FOOTHILLS FORD OF CHESNEE
PALM BEACH LINCOLN MERCURY
CRANDALL FORD, INC.
AUTOVILLE
FERMAN OLDSMOBILE
GANLEY CHEVROLET, INC
J B M, INC
BIG COUNTRY CARS & TRUCKS, LLC
WEST HILLS AUTO & TRUCK
PERFECTION AUTO
JULIUS AUTOMOTIVE GROUP
SOUTHERN TRUST AUTO SALES
SATURN OF CLEARWATER
MULLINAX LINCOLN MERCURY
GANLEY CHRYSLER-JEEP, INC
LP SUPER CARS, INC
DOUGLAS MOTORS, INC.
INDIAN RIVER AUTO WHOLESALERS
MAGIC IMPORTS OF
FARRELL CHEVROLET KIA
McNAMARA PONTIAC, INC.
ERNEST BAKER SALES, INC
SUBURB AUTO SALES
ANGEL AUTOS, LLC
LAKELAND AUTO MALL
CAR CONNECTION
BOB KING'S MAZDA
FIRST CHOICE AUTOMOTIVE INC
A-1 MOTORS
TOM PRANGE AUTO VILLAGE, INC.
WHITTEN BROTHERS INC.
POMPANO HONDA
KELLY FORD
BILL HEARD CHEVROLET CO.
SUN HONDA
D & D MOTORS, INC.
MARVIN MOTORS
SATURN OF ST PETE
MINT CONDITION AUTO SALES, INC
TOP TEN AUTOS
C AND R AUTOS, INC.
HIGH POINT NISSAN
GULFVIEW
GREEN FORD, INC
JIMMIE VICKERS INC.
LEE'S SALES & SERVICE
PRECISION AUTO SALES
COLE VALLEY MOTOR COMPANY
METRO MOTOR SPORTS
FAMILY KIA
WILSON'S AUTO FINANCE & SALES
SPITZER CHEVROLET
HOMETOWN AUTO WHOLESALERS, INC
GANLEY AKRON,INC

<PAGE>

AVIS FORD
BRANDON CAR & TRUCK CENTER INC
WING AUTO SALES, INC
TOWNSEND MOTORS, INC
METRO CARS, INC
LAFONTAINE AUTO GROUP
GERMAIN NISSAN OF ALBANY, INC
VALITON MOTORS
JACK FROST AUTO SALES, INC.
GATOR CHRYSLER-PLYMOUTH, INC.
COGGIN NISSAN
AR MOTORSPORTS, INC
BUD LAWRENCE INC
ENVY MOTOR CARS
HENRY'S AUTO SALES
DISCOVERY MOTORS
FERMAN MOTOR CAR COMPANY
WALT MART AUTO WHOLESALE
MONTGOMERY FORD
CENTRAL AUTO SALES
STARBIRD AUTO WORLD, INC
OYSTER POINT DODGE/KIA
DUVAL HONDA
STONE MOUNTAIN TOYOTA
NORTHSTAR AUTOMOTIVE INC
MIKE ERDMAN TOYOTA
FERN PARK AUTO SALES, INC
GANLEY NISSAN
MT. CLEMONS DODGE, INC
DONNELL FORD
JD BYRIDER
AUTOMOTIVE WHOLESALE
MCGHEE AUTO SALES INC.
BAY CHEVROLET
LINDELL MOTORS
KERNERSVILLE DODGE
DAVID WESTCOTT BUICK ISUZU
DRIVER'S SEAT AUTOMOTIVE INC.
MARIETTA DODGE, INC
CHRIS LEITH CHEVROLET
BRADSHAW AUTOMOTIVE GROUP
PALM HARBOR HONDA
EATONS BEACH RENTALS, INC
MODERN CHEVROLET
XTREME AUTOMOTIVE
BILL BUCK CHEVROLET, INC
GOODWIN MOTOR CO, INC
BELOW BOOK MOTORCARS INC
DOLPHIN AUTOMOTIVE, INC
RONNIE DEANS AUTO SALES
VATLAND OLDS PONTIAC GMC
SMART CARS, INC
SPARKS CHRYSLER PLYMOUTH
PEARCE AUTO SALES, INC
JEFF WYLER CHEVROLET, INC
JACK WILSON PONTIAC, GMC
ORLANDO ACTION AUTO, INC
TONY'S AUTO SALES OF
CEDAR SHORES AUTO CENTER, INC
DAN THOMAS PONTIAC, INC
DOWN THE ROAD MOTORS
TOM JUMPER CHEVROLET INC
AUTONET USA
ALL STATE RENT A CAR SALES INC
KELLEY BUICK PONTIAC GMC
SPITZER LAKEWOOD, INC
ROUEN LINCOLN MERCURY
CARS ON 33
DISCOUNT AUTO SALES OF SOUTH
REGENCY DODGE
APL OF ORLANDO
HERITAGE VW, INC.
BILL BROWN FORD, INC
F & W AUTO SALES
SONNY HANCOCK
POTAMKIN MIAMI CHRYSLER JEEP
BOB BOAST DODGE
EDD LINDLEY AUTO SALES
GALEANA CHRYSLER PLYMOUTH
SATURN OF RALEIGH
GANLEY, INC
AUTO WORLD SUPER STORE, INC
TROPICAL AUTO SALES
ALAN VESTER AUTO SALES
VALUE AUTO STORE
J & P AUTOS, INC
THE AUTO PLACE
BEST DEAL AUTO SALES
CITY MOTORS, INC
1ST GEAR AUTO
JIM MACK AUTO SALES
MORANDE ENTERPRISES INC
BONIFACE HIERS MAZDA
BROWN MOTOR SALES
GUARANTEED AUTO SALES
VERO TRK & AUTO DBA 1ST CHOICE

