Common use of Certain Characteristics of Initial Receivables Clause in Contracts

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,000; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.00% and not more than 32%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- Note: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection Personnel. Additionally, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act (FDCPA). The Collection Process ---------------------- Customer is issued a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated into two groups, those less than 30 days delinquent and those over 30 days delinquent. C. Accounts less than 30 days delinquent are further segregated into accounts that have good residential and business phone numbers and those that do not. D. For those that have good phone numbers, they are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collector. F. In both groups, all reasonable collection efforts are made to avoid the account rolling over 30 days delinquent, including the use of collection letters. Collection letters may be utilized between 15 and 25 days delinquent. G. At the time the account reaches 31 days delinquent, it is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues the collection effort. If the account cannot be resolved through normal collection efforts, i.e., satisfactory payment arrangements, then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations must be approved by an Officer. I. CACS allows the individual collector to accurately document and update each account pertaining to telephone calls and correspondence created as a result of contact with the customer.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,000; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.0010% and not more than 3230%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, any Third-Party Lender, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCH-B-5 SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- NoteNOTE: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection PersonnelAPPLICABLE TIME PERIODS WILL VARY BY STATE COMPLIANCE WITH STATE COLLECTION LAWS IS REQUIRED OF ALL AMERICREDIT COLLECTION PERSONNEL. AdditionallyADDITIONALLY, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act AMERICREDIT HAS CHOSEN TO FOLLOW THE GUIDELINES OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA). The Collection Process ---------------------- Customer is issued THE COLLECTION PROCESS AmeriCredit mails each customer a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated The CACS segregates accounts into two groups, those : loans less than 30 days delinquent and those over 30 days delinquent. C. Accounts Loans delinquent for less than 30 days delinquent are then further segregated into two groups: accounts that have good residential and business phone numbers and those that do not. D. For those that have Loans with good phone numbersnumbers are transferred to the Davox system (AmeriCredit's predictive dialing system). The system automatically dials the phone number related to a delinquent account. When a connection is made, they the account is then routed to the next available account representative. E. Loans without good phone numbers are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collectorcollectors. F. In both groups, all All reasonable collection efforts are made in an attempt to avoid the account rolling over 30 prevent these accounts from becoming 30+ days delinquent, including delinquent - this includes the use of collection letters. Collection letters may be utilized between 15 15th and 25 25th days delinquentof delinquency. G. At the time the When an account reaches 31 days delinquent, it a collector determines if any default notification is required in the state where the debtor lives. H. When an account exceeds 61 days delinquent, the loan is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues who will continue the collection effort. If the account cannot be resolved through normal collection efforts, i.e.efforts (I.E., satisfactory payment arrangements, ) then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations An officer must be approved by an Officerapprove all repossession requests. I. CACS allows the individual each collector to accurately document and update each customer file when contact (verbal or written) is made. REPOSSESSIONS If repossession of the collateral occurs, the following steps are taken: A. Proper authorities are notified (if applicable). B. An inventory of all personal property is taken and a condition report is prepared on the vehicle. C. Written notification, as required by state law, is sent to the customer(s) stating their rights of redemption or reinstatement along with information on how to obtain any personal property that was in the vehicle at the time of repossession. D. Written request to the originating dealer for all refunds due for dealer adds is made. E. Collateral disposition through public or private sale, (dictated by state law), in a commercially reasonable manner, through a third-party auto auction. F. After the collateral is liquidated, the debtor(s) is notified in writing of the deficiency balance owed, if any. USE OF DUE DATE CHANGES Due dates may be changed subject to the following conditions: A. The account pertaining to telephone calls and correspondence created as a result of contact is contractually current or will be brought current with the customerdue date change. B. Due date changes cannot exceed the total of 15 days over the life of the contract. C. The first installment payment has been paid in full. D. Only one due date change in a twelve month period. An Officer must approve any exceptions to the above stated policy. USE OF PAYMENT DEFERMENTS A payment deferral is offered to customers who have the desire and capacity to make future payments but who have encountered temporary financial difficulties, with management approval. A. Minimum of six payments have been made on the account and a minimum of nine payments have been made since the most recent deferment (if any). B. The account will be brought current with the deferment, but not paid ahead, without management approval. C. A deferment fee is collected on all transactions. D. No more than eight total payments may be deferred over the life of the loan, without management approval. An Officer must approve any exceptions to the above stated policy. CHARGE-OFFS It is AmeriCredit's policy that any account that is not successfully recovered by 120 days delinquent is submitted to an Officer for approval and charge-off. It is AmeriCredit's policy to carry all Chapter 13 bankruptcy accounts until 120 days delinquent. A partial charge-off is taken for the unsecured portion of the account. On fully reaffirmed Chapter 7 bankruptcy accounts, the accounts can be deferred current at the time of discharge. DEFICIENCY COLLECTIONS Accounts are assigned to third party collection agencies for deficiency collections. SCH-C-3 EXHIBIT A SUBSEQUENT TRANSFER AGREEMENT Transfer No. ______________ of Subsequent Receivables pursuant to a Sale and Servicing Agreement dated as of November 20, 2000, among THE AMERICREDIT AUTOMOBILE RECEIVABLES TRUST 2000-D, a Delaware business trust (the "ISSUER"), AFS FUNDING CORP., a Nevada corporation (the "SELLER"), AMERICREDIT FINANCIAL SERVICES, INC. a Delaware corporation (the "SERVICER"), and THE CHASE MANHATTAN BANK, a New York banking corporation (the "TRUST COLLATERAL AGENT").

