1. Loan Partnership Automobiles, Motorcycles, RV’s, Boats & Yachts Updated: 01/19/2000

2. First Union Required to Compete for Texas! Provides Great Customer Service Competitive Interest Rates Ease of Use

3. What Texas Agents Are Saying...

4. “First Union has made the process very easy and convenient for both the agent and the customer. Everyone at First Union is wonderful to work with! It is a great program!” Barbara Manley

5. “The pricing is excellent. I am a 22 year veteran banker, and I know what car loans are going for. These rates are great! Additionally, the simplicity of the program is a great help - and the turnaround time is excellent!” Terrie McCall

6. “Everything with this program is good. I personally applied and I really like it. The process is very efficient, and real quick - you get a response right away!” Marla Magana, CSR

7. First Union Call Center Capacity 800+ Full-Time Commissioned Sales Representatives 1.5 Million Calls in 1998 2 Million Calls in 1999

8. Auto Loan Process Flow Can Apply by Phone or Fax Agent, Customer, or CSR Can Apply Closings at Agent’s Office or Customer’s Home

9. Documentation Checklist Standard Purchase, Vehicle, & Insurance Information Income Verification –only for loans $25K or greater –self-employed less than 3 years

10. Products and Features New or Used Vehicles Dealer Purchase or Refinance (No Third Party Transactions) Up to 100% Financing on Most Loans

11. Products and Features “ New” Vehicles Include: –Untitled Vehicle –Recently Purchased Vehicle < 5,000 Miles “Used” Vehicle Include: –Title Vehicle > 5,000 Miles

12. Products and Interest Rates PRODUCTVARIABLEFIXED New Vehicle 8.49%9.49% Used Vehicle 9.49% 10.49% Marine/Boat 9.49% 10.49% RV 9.49% 10.49% Motorcycle 9.49% 10.49% *Rates subject to change & may vary based on applicant credit history! Rates as of: 03/20/00

13. Important Information Phone Numbers, Fax Numbers Hours of Operation Turn Around Time Fair Lending Policy

14. Important Information $50 Processing Fee included in loan amount Farmers Mechanical Breakdown Insurance can be financed subject to loan-to-value limitations.

15. Agent Commission 70 Basis Points or.7% of The Auto Loan Amount (i.e. $140 for a $20,000 loan)!

16. Marketing Ideas Ask for % Rate on Every Car Change Offer Financing for Existing Policy Holders Fame & Client Vision Central Marketing Provide Financing for Customers Calling for Insurance Quotes Credit Scored Auto Leads

17. Marketing Ideas Dept. of Motor Vehicle & Tax Records lists. Child ID Kits/Poster at booths Posters QUALITY Independent Used Car Dealers Stuffers Value Added Desktop Laminate - JUST ASK!

18. Questions / Comments