TRUTH IN LEASING DISCLOSURES

Amount Due at
Lease Signing or
Delivery

                      (Itemized Below)*

$ ______________________

Monthly Payments

A. Your first Monthly Payment of $ _________

is  due _______________, followed by _____

payments of $ ________________, due on the

________________ of each month,  beginning

on ___________________________________

B. The Total of your Monthly Payments is

$ ______________________________

Other Charges

                                             (Not Part of Your

Monthly Payment)

A. Turn-in Fee

(If you do not

purchase the Vehicle)   $ ______________

B. _________________ $ ______________

C.                           Total $ ______________

Total of Payments

(The amount you will have
paid by the end of the Lease)

$ ______________________

(Section 1 plus Section 2(B) plus Section 3(C) minus Section 5(A)(3) minus Section 5(A)(4)

*Itemization of Amount Due of Lease Signing or Delivery

A. Amount Due at Lease Signing or Delivery:

      1. Capitalized Cost Reduction . . . . . . . . . . . . . . . . . . . . $ _____________

      2. Taxes on Capitalized Cost Reduction . . . . . . . . . . . . .$ _____________

      3. First Monthly Payment . . . . . . . . . . . . . . . . . . . . . . . . $ _____________

      4. Refundable Security Deposit . . . . . . . . . . . . . . . . . . . $ _____________

      5. Title Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ _____________

      6. Registration Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ _____________

      7. License Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ _____________

      8. Sales Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ _____________

      9. Documentary Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ _____________

    10. California Tire Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . $ _____________

    11. ________________________ . . . . . . . . . . . . . . . . . . $ _____________

    12. Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ _____________

B. How the Amount Due at Lease Signing or
     Delivery will be Paid:

      1. Net Trade-in Allowance . . . . . . . . . . . . . . . . . . . . . . . $ _____________

      2. Rebates and Non-Cash Credits . . . . . . . . . . . . . . . . . $ _____________

      3. Amount to be Paid in Cash . . . . . . . . . . . . . . . . . . . . .$ _____________

      4. Amount to be Paid in Credit Card . . . . . . . . . . . . . . . .$ _____________

      5. Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ _____________

Your Monthly Payment is Determined as Shown Below:

A. Gross Capitalized Cost.

The agreed upon value of the vehicle ($_________________ ) and any items you pay over

the lease term (such as service contracts, insurance, and any outstanding prior credit or lease balance) .................................. $ __________________

B. Capitalized Cost Reduction.

The amount of any net trade-in allowance, rebate, noncash credit, or cash you pay that

reduces the gross capitalized cost .................................................................................................. ................................................. - __________________

C. Adjusted Capitalized Cost.

The amount used in calculating your base monthly payment ........................................................... = __________________

D. Residual Value.

The value of the vehicle at the end of the lease used in calculating your base monthly payment ........................ - __________________

E. Depreciation and any Amortized Amounts.

The amount charged for the vehicle's decline in value through

normal use and for other items paid over the lease term ................................................................................................................. = __________________

F. Rent Charge.

The amount charged in addition to the depreciation and any amortized amounts ...................................................... + __________________

G. Total of Base Monthly Payments.

The depreciation and any amortized amounts plus the rent charge ..................................... = __________________

H. Lease Payments.

The number of payments in your lease (The number of months in your Lease ("Lease Term") .......................... ÷ __________________

I. Base Monthly Payment

...................................................................................................................................................................... = __________________

J. Monthly Sales Use tax

...................................................................................................................................................................... + __________________

K. _______________________

........................................................................................................................................................... + __________________

L. Total Monthly Payment ("Monthly Payment")

.......................................................................................................................... = $ __________________

Early Termination. You may have to pay a substantial charge if you end this lease early. The charge may be up to several thousand dollars. The actual charge will depend on when the lease is terminated. The earlier you end the lease, the greater this charge is likely to be.

Excessive Wear and Use:

You may be charged for excessive wear based on our standards for normal use. The following standards are applicable

for for determining unreasonable or excess wear and use of leased vehicle: You will be charged an additional _________ per mile for each mile above         ____________ miles.

Purchase Option at end of Lease Term:

You have an option to purchase the vehicle at the end of the Lease Term for a Purchase Option Amount of

$ ____________ plus a purchase option fee of $ ____________ plus all amounts you owe under the Lease plus any Official Fees and Taxes imposed in         connection with the purchase of the vehicle.

Other Important Terms:

Refer to the lease documents for additional information on early termination, purchase options and maintenance

responsibilities, warranties, late and default charges, insurance, and any security interests.