Common use of CERTAIN CHARACTERISTICS Clause in Contracts

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 and not more than $49,772.31; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 and not more than $49,772.31; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.50% and not more than 23.99%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June 1, 1999; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.02% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.98% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.64% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.00%; (L) none of such Receivables represented loans in excess of $50,000.00; (M) not more than 0.05% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; and (N) not more than 1.21% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 610.00 and not more than $49,772.3177,071.93; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 507.54 and not more than $49,772.3176,619.22; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.50% and not more than 23.9923.45%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; , (H) no Initial Receivable has a final scheduled payment date on or before June 11,1997, 1999; and (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; , (J) 13.0217.25% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9882.75% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; , (K) not more than 3.6449% of the Principal Balance as of the Initial Cutoff Date was attributable to loans originated under OFL's "Classic" program, (L) not more than 2% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.0021%; , (LM) none not more than 0.25% of the Principal Balance of such Receivables represented loans in excess of $50,000.00; (M) not more than 0.05% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; and (N) not more than 1.21% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor.,

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 6 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 3,104.80 and not more than $49,772.3150,853.05; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 547.78 and not more than $49,772.3150,853.05; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.507.74% and not more than 23.9923.45%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June March 1, 1999; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.0213.07% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9886.93% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.642.51% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.00%; (L) none 0.03% of such Receivables represented loans in excess of $50,000.00; (M) not more than 0.050.31% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; and (N) not more than 1.212.76% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 6 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 4,217.81 and not more than $49,772.3139,491.20; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 502.35 and not more than $49,772.3139,299.11; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.50% and not more than 23.9923.00%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June February 1, 1999; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.0218.1% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.98819% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.642.44% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.0021%; (L) none of such Receivables represented loans in excess of $50,000.00; (M) not more than 0.050.4% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; and (N) not more than 1.212.72% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor. SCHEDULE B SERVICING POLICIES AND PROCEDURES NOTE: APPLICABLE TIME PERIODS WILL VARY BY STATE. I. PAST DUE PAYMENT COLLECTIONS A. Past due payment notices are generated and sent on the 9th and 15th day of delinquency.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 and not more than $49,772.31; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 and not more than $49,772.31; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.50% and not more than 23.99%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June 1, 1999; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.02% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.98% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.64% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.00%; (L) none of such Receivables represented loans in excess of $50,000.00; (M) not more than 0.05% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; and (N) not more than 1.21% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor. SCHEDULE B SERVICING POLICIES AND PROCEDURES NOTE: APPLICABLE TIME PERIODS WILL VARY BY STATE. I. PAST DUE PAYMENT COLLECTIONS A. Past due payment notices are generated and sent on the 9th and 15th day of delinquency.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 6 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 1,700.00 and not more than $49,772.3146,089.55; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 505.45 and not more than $49,772.3145,975.35; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.508.25% and not more than 23.9923.95%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June December 1, 19991998; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.0215.99% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9884.01% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.6470% of the Aggregate Principal Balance as of the Initial Cutoff Date was attributable to loans originated under AFL's "Classic" program (excluding loans for the purchase of repossessed automobiles that would otherwise be deemed originated under the "Classic" program); (L) not more than 3% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.0021%; (LM) none of such Receivables represented loans in excess of $50,000.00; (MN) not more than 0.05.16% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; and (NO) not more than 1.212.0% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor. SCHEDULE B SERVICING POLICIES AND PROCEDURES NOTE: APPLICABLE TIME PERIODS WILL VARY BY STATE. I. PAST DUE PAYMENT COLLECTIONS A. Past due payment notices are generated and sent on the 9th and 15th day of delinquency.