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,00030,000; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.0012.50% and not more than 3233.00%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- Note: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection PersonnelCOMPLIANCE WITH STATE COLLECTION LAWS IS REQUIRED OF ALL AMERICREDIT COLLECTION PERSONNEL. AdditionallyADDITIONALLY, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act AMERICREDIT HAS CHOSEN TO FOLLOW THE GUIDELINES OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA). The Collection Process ---------------------- Customer is issued a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated into two groups, those less than 30 days delinquent and those over 30 days delinquent. C. Accounts less than 30 days delinquent are further segregated into accounts that have good residential and business phone numbers and those that do not. D. For those that have good phone numbers, they are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collector. F. In both groups, all reasonable collection efforts are made to avoid the account rolling over 30 days delinquent, including the use of collection letters. Collection letters may be utilized between 15 and 25 days delinquent. G. At the time the account reaches 31 days delinquent, it is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- hard-core collector. The hard-core collector then continues the collection effort. If the account cannot be resolved through normal collection efforts, i.e., satisfactory payment arrangements, then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations must be approved by an Officer. I. CACS allows the individual collector to accurately document and update each account pertaining to telephone calls and correspondence created as a result of contact with the customer.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,00030,000; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.009.00% and not more than 3233.00%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- Note: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection PersonnelCOMPLIANCE WITH STATE COLLECTION LAWS IS REQUIRED OF ALL AMERICREDIT COLLECTION PERSONNEL. AdditionallyADDITIONALLY, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act AMERICREDIT HAS CHOSEN TO FOLLOW THE GUIDELINES OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA). The Collection Process ---------------------- Customer is issued a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated into two groups, those less than 30 days delinquent and those over 30 days delinquent. C. Accounts less than 30 days delinquent are further segregated into accounts that have good residential and business phone numbers and those that do not. D. For those that have good phone numbers, they are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collector. F. In both groups, all reasonable collection efforts are made to avoid the account rolling over 30 days delinquent, including the use of collection letters. Collection letters may be utilized between 15 and 25 days delinquent. G. At the time the account reaches 31 days delinquent, it is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues the collection effort. If the account cannot be resolved through normal collection efforts, i.e., satisfactory payment arrangements, then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations must be approved by an Officer. I. CACS allows the individual collector to accurately document and update each account pertaining to telephone calls and correspondence created as a result of contact with the customer.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) not more than 40% of Receivables (calculated by Aggregate Principal Balance) shall have an original term to maturity of 72 months; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,000; (DE) each Initial Receivable has an Annual Percentage Rate of at least 8.008% and not more than 3230%; (EF) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (FG) no funds have been advanced by AmeriCredit, any Dealer, any Third-Party Lender, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (EF) above. SCH-B-5 SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- NoteNOTE: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection PersonnelAPPLICABLE TIME PERIODS WILL VARY BY STATE COMPLIANCE WITH STATE COLLECTION LAWS IS REQUIRED OF ALL AMERICREDIT COLLECTION PERSONNEL. AdditionallyADDITIONALLY, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act AMERICREDIT HAS CHOSEN TO FOLLOW THE GUIDELINES OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA). The Collection Process ---------------------- Customer is issued THE COLLECTION PROCESS AmeriCredit mails each customer a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated The CACS segregates accounts into two groups, those : loans less than 30 days delinquent and those over 30 days delinquent. C. Accounts Loans delinquent for less than 30 days delinquent are then further segregated into two groups: accounts that have good residential and business phone numbers and those that do not. D. For those that have Loans with good phone numbersnumbers are transferred to the Davox system (AmeriCredit's predictive dialing system). The system automatically dials the phone number related to a delinquent account. When a connection is made, they the account is then routed to the next available account representative. E. Loans without good phone numbers are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collectorcollectors. F. In both groups, all All reasonable collection efforts are made in an attempt to avoid the account rolling over 30 prevent these accounts from becoming 30+ days delinquent, including delinquent - this includes the use of collection letters. Collection letters may be utilized between 15 15th and 25 25th days delinquentof delinquency. G. At the time the When an account reaches 31 days delinquent, it a collector determines if any default notification is required in the state where the debtor lives. H. When an account exceeds 61 days delinquent, the loan is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues who will continue the collection effort. If the account cannot be resolved through normal collection efforts, i.e.efforts (I.E., satisfactory payment arrangements, ) then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations An officer must be approved by an Officerapprove all repossession requests. I. CACS allows the individual each collector to accurately document and update each customer file when contact (verbal or written) is made. SCH-C-1 REPOSSESSIONS If repossession of the collateral occurs, the following steps are taken: A. Proper authorities are notified (if applicable). B. An inventory of all personal property is taken and a condition report is prepared on the vehicle. C. Written notification, as required by state law, is sent to the customer(s) stating their rights of redemption or reinstatement along with information on how to obtain any personal property that was in the vehicle at the time of repossession. D. Written request to the originating dealer for all refunds due for dealer adds is made. E. Collateral disposition through public or private sale, (dictated by state law), in a commercially reasonable manner, through a third-party auto auction. F. After the collateral is liquidated, the debtor(s) is notified in writing of the deficiency balance owed, if any. USE OF DUE DATE CHANGES Due dates may be changed subject to the following conditions: A. The account pertaining to telephone calls and correspondence created as a result of contact is contractually current or will be brought current with the customerdue date change. B. Due date changes cannot exceed the total of 15 days over the life of the contract. C. The first installment payment has been paid in full. D. Only one due date change in a twelve month period. An Officer must approve any exceptions to the above stated policy. USE OF PAYMENT DEFERMENTS A payment deferral is offered to customers who have the desire and capacity to make future payments but who have encountered temporary financial difficulties, with management approval.