<PAGE>

NORTH FLORIDA AUTOMALL
BROADWAY FORD, LLC
CAREY PAUL FORD
MACKENNEY AUTO SALES
RAIMERS MOTORS INC.
DWIGHT ADAMS AND SON, INC
SCHUMACHER AUTOMOBILE, INC
GREENWOOD'S HUBBARD CHEVY OLDS
AUTO PERFORMANCE CENTER
COUGHLIN CHEVROLET-TOYOTA
CAHILL-ELDOTREAD AUTO PARTS
SPITZER KIA
SPITZER AUTOWORLD
MICHAEL'S IMPORTS
MIKE PRUITT HONDA, INC
M D AUTO SALES, INC
LINDELL MAZDA
QUALITY CARS OF BAY COUNTY
MCKENNEY CHEVROLET
COMO AUTO SALES & SERVICE INC.
DENNIS AUTO POINT
ABBA AUTO SALES, INC
VANN YORK PONTIAC BUICK GMC
M & W AUTO SALES, INC
BILL BLACK CADILLAC, OLDS INC
CITY ISUZU
DELUCA TOYOTA INC
CHARLOTTE AUTO WHOLESALE INC
GOLDSTAR IMPORTS, INC
THE CAR COMPANY, INC
STADIUM LINCOLN MERCURY, INC
TEAM DODGE
STEVE WESTPHAL USED CAR FACTOR
DALGLEISH CADILLAC-OLDS
AUTO MAX, INC.
TALLAHASSEE LINCOLN MERCURY
NORTHPOINTE AUTO SALES
TOYOTA-LEXUS OF MELBOURNE
WAYNE AUTO WORLD, INC
CAROLINA MOTORCARS
WARE HOUSE OF CARS, INC
DIRECT AUTOMOTIVE
LOU BACHRODT CHEVEROLET
THE CAR STORE INC.
BOB BOYD LINCOLN MERCURY, INC
BURT GREENWALD CHEVROLET
AUTOWAY FORD LINCOLN MERCURY
MATIA MOTORS, INC
JOHN SERETTI CHRYSLER, DODGE,
SELECT AUTO SALES, INC
STEWART TOYOTA OF NORTH PALM
BILL HEARD CHEVROLET
JORGENSEN, INC
MT. CLEMENS DODGE
PAT WHITE AUTO SALES, INC
HEARTLAND FORD LINCOLN MERCURY
HOGSTEN AUTO WHOLESALE
FAIRBORN BUICK PONTIAC GMC
TRUCKS ETC, INC
ED SCHMIDT PONTIAC-GMC
ED MURDOCK SUPER STORES
WHEELS FOR SALE BY OWNER &
TOWNE EAST AUTO
JS IMPORTS, INC
STEARNS CHEVROLET
NEW WAY AUTO BROKERS, INC
PALM BEACH
TOYOTA AMERICAN WAY AUTO SALES
MONTROSE FORD LINCOLN/MERCURY
GRAFF AUTOMALL, INC
MILLENNIUM MOTORS, INC II
ASHEBORO NISSAN, INC
DAN'S AUTO SALES
DEVOE VOLVO & INFINITY
BRADLEY MOTORS
MILLER AUTO SALES, INC
A & B AUTO SALES
AUTO TRUCK WAREHOUSE USA INC.
DETROIT II AUTOMOBILES
GRACE AUTOMOTIVE
DAYTONA BEACH USED CARS, INC
IDEAL AUTOMOTIVE GROUP INC
FERMAN CHEVROLET
KERRY FORD
JEFF WYLER SPRINGFIELD, INC
M & M IMPORT AUTOS, INC
WINTER PARK AUTO MALL CORP
COASTAL AUTOMOTIVE, INC
NAPLES DODGE
PRESTIGE AUTO BROKERS
COURTESY CHRYSLER JEEP OF
J.O. STONE BUICK
BOB MCDORMAN CHEVROLET, INC
BOB TOWNSEND FORD INC.
FERMAN FORD OF WAUCHULA
GEORGIA ON WHEELS