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 3,800.00 and not more than $49,772.3161,115.23; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 526.88 and not more than $49,772.3161,115.23; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.507.00% and not more than 23.99%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June September 1, 1999; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.0213.31% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9886.69% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.644.00% of the Aggregate Principal Balance of the Initial such Receivables as of the Initial Cutoff Date had will be attributable to Receivables with an Annual Percentage Rate in excess of 21.00%; , (L) none of such Receivables represented loans in excess of $50,000.00; (M) not more than 0.050.25% of the Aggregate Principal Balance of such Receivables represented will represent loans with original terms greater than 72 months; and on Financed Vehicles in excess of $50,000.00, (NM) not more than 1.213.00% of the Aggregate Principal Balance of such Receivables represented will represent loans with original terms greater than 72 months and (N) not more than 0.25% of the Aggregate Principal Balance of such Receivables will represent loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 3,999.00 and not more than $49,772.3162,999.96; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 572.71 and not more than $49,772.3162,999.96; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.508.00% and not more than 23.9924.90%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June December 1, 1999; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.0214.79% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9885.21% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.644.00% of the Aggregate Principal Balance of the Initial such Receivables as of the Initial Cutoff Date had will be attributable to Receivables with an Annual Percentage Rate in excess of 21.00%; , (L) none of such Receivables represented loans in excess of $50,000.00; (M) not more than 0.050.25% of the Aggregate Principal Balance of such Receivables represented will represent loans with original terms greater than 72 months; and on Financed Vehicles in excess of $50,000.00, (NM) not more than 1.213.00% of the Aggregate Principal Balance of such Receivables represented will represent loans with original terms greater than 72 months and (N) not more than 0.25% of the Aggregate Principal Balance of such Receivables will represent loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 6 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 3,104.80 and not more than $49,772.3150,853.05; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 547.78 and not more than $49,772.3150,853.05; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.507.74% and not more than 23.9923.45%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June March 1, 1999; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.0213.07% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9886.93% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.642.51% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.00%; (L) none 0.03% of such Receivables represented loans in excess of $50,000.00; (M) not more than 0.050.31% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; and (N) not more than 1.212.76% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor. SCHEDULE B SERVICING POLICIES AND PROCEDURES NOTE: APPLICABLE TIME PERIODS WILL VARY BY STATE. I. PAST DUE PAYMENT COLLECTIONS A. Past due payment notices are generated and sent on the 9th and 15th day of delinquency.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 6 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 1,700.00 and not more than $49,772.3146,089.55; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 505.45 and not more than $49,772.3145,975.35; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.508.25% and not more than 23.9923.95%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June December 1, 19991998; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.0215.99% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9884.01% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.6470% of the Aggregate Principal Balance as of the Initial Cutoff Date was attributable to loans originated under AFL's "Classic" program (excluding loans for the purchase of repossessed automobiles that would otherwise be deemed originated under the "Classic" program); (L) not more than 3% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.0021%; (LM) none of such Receivables represented loans in excess of $50,000.00; (MN) not more than 0.05.16% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; and (NO) not more than 1.212.0% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 three months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 six months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 1,044.70 and not more than $49,772.31; 41,653.54 (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 517.41 and not more than $49,772.31; 41,653.54 (E) each Initial Receivable has an Annual Percentage Rate of at least 7.508.00% and not more than 23.9924.00%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; , (H) no Initial Receivable has a final scheduled payment date on or before June 1, 1999; 1998, (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; , (J) 13.0211.34% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9888.66% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; , (K) not more than 3.6466.4% of the Principal Balance as of the Initial Cutoff Date was attributable to loans originated under AFL's "Classic" program, (L) not more than 3.4% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.0021.0%; , (LM) none of such Receivables represented loans in excess of $50,000.00; , (MN) not more than 0.050.6% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; months and (NO) not more than 1.214.3% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor. SCHEDULE B SERVICING POLICIES AND PROCEDURES NOTE: APPLICABLE TIME PERIODS WILL VARY BY STATE.