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 60 months; (B) each Receivable had an original maturity of not more than 72 60 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,00030,000; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.0014.25% and not more than 3233.00%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- Note: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection Personnel. Additionally, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act (FDCPA). The Collection Process ---------------------- Customer is issued a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated into two groups, those less than 30 days delinquent and those over 30 days delinquent. C. Accounts less than 30 days delinquent are further segregated into accounts that have good residential and business phone numbers and those that do not. D. For those that have good phone numbers, they are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collector. F. In both groups, all reasonable collection efforts are made to avoid the account rolling over 30 days delinquent, including the use of collection letters. Collection letters may be utilized between 15 and 25 days delinquent. G. At the time the account reaches 31 days delinquent, it is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- hard-core collector. The hard-core collector then continues the collection effort. If the account cannot be resolved through normal collection efforts, i.e., satisfactory payment arrangements, then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations must be approved by an Officer. I. CACS allows the individual collector to accurately document and update each account pertaining to telephone calls and correspondence created as a result of contact with the customer.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,00030,000; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.009.00% and not more than 3233.00%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- Note: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection PersonnelCOMPLIANCE WITH STATE COLLECTION LAWS IS REQUIRED OF ALL AMERICREDIT COLLECTION PERSONNEL. AdditionallyADDITIONALLY, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act AMERICREDIT HAS CHOSEN TO FOLLOW THE GUIDELINES OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA). The Collection Process ---------------------- Customer is issued a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated into two groups, those less than 30 days delinquent and those over 30 days delinquent. C. Accounts less than 30 days delinquent are further segregated into accounts that have good residential and business phone numbers and those that do not. D. For those that have good phone numbers, they are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collector. F. In both groups, all reasonable collection efforts are made to avoid the account rolling over 30 days delinquent, including the use of collection letters. Collection letters may be utilized between 15 and 25 days delinquent. G. At the time the account reaches 31 days delinquent, it is assigned to a mid-mid- range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues the collection effort. If the account cannot be resolved through normal collection efforts, i.e., satisfactory payment arrangements, then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations must be approved by an Officer. I. CACS allows the individual collector to accurately document and update each account pertaining to telephone calls and correspondence created as a result of contact with the customer. Repossessions ------------- If repossession of the collateral occurs, whether voluntary or involuntary, the following steps are taken: A. Notification of repossession to proper authorities when necessary. B. Inventory of all personal property is taken and a condition report is done on the vehicle. Pictures are also taken of the vehicle. C. Written notification, as required by state law, to customer(s) concerning their rights of redemption or reinstatement along with information on how to obtain any personal property that was in the vehicle at the time of repossession. D. Written request to the originating dealer for all refunds due for dealer adds. E. Collateral disposition through public or private sale, (dictated by state law), in a commercially reasonable manner, whenever possible through a Manheim or Xxxxxx Auto Auction. F. After the collateral is liquidated, the debtor(s) is notified in writing of the deficiency balance owed, if any. Use of Due Date Changes ----------------------- Due dates may be changed subject to the following conditions: A. The account is contractually current or will be brought current with the due date change. B. Due date changes cannot exceed the total of 15 days over the life of the contract. C. The first installment payment has been paid in full. D. Only one date change in a twelve month period. E. Any exceptions to the above stated policy must be approved by an Officer. Use of Payment Deferments ------------------------- A payment deferral is offered to customers who have encountered temporary financial difficulties.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 60 months; (B) each Receivable had an original maturity of not more than 72 60 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,00030,000; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.0014.25% and not more than 3232.00%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- Note: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection Personnel. Additionally, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act (FDCPA). The Collection Process ---------------------- Customer is issued a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated into two groups, those less than 30 days delinquent and those over 30 days delinquent. C. Accounts less than 30 days delinquent are further segregated into accounts that have good residential and business phone numbers and those that do not. D. For those that have good phone numbers, they are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collector. F. In both groups, all reasonable collection efforts are made to avoid the account rolling over 30 days delinquent, including the use of collection letters. Collection letters may be utilized between 15 and 25 days delinquent. G. At the time the account reaches 31 days delinquent, it is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- hard-core collector. The hard-core collector then continues the collection effort. If the account cannot be resolved through normal collection efforts, i.e., satisfactory payment arrangements, then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations must be approved by an Officer. I. CACS allows the individual collector to accurately document and update each account pertaining to telephone calls and correspondence created as a result of contact with the customer.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) not more than 40% of Receivables (calculated by Aggregate Principal Balance) shall have an original term to maturity of 72 months; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,000; (DE) each Initial Receivable has an Annual Percentage Rate of at least 8.008% and not more than 3230%; (EF) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (FG) no funds have been advanced by AmeriCredit, any Dealer, any Third-Party Lender, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (EF) above. SCH-B-5 SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- NoteNOTE: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection PersonnelAPPLICABLE TIME PERIODS WILL VARY BY STATE COMPLIANCE WITH STATE COLLECTION LAWS IS REQUIRED OF ALL AMERICREDIT COLLECTION PERSONNEL. AdditionallyADDITIONALLY, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act AMERICREDIT HAS CHOSEN TO FOLLOW THE GUIDELINES OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA). The Collection Process ---------------------- Customer is issued THE COLLECTION PROCESS AmeriCredit mails each customer a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated The CACS segregates accounts into two groups, those : loans less than 30 days delinquent and those over 30 days delinquent. C. Accounts Loans delinquent for less than 30 days delinquent are then further segregated into two groups: accounts that have good residential and business phone numbers and those that do not. D. For those that have Loans with good phone numbersnumbers are transferred to the Davox system (AmeriCredit's predictive dialing system). The system automatically dials the phone number related to a delinquent account. When a connection is made, they the account is then routed to the next available account representative. E. Loans without good phone numbers are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collectorcollectors. F. In both groups, all All reasonable collection efforts are made in an attempt to avoid the account rolling over 30 prevent these accounts from becoming 30+ days delinquent, including delinquent - this includes the use of collection letters. Collection letters may be utilized between 15 15th and 25 25th days delinquentof delinquency. G. At the time the When an account reaches 31 days delinquent, it