<PAGE>

SUNBELT FORD
HEBRON AUTO SALES
DETROIT II AUTO FINANCE
MOTORCARS AUTO IMPORTS, INC
CITY CAR CO.
DICK SMITH MUTSUBISHI
JOYCE BUICK PONTIAC
TALLAHASSEE AUTO WORLD
LOU SOBH PONTIAC/BUICK/GMC
INTERSTATE AUTOS INC
COURTESY CHRYSLER JEEP OF
ABUNDANT LIFE AUTO, INC
DIAMOND MOTORS OF DAYTONA
DELRAY ACURA-HYUNDAI
ROGER DEAN CHEVROLET
SWEENEY CHRYSLER DODGE JEEP
INTEGRITY MOTORS, INC
THE CAR LOT
BROWN'S QUALITY CARS INC.
BIACAR
SPARTAN CHEVROLET
BOB SAKS TOYOTA
CHOICE RENTAL CAR SALES, INC
ATLANTIC AUTO REMARKETING, INC
GWINNETT PLACE NISSAN
CREDEX AUTO LEASING &
HUNTER MOTORS INC
BENSON FORD MERCURY
STIVER'S CHRYSLER JEEP INC
REMARKETING SERVICES OF FL
MARTIN CHEVROLET INC
COURTESY HYUNDAI, INC
GETTEL MITSUBISHI
COLUMBIA AUTO MALL
CAROLINA AUTOMOTIVE
DURHAM AUTOMOTIVE CO
HILL OLDSMOBILE
JOHNSON AUTO SALES
GIBSON TRUCK WORLD
GEORGE BALLAS BUICK GMC
ALEX'S AUTO SALES
SPECIALTY BANK LIQUIDATORS DBA
LEGACY LINCOLN MERCURY
LEASE ATLANTA INC
FAIRWAY FORD
A & B AUTO SALES OF
TOYOTA OF ROSWELL
BEST AUTO SALES, INC
BELLAIRE AUTO EXPORT & SALES
SATURN OF VERO BEACH
HERITAGE MOTORS
JEFF WYLER FAIRFIELD, INC
GCI
STAR CARS
COOPERATIVE AUTOMOTIVE, INC
CANNON BUICK-MITSUBISHI
T SULLIVAN MOTORS
RALLYE MOTORS, INC
BEST BUY
AUTO MAX AUTOS, INC
STEVE LUCAS HONDA
BARANCO PONTIAC GMC INC
PALM AUTOMOTIVE GROUP
DAVID LEE AUTOMOTIVE
MCDONALD PONTIAC
YOUNG FORD, INC
JOHN MILES CHEVROLET, INC
GANLEY HONDA/PONTIAC
R & M MOTORS
FT. MYERS TRUCK AND
MODERN NISSAN
AREVALO'S AUTO SALES
CENTRAL PONTIAC INC.
PREMIER AUTO,INC
MRS. MOBILITY MEDICAL, INC
PINES PONTIAC GMC BUICK
MALL OF GEORGIA FORD
HARRELSON MAZDA, INC
HERNDON CHEVROLET, INC
AUTO KING, INC
JOHN'S USED CARS
COGGIN CHEVROLET AT
A1A AUTO SALES
MEL FARR MOTORS
FIRST AMERICA CORP
GARY YEOMANS FORD
MARLOZ OF STATESVILLE
INDEPENDENCE NISSAN
MARIETTA AUTO MART
INTERSTATE FORD, INC
SECOND CHANCE MOTORS
HONDA CARS OF MONROE
DISCOUNT AUTOMART
SHAMBURG AUTO SALES
M AND L OF JAX INC.
B & C CAR SALES, INC

