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Certain statements and information included in these presentations
constitute "forward-looking statements" under the Federal Private
Securities Litigation Reform Act of 1995. Accordingly, we advise that
these forward-looking statements be evaluated with consideration given
to the many uncertainties inherent in our business that could cause
actual results and events to differ materially from those in the
forward-looking statements. Important factors that could cause such
differences include, among others, the competitive pricing environment
applicable to the Company's businesses, customer retention levels,
changes in customers' business environments, changes in market
conditions affecting the sale of used vehicles, adverse changes in
debt ratings, changes in accounting assumptions, greater than expected
expenses associated with the Company's activities and changes in
general economic conditions.