a collector determines if any default notification is required in the state where the debtor lives. H. When an account exceeds 61 days delinquent, the loan is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues who will continue the collection effort. If the account cannot be resolved through normal collection efforts, i.e.efforts (I.E., satisfactory payment arrangements, ) then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations An officer must be approved by an Officerapprove all repossession requests. I. CACS allows the individual each collector to accurately document and update each customer file when contact (verbal or written) is made. SCH-C-1 REPOSSESSIONS If repossession of the collateral occurs, the following steps are taken: A. Proper authorities are notified (if applicable). B. An inventory of all personal property is taken and a condition report is prepared on the vehicle. C. Written notification, as required by state law, is sent to the customer(s) stating their rights of redemption or reinstatement along with information on how to obtain any personal property that was in the vehicle at the time of repossession. D. Written request to the originating dealer for all refunds due for dealer adds is made. E. Collateral disposition through public or private sale, (dictated by state law), in a commercially reasonable manner, through a third-party auto auction. F. After the collateral is liquidated, the debtor(s) is notified in writing of the deficiency balance owed, if any. USE OF DUE DATE CHANGES Due dates may be changed subject to the following conditions: A. The account pertaining to telephone calls and correspondence created as a result of contact is contractually current or will be brought current with the customerdue date change. B. Due date changes cannot exceed the total of 15 days over the life of the contract. C. The first installment payment has been paid in full. D. Only one due date change in a twelve month period. An Officer must approve any exceptions to the above stated policy. USE OF PAYMENT DEFERMENTS A payment deferral is offered to customers who have the desire and capacity to make future payments but who have encountered temporary financial difficulties, with management approval. A. Without prior approval, minimum of six payments have been made on the account and a minimum of nine payments have been made since the most recent deferment (if any). B. The account will be brought current with the deferment, but not paid ahead, without management approval. C. A deferment fee is collected on all transactions. SCH-C-2 D. No more than eight total payments may be deferred over the life of the loan, without management approval. An Officer must approve any exceptions to the above stated policy. CHARGE-OFFS It is AmeriCredit's policy that any account that is not successfully recovered by 120 days delinquent is submitted to an Officer for approval and charge-off. It is AmeriCredit's policy to carry all Chapter 13 bankruptcy accounts until 120 days delinquent. A partial charge-off is taken for the unsecured portion of the account. On fully reaffirmed Chapter 7 bankruptcy accounts, the accounts can be deferred current at the time of discharge. DEFICIENCY COLLECTIONS Accounts are assigned to third party collection agencies for deficiency collections. SCH-C-3 EXHIBIT A SUBSEQUENT TRANSFER AGREEMENT Transfer No. ______________ of Subsequent Receivables pursuant to a Sale and Servicing Agreement dated as of September 10, 2001, among AMERICREDIT AUTOMOBILE RECEIVABLES TRUST 2001-C, a Delaware business trust (the "ISSUER"), AFS FUNDING CORP., a Nevada corporation (the "SELLER"), AMERICREDIT FINANCIAL SERVICES, INC. a Delaware corporation (the "SERVICER"), and THE CHASE MANHATTAN BANK, a New York banking corporation (the "TRUST COLLATERAL AGENT").

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 60 months; (B) each Receivable had an original maturity of not more than 72 60 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 359.78 and not more than $60,00029,699.12; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.0014.25% and not more than 3230.00%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- Note: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection Personnel. Additionally, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act (FDCPA). The Collection Process ---------------------- Customer is issued a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated into two groups, those less than 30 days delinquent and those over 30 days delinquent. C. Accounts less than 30 days delinquent are further segregated into accounts that have good residential and business phone numbers and those that do not. D. For those that have good phone numbers, they are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collector. F. In both groups, all reasonable collection efforts are made to avoid the account rolling over 30 days delinquent, including the use of collection letters. Collection letters may be utilized between 15 and 25 days delinquent. G. At the time the account reaches 31 days delinquent, it is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- hard-core collector. The hard-core collector then continues the collection effort. If the account cannot be resolved through normal collection efforts, i.e., satisfactory payment arrangements, then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations must be approved by an Officer. I. CACS allows the individual collector to accurately document and update each account pertaining to telephone calls and correspondence created as a result of contact with the customer.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 60 months; (B) each Receivable had an original maturity of not more than 72 60 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,00030,000; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.0012.50% and not more than 3233.00%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- Note: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection PersonnelCOMPLIANCE WITH STATE COLLECTION LAWS IS REQUIRED OF ALL AMERICREDIT COLLECTION PERSONNEL. AdditionallyADDITIONALLY, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act AMERICREDIT HAS CHOSEN TO FOLLOW THE GUIDELINES OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA). The Collection Process ---------------------- Customer is issued a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated into two groups, those less than 30 days delinquent and those over 30 days delinquent. C. Accounts less than 30 days delinquent are further segregated into accounts that have good residential and business phone numbers and those that do not. D. For those that have good phone numbers, they are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collector. F. In both groups, all reasonable collection efforts are made to avoid the account rolling over 30 days delinquent, including the use of collection letters. Collection letters may be utilized between 15 and 25 days delinquent. G. At the time the account reaches 31 days delinquent, it is assigned to a mid-mid- range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues the collection effort. If the account cannot be resolved through normal collection efforts, i.e., satisfactory payment arrangements, then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations must be approved by an Officer. I. CACS allows the individual collector to accurately document and update each account pertaining to telephone calls and correspondence created as a result of contact with the customer. Repossessions ------------- If repossession of the collateral occurs, whether voluntary or involuntary, the following steps are taken: A. Notification of repossession to proper authorities when necessary. B. Inventory of all personal property is taken and a condition report is done on the vehicle. Pictures are also taken of the vehicle. C. Written notification, as required by state law, to customer(s) concerning their rights of redemption or reinstatement along with information on how to obtain any personal property that was in the vehicle at the time of repossession. D. Written request to the originating dealer for all refunds due for dealer adds. E. Collateral disposition through public or private sale, (dictated by state law), in a commercially reasonable manner, whenever possible through a Manheim or Xxxxxx Auto Auction. F. After the collateral is liquidated, the debtor(s) is notified in writing of the deficiency balance owed, if any. Use of Due Date Changes ----------------------- Due dates may be changed subject to the following conditions: A. The account is contractually current or will be brought current with the due date change. B. Due date changes cannot