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 three months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 six months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 1,500.00 and not more than $49,772.3138,613.19; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 784.98 and not more than $49,772.3138,613.19; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.508.50% and not more than 23.9924.00%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June September 1, 19991998; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.0212.32% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9887.68% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.6473% of the Aggregate Principal Balance as of the Initial Cutoff Date was attributable to loans originated under AFL's "Classic" program (excluding loans for the purchase of repossessed automobiles that would otherwise be deemed originated under the "Classic" program); (L) not more than 3.0% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.0021.0%; (LM) none of such Receivables represented loans in excess of $50,000.00; (MN) not more than 0.050.15% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; and (NO) not more than 1.214.0% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor. SCHEDULE B SERVICING POLICIES AND PROCEDURES NOTE: APPLICABLE TIME PERIODS WILL VARY BY STATE.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 610.00 and not more than $49,772.3177,071.93; (D) each D)each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 507.54 and not more than $49,772.3176,619.22; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.50% and not more than 23.9923.45%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; , (H) no Initial Receivable has a final scheduled payment date on or before June 1, 1999; 1997, and (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; , (J) 13.0217.25% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9882.75% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; , (K) not more than 3.6449% of the Principal Balance as of the Initial Cutoff Date was attributable to loans originated under OFL's "Classic" program, (L) not more than 2% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.0021%; , (LM) none not more than 0.25% of the Principal Balance of such Receivables represented loans in excess of $50,000.00; 50,000, (MN) not more than 0.050.40% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; months and (NO) not more than 1.215.0% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL OFL with an obligor other than the current Obligor.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 3,800.00 and not more than $49,772.3161,115.23; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 526.88 and not more than $49,772.3161,115.23; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.507.00% and not more than 23.99%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June September 1, 1999; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.0213.31% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9886.69% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.644.00% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.00%; (L) none not more than 0.25% of such Receivables represented loans in excess of $50,000.00; (M) not more than 0.053.00% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; and (N) not more than 1.210.25% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor. SCHEDULE B SERVICING POLICIES AND PROCEDURES NOTE: APPLICABLE TIME PERIODS WILL VARY BY STATE.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 3,999.00 and not more than $49,772.3162,999.96; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 572.71 and not more than $49,772.3162,999.96; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.508.00% and not more than 23.9924.90%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June December 1, 1999; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.0214.79% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9885.21% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.644.00% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.00%; (L) none not more than 0.25% of such Receivables represented loans in excess of $50,000.00; (M) not more than 0.053.00% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; and (N) not more than 1.210.25% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor. SCHEDULE B SERVICING POLICIES AND PROCEDURES NOTE: APPLICABLE TIME PERIODS WILL VARY BY STATE.

CERTAIN CHARACTERISTICS. (A) Each Initial Receivable had a remaining maturity, as of the Initial Cutoff Date, of at least 3 months but not more than 84 months; (B) each Initial Receivable had an original maturity of at least 12 6 months but not more than 84 months; (C) each Initial Receivable had an original principal balance of at least $3,129.00 4,217.81 and not more than $49,772.3139,491.20; (D) each Initial Receivable had a remaining Principal Balance as of the Initial Cutoff Date of at least $554.48 502.35 and not more than $49,772.3139,299.11; (E) each Initial Receivable has an Annual Percentage Rate of at least 7.50% and not more than 23.9923.00%; (F) no Initial Receivable was more than 30 days past due as of the Initial Cutoff Date; (G) no funds have been advanced by the Seller, the Servicer, any Dealer, or anyone acting on behalf of any of them in order to cause any Receivable to qualify under clause (F) above; (H) no Initial Receivable has a final scheduled payment date on or before June February 1, 1999; (I) the Principal Balance of each Receivable set forth in Schedule of Receivables is true and accurate in all material respects as of the Initial Cutoff Date; (J) 13.0218.1% of the Initial Receivables, by principal balance as of the Initial Cutoff Date, was attributable to loans for the purchase of new Financed Vehicles and 86.9881.9% of the Initial Receivables was attributable to loans for the purchase of used Financed Vehicles; (K) not more than 3.642.44% of the Principal Balance of the Initial Receivables as of the Initial Cutoff Date had an Annual Percentage Rate in excess of 21.0021%; (L) none of such Receivables represented loans in excess of $50,000.00; (M) not more than 0.050.4% of the Aggregate Principal Balance of such Receivables represented loans with original terms greater than 72 months; and (N) not more than 1.212.72% of the Aggregate Principal Balance of such Receivables represented loans secured by Financed Vehicles that previously secured a loan originated by AFL with an obligor other than the current Obligor.