<PAGE>

JEFF WYLER TROTWOOD
FLORIDA CHRYSLER PLYM, INC
5 STAR AUTO MALL
ATLANTIC AUTO SALES
WALTERS NEW CAR ALTERNATIVE
DELRAY IMPORTS, INC
MANATEE WORLD, INC
SUPERMAX AUTO STORE, INC
AUTO 1 OF FLORENCE
MERCEDES BENZ OF CARY
DALLAS AUTO MART, INC
DICK DYER TOYOTA
FERMAN NISSAN
SPACE COAST HONDA
AUTO BUY, INC
EAUTOS FLORIDA,LLC
JAKE SUTHERLIN OLDS-CADILLAC
JIM TIDWELL'S WORLD FORD
BUCHANAN JENKINS HONDA,
A.R.J.'S AUTO SALES, INC
LEXUS OF JACKSONVILLE
CANNON USED CARS, INC
KRAFT MOTORCARS/NISSAN
NORTH POINT CHRYSLER JEEP
C & J AUTO SALES INC.
HALPERT CHRYSLER JEEP, INC
WILSON AUTO SALES, INC
DON MAYS PONTIAC BUICK GMC
LEGACY TOYOTA
FRIENDLY AUTO SALES OF EUSTIS
AUTO AMERICA
ORLANDO USED CAR
WALSH AUTO BODY, INC
PIPPIN AUTO SALES
DICK SCOTT KIA
WALLIS MOTORS
ART'S TRUCKIN AUTO SALES INC
DETROIT II AUTOMOBILES, INC
CITY-SIDE WHOLESALE CORP
CITY LIMITS AUTO SALES
PALM BEACH ACURA
MAZ AUTO SALES
ADRIAN DODGE CHRYSLER JEEP
INTEGRITY MOTORS OF DAYTON
TOYOTA MALL EAST
SATURN OF ORANGE PARK
MEYERS AUTO WHOLESALE, INC
CAROLINA AUTO & TIRE
THRIFTY CAR SALES
ALLANS SHOWCASE
NATIONWIDE AUTO EXCHANGE
BORCHERDING ENTERPRISE, INC
GRIFFIN FORD
FACTORY AUTO OUTLET
SPRINGFIELD FORD
GREENWAY FORD, INC
NISSAN OF LAKELAND
LEE'S AUTO SALES, INC
BUFORD AUTO PLAZA, INC
MATOS AUTO BROKERS
BRUMOS MOTOR CARS, INC
GRAHAM AUTOMOTIVE, INC
HYATT USED CARS #2
CENTURY DODGE, INC
PALM CITY CORP INC
FARM & RANCH AUTO SALES INC.
AL PACKER FORD
KEN CHANCEY SUZUKI, INC
BRIARWOOD FORD
GREENWOOD CHEVROLET, INC
LOVE NISSAN
BRANDON CAR & TRUCK
BRAVO MOTORS
MASSEY CADILLAC
PAYLESS CAR SALES
STARFLEET ENTERPRISING
YARK MITSUBISHI, INC
CSA IMPORTS LLC DBA COGGIN
QUALITY AUTO & TRUCK SALES INC
CAPITAL LINCOLN MERCURY MAZDA
AUTO BROOKER USA
EASTGATE MOTORCARS, INC
ATLANTA CAR EXCHANGE
LEXUS OF FT. MYERS
THE CAR BAR
POWER MOTORS
BLUE RIDGE MOTORS, INC
39TH AVE IMPORTS, INC
TAYLOR TOYOTA OF BOARDMAN
PRESTIGE MOTORS, LTD
TRYON ST AUTO MART, INC
UPSTATE CARS OF EASLEY INC
BRANDON CAR STORE, INC
SOUTHEAST AUTOMOTIVE
HOLLY'S AUTO OUTLET INC
AUTO WORLD, INC