exceed the total of 15 days over the life of the contract. C. The first installment payment has been paid in full. D. Only one date change in a twelve month period. E. Any exceptions to the above stated policy must be approved by an Officer. Use of Payment Deferments ------------------------- A payment deferral is offered to customers who have encountered temporary financial difficulties. A. Minimum of six payments have been made on the account. B. The account will be brought current with the deferment, but not paid ahead. C. A deferment fee is collected on all transactions. D. Only one deferment transaction can be performed in a twelve month period. E. No more than two payments may be deferred in a twelve month period, and no more than eight total payments may be deferred over the life of the loan. F. Any exceptions to the above stated policy must be approved by an Officer. Charge-Offs ----------- A. When a Post Repossession Notice is generated on an account, the account may be partially charged-off on the date that the notice legally expires. The partial charge-off calculation is based on the expected residual value of the vehicle at time of sale. Adjustments to the account are made once final liquidation of the vehicle occurs. B. It is AmeriCredit's policy that any account that is not successfully recovered by 180 days delinquent is submitted to an Officer for approval and charge-off. C. It is AmeriCredit's policy to carry all Chapter 13 bankruptcy accounts until confirmation of the plan. Once the plan is approved, a partial charge-off is taken for the unsecured portion of the account. On fully reaffirmed Chapter 7 bankruptcy accounts, the accounts are deferred current at the time of discharge. Deficiency Collections ---------------------- A. Contact is made with the customer in an attempt to establish acceptable payment arrangements or settlements on the account. B. If the customer is unwilling to do so, AmeriCredit may invoke any legal collection remedy that the state allows, i.e., judgements, garnishments, etc. EXHIBIT A SUBSEQUENT TRANSFER AGREEMENT TRANSFER No. OF SUBSEQUENT Receivables pursuant to a Sale and Servicing Agreement dated as of February 17, 1998, among THE AMERICREDIT AUTOMOBILE RECEIVABLES TRUST 1998-A, a Delaware business trust (the "Issuer"), AFS FUNDING CORP., a Nevada corporation (the "Seller"), AMERICREDIT FINANCIAL SERVICES, INC. a Delaware corporation (the "Servicer"), and XXXXXX TRUST AND SAVINGS BANK, an Illinois corporation (the "Trust Collateral Agent").

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,000; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.008% and not more than 32%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- Note: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection Personnel. Additionally, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act (FDCPA). The Collection Process ---------------------- Customer is issued a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated into two groups, those less than 30 60 days delinquent and those over 30 60 days delinquent. C. Accounts less than 30 60 days delinquent are further segregated into accounts that have good residential and business phone numbers and those that do not. D. For those that have good phone numbers, they are assigned to the Melita Davox Group. E. For those without good phone numbers, they are assigned to the front-end collector. F. In both groups, all reasonable collection efforts are made to avoid the account rolling over 30 days delinquent, including the use of collection letters. Collection letters may be utilized between 15 and 25 days delinquent. G. At the time the account reaches 31 days delinquent, it is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues the collection effort. If the account cannot be resolved through normal collection efforts, i.e., satisfactory payment arrangements, then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations must be approved by an Officer. I. CACS allows the individual collector to accurately document and update each account pertaining to telephone calls and correspondence created as a result of contact with the customer.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) not more than 30% of Receivables (calculated by Aggregate Principal Balance) shall have an original term to maturity of 72 months; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,000; (DE) each Initial Receivable has an Annual Percentage Rate of at least 8.008% and not more than 3230%; (EF) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (FG) no funds have been advanced by AmeriCredit, any Dealer, any Third-Party Lender, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (EF) above. SCH-B-5 SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- NoteNOTE: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection PersonnelAPPLICABLE TIME PERIODS WILL VARY BY STATE COMPLIANCE WITH STATE COLLECTION LAWS IS REQUIRED OF ALL AMERICREDIT COLLECTION PERSONNEL. AdditionallyADDITIONALLY, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act AMERICREDIT HAS CHOSEN TO FOLLOW THE GUIDELINES OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA). The Collection Process ---------------------- Customer is issued THE COLLECTION PROCESS AmeriCredit mails each customer a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated The CACS segregates accounts into two groups, those : loans less than 30 days delinquent and those over 30 days delinquent. C. Accounts Loans delinquent for less than 30 days delinquent are then further segregated into two groups: accounts that have good residential and business phone numbers and those that do not. D. For those that have Loans with good phone numbersnumbers are transferred to the Davox system (AmeriCredit's predictive dialing system). The system automatically dials the phone number related to a delinquent account. When a connection is made, they the account is then routed to the next available account representative. E. Loans without good phone numbers are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collectorcollectors. F. In both groups, all All reasonable collection efforts are made in an attempt to avoid the account rolling over 30 prevent these accounts from becoming 30+ days delinquent, including delinquent - this includes the use of collection letters. Collection letters may be utilized between 15 15th and 25 25th days delinquentof delinquency. G. At the time the When an account reaches 31 days delinquent, it a collector determines if any default notification is required in the state where the debtor lives. H. When an account exceeds 61 days delinquent, the loan is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues who will continue the collection effort. If the account cannot be resolved through normal collection efforts, i.e.efforts (I.E., satisfactory payment arrangements, ) then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations An officer must be approved by an Officerapprove all repossession requests. I. CACS allows the individual each collector to accurately document and update each customer file when contact (verbal or written) is made. REPOSSESSIONS If repossession of the collateral occurs, the following steps are taken: A. Proper authorities are notified (if applicable). B. An inventory of all personal property is taken and a condition report is prepared on the vehicle. C. Written notification, as required by state law, is sent to the customer(s) stating their rights of redemption or reinstatement along with information on how to obtain any personal property that was in the vehicle at the time of repossession. D. Written request to the originating dealer for all refunds due for dealer adds is made. E. Collateral disposition through public or private sale, (dictated by state law), in a commercially reasonable manner, through a third-party auto auction. F. After the collateral is liquidated, the debtor(s) is notified in writing of the deficiency balance owed, if any. Due dates may be changed subject to the following conditions: A. The account pertaining to telephone calls and correspondence created as a result of contact is contractually current or will be brought current with the customerdue date change. B. Due date changes cannot exceed the total of 15 days over the life of the contract. C. The first installment payment has been paid in full. D. Only one due date change in a twelve month period. An Officer must approve any exceptions to the above stated policy. USE OF PAYMENT DEFERMENTS A. Without prior approval, minimum of six payments have been made on the account and a minimum of nine payments have been made since the most recent deferment (if any). B. The account will be brought current with the deferment, but not paid ahead, without management approval. C. A deferment fee is collected on all transactions. D. No more than eight total payments may be deferred over the life of the loan, without management approval. An Officer must approve any exceptions to the above stated policy.