-----Original Message-----
From: E-LOAN [mailto:auto_service@auto.eloan.com]
Sent: Thursday, February 07, 2002 1:19 PM
To: Hyatt, Kevin
Subject: E-LOAN HAS APPROVED YOUR AUTO LOAN



Dear Jess Hyatt,

Congratulations!  E-LOAN has approved your application for an auto loan.  We're
proud to offer a better way to finance the vehicle of your dreams.  Please
print and keep this e-mail - it contains important information about your loan.


The terms of your financing are listed below. Please note, your approval is
valid through 03/23/2002.  The rates quoted below are based on a detailed
review of your finances, as you reported on your application, and your credit
history. The rates therefore may differ from the rates quoted on the web site.

    Loan Number:            10685265
    Loan Amount:            Up to a maximum of $18,000.00 and no less than
                            $7,500.00.
    Est. Monthly Payment:   $346.65 (based on the max loan amount and new
                            APR and loan term below)
    APR:                    5.84% (New) 6.10% (Used)
    Loan Term (new) :       60 months (model years 2001-2002, maximum
                            mileage 6,000 and not previously titled)
    Loan Term (used):       60 months (model years 1998-2002,
                            maximum mileage 60,000)

    Additional Conditions of Approval:
        o Vehicle must be purchased at a franchised auto dealership. See
          http://www.eloan.com/autodealers for a list of Preferred dealers.
        o Vehicles used for business or commercial purposes are not eligible.
        o Loan to value: Amount must not exceed 120% of Invoice (New/Demo), or
          120% of NADA Trade-in (Used) including insurance and warranty plus
          taxes, license, and registration.
        o Provide a copy of Borrower(s) insurance card or binder with a max
          deductible of $500.00 for comprehensive and collision.
        o Vehicles that have a payload greater than one ton are not eligible.
        o Amount may not include GAP or Creditlife


If for any reason you would like to change the loan amount or term, please call a Loan
Consultant at 1-888-ELOAN-22 to make the changes rather than re-applying online.


LOAN PACKAGE

You will soon receive the following documents to complete your vehicle financing:
1.  Check Draft:  Works just like your own personal check.  Simply fill in the
amount you will be paying for the vehicle (within the approved minimum and
maximum amounts and loan to value limits) and present it to the dealer as
payment along with the Dealer Agreement.

2.  Note and Security Agreements for both new and used vehicles stating your
maximum allowable loan amount.  Please review carfeully the one that pertains
to your vehicle purchase before signing the Check Draft.

3. "What you should know" - a list of questions and answers.


To see what your payments would be based on a loan amount lower than the maximum
or to check on the delivery status of your loan package, simply log into your
E-Track account.

https://www.eloan.com/cgi-bin/auto/autoetrack?context=auto

If you have any questions, please feel free to call our toll-free number
1-888-E-LOAN-22 Monday to Friday, from 6am to 6pm PT, or Saturday from 6am to
3pm PT.  Or, email us at: auto_service@auto.eloan.com.

Thanks for choosing E-LOAN for your auto financing needs.

Sincerely,

The E-LOAN Team
A better way to get a loan



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