<PAGE>

WEINLE AUTO SALES
FORD OF OCALA
HENRY SEIVE MOTOR CO/SEIVE
TOYOTA AT THE AVENUES INC
QUALITY CARS OF KISSIMMEE INC.
PREMIER CARS OF MARTIN COUNTY
GLOBAL CARS SALES, INS
ALPHARETTA AUTO BROKERS
TWILLIE AUTOMOTIVE GROUP, INC
KIRK FRANCIS AUTO SALES
ROADHOUSE CUSTOMS, INC
MASTERS AUTO SALES
GENE GORMAN & ASSOC. INC. DBA
KERRY CHRYSLER JEEP
THOMASVILLE HONDA
ERNIE HAIRE AUTOMALL
STIVER'S LINCOLN MERCURY, INC
STONE MOUNTAIN MOTORS
HARDY CHEVROLET
CAPITAL EUROCARS, INC
KIA AUTOSPORT OF ALBANY, INC
QUEEN CITY LINCOLN
WORLD FINANCIAL
LOU SOBH FORD INC
MONTROSE FORD
ROBERSON CHRYSLER DODGE JEEP
ALLIANCE AIR
BEASLEY CROSS CHEVY CO
SUV DEPOT
SPECIALTY VEHICLES OF ORLANDO,
LEE PONTIAC-OLDSMOBILE-GMC-
NALLEY HONDA
GANLEY FORD, INC
FORT WALTON BEACH
BARBER CHEVROLET
PALM BEACH TRUCK INC
SARASOTA CHRYSLER PLYMOUTH
MATTHEWS-CURRIE FORD CO
CENTRAL RALEIGH AUTO SALES
EXOTIC MOTORCARS
REPO DIRECT AUTO SALES, INC
LEITH DODGE
NORWALK CHRYSLER PLYMOUTH
MARKET MOTOR COMPANY
MAROONE FORD OF DELRAY
BRANDON MITSUBISHI
WORLEY AUTO SALES
PULLIAM WRAY, INC
KING KONG MOTORS
NICK'S AUTO SALES
B & C AUTOMOTIVE, LLC
EVERETT CHEVROLET, INC
BLOUNT CHEVROLET GEO INC.
CORNERSTONE MOTORS, INC
KARS FOR KASH, INC
MARCH AUTO, INC
DAYTONA MITSUBISHI
METROLINA DODGE, INC
J & R MOTOR CO, INC
ATCHINSON FORD SALES
THE AUTO EXCHANGE INC.
PRO CAR AUTO GROUP, INC
INTERNATIONAL TRADE COMPANY OF
LORAMON AUTO SALES &
STERLING MOTORS
MAYPOLE CHEVROLET
TIPPETT AUTO SALES
BOB KING MITSUBISHI
LOUDON MOTORS, INC
AUTO OUTLET OF MANASOTA, INC
COMBEE AUTO WORLD
CAROLINA AUTO SALES
GAINESVILLE FORD
VAN DEVERE, INC
ACTION AUTO & CYCLE SALES
ORANGE AUTO SALES
TOYOTA OF ORLANDO
STEVE BARNETT INC
SUN MOTORS OF PALM BEACH
AA VICTORY AUTO SALES, INC
UNITED CAR SALES
CAROLINA AUTO CENTER, INC
WORLD CLASS CARS, LLC
AL SMITH COMPANY
SPITZER DODGE
BILL BRYAN JEEP/EAGLE
BILLY HOWELL F-L-M INC
JAMES ERVIN TOYOTA
SATURN OF ORLANDO SOUTH
LIBERTY FORD SOUTHWEST, INC
TJL INTERNATIONAL INC
ON-TIME AUTO SALES
AUTO VERA,INC
PREMIER AUTO MART, INC
D & M AUTO SALES
FIVE STAR FORD