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) not more than 40% of Receivables (calculated by Aggregate Principal Balance) shall have an original term to maturity of 72 months; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,000; (DE) each Initial Receivable has an Annual Percentage Rate of at least 8.007% and not more than 3233%; (EF) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (FG) no funds have been advanced by AmeriCredit, any Dealer, any Third-Party Lender, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (EF) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- Note: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection Personnel. Additionally, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act (FDCPA). The Collection Process ---------------------- Customer is issued AmeriCredit mails each customer a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated The CACS segregates accounts into two groups, those : loans less than 30 days delinquent and those over 30 days delinquent. C. Accounts Loans delinquent for less than 30 days delinquent are then further segregated into two groups: accounts that have good residential and business phone numbers and those that do not. D. For those that have Loans with good phone numbersnumbers are transferred to the Davox system (AmeriCredit's predictive dialing system). The system automatically dials the phone number related to a delinquent account. When a connection is made, they the account is then routed to the next available account representative. E. Loans without good phone numbers are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collectorcollectors. F. In both groups, all All reasonable collection efforts are made in an attempt to avoid the account rolling over 30 prevent these accounts from becoming 30+ days delinquent, including delinquent - this includes the use of collection letters. Collection letters may be utilized between 15 15th and 25 25th days delinquentof delinquency. G. At the time the When an account reaches 31 days delinquent, it a collector determines if any default notification is required in the state where the debtor lives. H. When an account exceeds 61 days delinquent, the loan is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues who will continue the collection effort. If the account cannot be resolved through normal collection efforts, efforts (i.e., satisfactory payment arrangements, ) then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations An officer must be approved by an Officerapprove all repossession requests. I. CACS allows the individual each collector to accurately document and update each account pertaining to telephone calls and correspondence created as a result of customer file when contact with the customer(verbal or written) is made.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) not more than 40% of Receivables (calculated by Aggregate Principal Balance) shall have an original term to maturity of 72 months; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,000; (DE) each Initial Receivable has an Annual Percentage Rate of at least 8.008% and not more than 3230%; (EF) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (FG) no funds have been advanced by AmeriCredit, any Dealer, any Third-Party Lender, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (EF) above. SCH-B-5 SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- NoteNOTE: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection PersonnelAPPLICABLE TIME PERIODS WILL VARY BY STATE COMPLIANCE WITH STATE COLLECTION LAWS IS REQUIRED OF ALL AMERICREDIT COLLECTION PERSONNEL. AdditionallyADDITIONALLY, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act AMERICREDIT HAS CHOSEN TO FOLLOW THE GUIDELINES OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA). The Collection Process ---------------------- Customer is issued THE COLLECTION PROCESS AmeriCredit mails each customer a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated The CACS segregates accounts into two groups, those : loans less than 30 days delinquent and those over 30 days delinquent. C. Accounts Loans delinquent for less than 30 days delinquent are then further segregated into two groups: accounts that have good residential and business phone numbers and those that do not. D. For those that have Loans with good phone numbersnumbers are transferred to the Davox system (AmeriCredit's predictive dialing system). The system automatically dials the phone number related to a delinquent account. When a connection is made, they the account is then routed to the next available account representative. E. Loans without good phone numbers are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collectorcollectors. F. In both groups, all All reasonable collection efforts are made in an attempt to avoid the account rolling over 30 prevent these accounts from becoming 30+ days delinquent, including delinquent - this includes the use of collection letters. Collection letters may be utilized between 15 15th and 25 25th days delinquentof delinquency. G. At the time the When an account reaches 31 days delinquent, it a collector determines if any default notification is required in the state where the debtor lives. H. When an account exceeds 61 days delinquent, the loan is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues who will continue the collection effort. If the account cannot be resolved through normal collection efforts, i.e.efforts (I.E., satisfactory payment arrangements, ) then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations An officer must be approved by an Officerapprove all repossession requests. I. CACS allows the individual each collector to accurately document and update each customer file when contact (verbal or written) is made. SCH-C-1 REPOSSESSIONS If repossession of the collateral occurs, the following steps are taken: A. Proper authorities are notified (if applicable). B. An inventory of all personal property is taken and a condition report is prepared on the vehicle. C. Written notification, as required by state law, is sent to the customer(s) stating their rights of redemption or reinstatement along with information on how to obtain any personal property that was in the vehicle at the time of repossession. D. Written request to the originating dealer for all refunds due for dealer adds is made. E. Collateral disposition through public or private sale, (dictated by state law), in a commercially reasonable manner, through a third-party auto auction. F. After the collateral is liquidated, the debtor(s) is notified in writing of the deficiency balance owed, if any. USE OF DUE DATE CHANGES Due dates may be changed subject to the following conditions: A. The account pertaining to telephone calls and correspondence created as a result of contact is contractually current or will be brought current with the customerdue date change. B. Due date changes cannot exceed the total of 15 days over the life of the contract. C. The first installment payment has been paid in full. D. Only one due date change in a twelve month period. An Officer must approve any exceptions to the above stated policy. USE OF PAYMENT DEFERMENTS A payment deferral is offered to customers who have the desire and capacity to make future payments but who have encountered temporary financial difficulties, with management approval. A. Without prior approval, minimum of six payments have been made on the account and a minimum of nine payments have been made since the most recent deferment (if any). B. The account will be brought current with the deferment, but not paid ahead, without management approval. C. A deferment fee is collected on all transactions. SCH-C-2 D. No more than eight total payments may be deferred over the life of the loan, without management approval. An Officer must approve any exceptions to the above stated policy. CHARGE-OFFS It is AmeriCredit's policy that any account that is not successfully recovered by 120 days delinquent is submitted to an Officer for approval and charge-off. It is AmeriCredit's policy to carry all Chapter 13 bankruptcy accounts until 120 days delinquent. A partial charge-off is taken for the unsecured portion of the account. On fully reaffirmed Chapter 7 bankruptcy accounts, the accounts can be deferred current at the time of discharge. DEFICIENCY COLLECTIONS Accounts are assigned to third party collection agencies for deficiency collections. SCH-C-3 EXHIBIT A SUBSEQUENT TRANSFER AGREEMENT Transfer No. ______________ of Subsequent Receivables pursuant to a Sale and Servicing Agreement dated as of October 17, 2001, among AMERICREDIT AUTOMOBILE RECEIVABLES TRUST 2001-D, a Delaware business trust (the "ISSUER"), AFS FUNDING CORP., a Nevada corporation (the "SELLER"), AMERICREDIT FINANCIAL SERVICES, INC. a Delaware corporation (the "SERVICER"), and BANK ONE, NA, a national banking association (the "TRUST COLLATERAL AGENT").

