Guarantee

1. Complete Refund of Origination Fees if Unsatisfied for any Reason. At any time during the first seven months, you are entitled to a complete refund of the origination points if you decide that you no longer want a BrokerLine™ provided by First National Acceptance Company of North America (FNAC-NA). If you choose to terminate your BrokerLine™ and receive a refund of the origination points, simply pay off your BrokerLine™ (including all principal and accrued interest, together with any other fees and expenses then owing to FNAC-NA) within seven months of its execution. FNAC-NA will refund the entirety of the principle portion of your origination fees and cancel your BrokerLine™.

2. Same-Day Funding. At any time that you request same day funding, FNAC-NA will fund by wire or check on the day of the request up to five (5) funding requests received by 11:00 a.m., Eastern Standard Time, provided that: (1) the necessary documents have been received by FNAC-NA for adding the additional collateral for which the funds are requested, and (2) there are funds available on your line.