<PAGE>

LIVONIA CHRYSLER JEEP, INC
BLUE ROCK MOTORS, INC
ALLSTATE AUTO SALES LLC
DEVOE PONTIAC BUICK GMC
JIM RATHMANN CHEVROLET
JACKIE & CAROL ENTERPRISES INC
KIA MALL OF GEORGIA
HOT WHEELS MOTOR CARS INC
PARK AVENUE MOTORS
ACTION AUTOMOTIVE GROUP, INC.
MAINELINE AUTO SALES
RON ANDERSON GMC PONTIAC BUICK
NEWBERRY AUTO MART
COLLEGE PARK AUTO SALES, INC
INTEGRITY AUTOMOTIVE GROUP
WESTGATE MOBILE HOME PARK
RAINBOW MOTOR SALES
ADVANTAGE AUTO RENTAL, INC
J BROTHERS AUTO SALES, INC
SUTHERLIN NISSAN OF FT. MYERS
BUYERS CHOICE AUTO SALES
FOOTHILL FORD
CENTURY BUICK
BENSON NISSAN
PAYLESS CAR SALES
IMPERIAL SALES AND LEASING INC
UPTOWN IMPORTS, INC
JOE GIBSON'S AUTO WORLD
MARLOWE-WERNER PONTIAC
TOYOTA MALL OF GEORGIA
GULF COAST AUTOS INC
RODRIGUEZ AUTO WHOLESALE, INC
SOUTHSIDE AUTO MART, INC
ATLAS IMPORTS ENTERPRISE INC
SZOTT FORD
SOUTHERN STATES NISSAN OF APEX
AA BETTER USED CARS
BRANDON FORD
AUTOWAY PONTIAC
A & J MOTORS INC.
SANTA FE FORD INC.
MARIETTA MITSUBISHI
PAR AUTO SALES, INC
TOWN & COUNTRY MOTORS INC.
NORSIDE IMPORTS
HENDRICK HONDA
NORTH BORTHERS FORD, INC
AUTOMOTION SALES & SERVICE INC
INTEGRITY AUTO SALES OF SW FL
PEACHTREE NISSAN
BC MOTORS COMPANY
EVAN QUEEN AUTO SALES, INC
FRED MARTIN CHEVROLET, INC
LINCOLN MERCURY DAYTON
GATEWAY HONDA
UNIVERSITY CHEVROLET, INC
WALT SWEENEY PONTIAC
TLC MOTORS
HAPPY TIMES AUTO SALES, INC
HUGHES AUTO SALES
COGGIN KIA
FIELDS CADILLAC-OLDSMOBILE-
SCOTT CLARKS TOYOTA CITY
AUTO WORLD OF PERRYSBURG
TRUCK & JEEP OUTLET, INC
PAYLESS AUTO SALES
USED CARS INC
REIDSVILLE NISSAN
JOSEPH TOYOTA INC.
TROPIC DRIVERS, INC
MANNIX MOTORS
SUMTER CHRYSLER PLYMOUTH DODGE
LOU SOBH AUTOMOTIVE INC
BG QUALITY MOTOR SALES INC
HEART OF DIXIE AUTO EXCHANGE
CRANE CHEVROLET, OLDSMOBILE,
CROWN MOTORS INC
CAR CONNECTION
CAR SHOPPE OF ARLINGTON, INC
DAVE STEWART AUTO SALES, LTD
FIVE FORKS AUTO SALES
SPALDING FORD, INC
DEECO AUTO SALES

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00061-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00061-of-00352.parquet"}]]