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 60 months; (B) each Receivable had an original maturity of not more than 72 60 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,00030,000; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.0013.00% and not more than 3233.00%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- Note: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection PersonnelCOMPLIANCE WITH STATE COLLECTION LAWS IS REQUIRED OF ALL AMERICREDIT COLLECTION PERSONNEL. AdditionallyADDITIONALLY, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act AMERICREDIT HAS CHOSEN TO FOLLOW THE GUIDELINES OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA). The Collection Process ---------------------- Customer is issued a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated into two groups, those less than 30 days delinquent and those over 30 days delinquent. C. Accounts less than 30 days delinquent are further segregated into accounts that have good residential and business phone numbers and those that do not. D. For those that have good phone numbers, they are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collector. F. In both groups, all reasonable collection efforts are made to avoid the account rolling over 30 days delinquent, including the use of collection letters. Collection letters may be utilized between 15 and 25 days delinquent. G. At the time the account reaches 31 days delinquent, it is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- hard-core collector. The hard-core collector then continues the collection effort. If the account cannot be resolved through normal collection efforts, i.e., satisfactory payment arrangements, then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations must be approved by an Officer. I. CACS allows the individual collector to accurately document and update each account pertaining to telephone calls and correspondence created as a result of contact with the customer. Repossessions ------------- If repossession of the collateral occurs, whether voluntary or involuntary, the following steps are taken: A. Notification of repossession to proper authorities when necessary. B. Inventory of all personal property is taken and a condition report is done on the vehicle. Pictures are also taken of the vehicle.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) not more than 30% of Receivables (calculated by Aggregate Principal Balance) shall have an original term to maturity of 72 months; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,000; (DE) each Initial Receivable has an Annual Percentage Rate of at least 8.008% and not more than 3233%; (EF) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (FG) no funds have been advanced by AmeriCredit, any Dealer, any Third-Party Lender, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (EF) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- NoteNOTE: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection PersonnelAPPLICABLE TIME PERIODS WILL VARY BY STATE COMPLIANCE WITH STATE COLLECTION LAWS IS REQUIRED OF ALL AMERICREDIT COLLECTION PERSONNEL. AdditionallyADDITIONALLY, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act AMERICREDIT HAS CHOSEN TO FOLLOW THE GUIDELINES OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA). The Collection Process ---------------------- Customer is issued THE COLLECTION PROCESS AmeriCredit mails each customer a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated The CACS segregates accounts into two groups, those : loans less than 30 days delinquent and those over 30 days delinquent. C. Accounts Loans delinquent for less than 30 days delinquent are then further segregated into two groups: accounts that have good residential and business phone numbers and those that do not. D. For those that have Loans with good phone numbersnumbers are transferred to the Davox system (AmeriCredit's predictive dialing system). The system automatically dials the phone number related to a delinquent account. When a connection is made, they the account is then routed to the next available account representative. E. Loans without good phone numbers are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collectorcollectors. F. In both groups, all All reasonable collection efforts are made in an attempt to avoid the account rolling over 30 prevent these accounts from becoming 30+ days delinquent, including delinquent - this includes the use of collection letters. Collection letters may be utilized between 15 15th and 25 25th days delinquentof delinquency. G. At the time the When an account reaches 31 days delinquent, it a collector determines if any default notification is required in the state where the debtor lives. H. When an account exceeds 61 days delinquent, the loan is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues who will continue the collection effort. If the account cannot be resolved through normal collection efforts, i.e.efforts (I.E., satisfactory payment arrangements, ) then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations An officer must be approved by an Officerapprove all repossession requests. I. CACS allows the individual each collector to accurately document and update each customer file when contact (verbal or written) is made. REPOSSESSIONS If repossession of the collateral occurs, the following steps are taken: A. Proper authorities are notified (if applicable). B. An inventory of all personal property is taken and a condition report is prepared on the vehicle. C. Written notification, as required by state law, is sent to the customer(s) stating their rights of redemption or reinstatement along with information on how to obtain any personal property that was in the vehicle at the time of repossession. D. Written request to the originating dealer for all refunds due for dealer adds is made. E. Collateral disposition through public or private sale, (dictated by state law), in a commercially reasonable manner, through a third-party auto auction. F. After the collateral is liquidated, the debtor(s) is notified in writing of the deficiency balance owed, if any. USE OF DUE DATE CHANGES Due dates may be changed subject to the following conditions: A. The account pertaining to telephone calls and correspondence created as a result of contact is contractually current or will be brought current with the customerdue date change. B. Due date changes cannot exceed the total of 15 days over the life of the contract. C. The first installment payment has been paid in full. D. Only one due date change in a twelve month period. An Officer must approve any exceptions to the above stated policy.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,00030,000; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.009.00% and not more than 32%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- Note: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection Personnel. Additionally, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act (FDCPA). The Collection Process ---------------------- Customer is issued a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated into two groups, those less than 30 days delinquent and those over 30 days delinquent. C. Accounts less than 30 days delinquent are further segregated into accounts that have good residential and business phone numbers and those that do not. D. For those that have good phone numbers, they are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collector. F. In both groups, all reasonable collection efforts are made to avoid the account rolling over 30 days delinquent, including the use of collection letters. Collection letters may be utilized between 15 and 25 days delinquent. G. At the time the account reaches 31 days delinquent, it is assigned to a mid-mid- range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues the collection effort. If the account cannot be resolved through normal collection efforts, i.e., satisfactory payment arrangements, then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations must be approved by an Officer. I. CACS allows the individual collector to accurately document and update each account pertaining to telephone calls and correspondence created as a result of contact with the customer.

