$                   TOTAL PURCHASE PRICE OF VEHICLE (Including: Tax, Title, License & Document Fees)

LESS THAN OR EQUAL TO

$                   MAXIMUM LOAN-TO-VALUE (LTV) AMOUNT


                  YOUR TOTAL PURCHASE PRICE IS ACCEPTABLE.
        (APPLY FOR THIS AMOUNT ON YOUR LOAN APPLICATION.)


CONTINUE TO: ELEMENT #4. PAYMNET-TO-INCOME (PTI)



If the TOTAL PURCHASE PRICE of the Vehicle is MORE THAN the MAXIMUN LOAN-TO-VALUE (LTV) AMOUNT:

THREE OPTIONS

a) Offer the Seller of the Vehicle $                   MAXIMUM LOAN-TO-VALUE (LTV) AMOUNT for the
    Purchase of the Vehicle (Including: Tax, Title, License & Documentation Fees).

                                (NOTE: Disregard ALL Previous Offer/Purchase Price Amounts.)

b) Make a Cash or Trade-In Down Payment that will REDUCE the Total Purchase Price (Including: Tax,
    Title, License & Documentation Fees) of the Vehicle to the Maximum Loan-To-Value (LTV) Amount.

c) Choose a Similar &/or Different Vehicle with a Total Purchase Price (Including: Tax, Title, License &
    Documentation Fees) that is LESS THAN OR EQUAL TO the Maximum Loan-To-Value (LTV)
    Amount.

        (Note: If this Option is Chosen, you must obtain a new NADA/KBB Value to calculate
         the Maximum Loan-To-Value (LTV) Amount for the Similar &/or Different Vehicle.)

(NOTE: If you Choose One of the Above Options, you will Apply For the MAXIMUM LOAN-TO-VALUE (LTV) AMOUNT.)

    NOW CONTINUE TO: ELEMENT #4. PAYMENT-TO-INCOME (PTI)


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