WELLS FARGO AUTOMOTIVE ADVANTAGE SPECIAL TERMS PROMOTION

                                                        Effective 02/01/2011

Plan#                                                    Description

9999       Regular Terms: For newly opened accounts: Prime Rate Plus 24.74% *, with  regular Monthly payments

1187        Reduced Rate** Special Rate of 9.90% APR With Regular Monthly Payments

                                                     Minimum Amount $500 Dollars

                      No Interest Option*** with Regular Payments:

1145        6 Months No Interest Option With Regular Monthly Payments

                        Minimum Amount $300 Dollars

1015       12 Months No Interest Option With Regular Monthly Payments

                          Minimum Amount $1000 Dollars

*Regular Terms Variable Rate: For newly opened accounts the APR is based on the prime rate, and is subject to change quarterly. The prime rate utilized is the highest prime rate published in the Money Rates section of the WALL STREET JOURNAL on the first of the month ,preceding the month of the rate change date. The rate change date for each quarter is the first day of the billing cycle beginning on or after January 1, April 1, July1, and October 1. For regular term purchases, the APR will be 27.99% as of January 1 2011.

**Reduced Rate: The reduced rate APR will apply to the purchase until the purchase until the purchase is paid in full provided the account does not become 60 days or more past due. If the account becomes 60 days past or more past due, we may transfer the purchase to regular terms in accordance with the applicable law.

***No-Interest Option: The interest accumulates during the promotional period. Interest is added into the customer account balance if the account is not paid in full during the promotional period. If the customer pays the balance in full before the promotional period expires, they pay no interest.

                                 Offered through Wells Fargo Financial National Bank