Certain Characteristics of Initial Receivables. (A) Each Initial ---------------------------------------------- Receivable had a remaining maturity, as of the Initial Cutoff Date, of not more than 72 months; (B) each Receivable had an original maturity of not more than 72 months; (C) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $250 and not more than $60,000; (D) each Initial Receivable has an Annual Percentage Rate of at least 8.009% and not more than 3230%; (E) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date and (F) no funds have been advanced by AmeriCredit, any Dealer, any Third-Party Lender, or anyone acting on behalf of any of them in order to cause any Initial Receivable to qualify under clause (E) above. SCHEDULE C SERVICING POLICIES AND PROCEDURES --------------------------------- NoteNOTE: Applicable Time Periods Will Vary by State Compliance with state collection laws is required of all AmeriCredit Collection PersonnelAPPLICABLE TIME PERIODS WILL VARY BY STATE COMPLIANCE WITH STATE COLLECTION LAWS IS REQUIRED OF ALL AMERICREDIT COLLECTION PERSONNEL. AdditionallyADDITIONALLY, AmeriCredit has chosen to follow the guidelines of the Federal Fair Debt Collection Practices Act AMERICREDIT HAS CHOSEN TO FOLLOW THE GUIDELINES OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA). The Collection Process ---------------------- Customer is issued THE COLLECTION PROCESS AmeriCredit mails each customer a monthly billing statement 16 to 20 days before payment is due. A. All accounts are issued to the Computer Assisted Collection System (CACS) at 5 days delinquent or at such other dates of delinquency as determined by historical payment patterns of the account. B. Accounts are then segregated The CACS segregates accounts into two groups, those : loans less than 30 days delinquent and those over 30 days delinquent. C. Accounts Loans delinquent for less than 30 days delinquent are then further segregated into two groups: accounts that have good residential and business phone numbers and those that do not. D. For those that have Loans with good phone numbersnumbers are transferred to the Davox system (AmeriCredit's predictive dialing system). The system automatically dials the phone number related to a delinquent account. When a connection is made, they the account is then routed to the next available account representative. E. Loans without good phone numbers are assigned to the Melita Group. E. For those without good phone numbers, they are assigned to the front-end collectorcollectors. F. In both groups, all All reasonable collection efforts are made in an attempt to avoid the account rolling over 30 prevent these accounts from becoming 30+ days delinquent, including delinquent - this includes the use of collection letters. Collection letters may be utilized between 15 15th and 25 25th days delinquentof delinquency. G. At the time the When an account reaches 31 days delinquent, it a collector determines if any default notification is required in the state where the debtor lives. H. When an account exceeds 61 days delinquent, the loan is assigned to a mid-range collector. At this time the collector identifies the necessity of any default notification required by state law. H. Once the account exceeds 60 days in delinquency, it is assigned to a hard- core collector. The hard-core collector then continues who will continue the collection effort. If the account cannot be resolved through normal collection efforts, i.e., efforts (i.e. satisfactory payment arrangements, ) then the account may be submitted for repossession approval, either voluntary or by an approved outside contractor or if necessary for sequestration approval. All repossessions and sequestrations An officer must be approved by an Officerapprove all repossession requests. I. CACS allows the individual each collector to accurately document and update each customer file when contact (verbal or written) is made. REPOSSESSIONS If repossession of the collateral occurs, the following steps are taken: A. Proper authorities are notivied (if applicable). B. An inventory of all personal property is taken and a condition report is prepared on the vehicle. C. Written notification, as required by state law, is sent to the customer(s) stating their rights of redemption or reinstatement along with information on how to obtain any personal property that was in the vehicle at the time of repossession. D. Written request to the originating dealer for all refunds due for dealer adds is made. E. Collateral disposition through public or private sale, (dictated by state law), in a commercially reasonable manner, through a third-party auto auction. F. After the collateral is liquidated, the debtor(s) is notified in writing of the deficiency balance owed, if any. USE OF DUE DATE CHANGES Due dates may be changed subject to the following conditions: A. The account pertaining to telephone calls and correspondence created as a result of contact is contractually current or will be brought current with the customerdue date change. B. Due date changes cannot exceed the total of 15 days over the life of the contract. C. The first installment payment has been paid in full. D. Only one due date change in a twelve month period. An Officer must approve any exceptions to the above stated policy.