Used Car Prices Continue Fall New Car Sales Fall 7_

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GUIDELINES March 2003 Official Used Car Guide Company Industry Summary This Issue: N.A.D.A. Official Used Car Guide Releases Vehicle Retention Rankings Price Trends in Vehicle Segments and Body Styles Visit N.A.D.A. Official Used Car Guide at the 2003 CBA Finance Conference and Tradeshow in Dallas Used Car Prices Continue Fall Trucks Pull Index Lower For Second Consecutive Month $12,000 $11,500 $11,000 $10,500 $10,000 $9,500 Mar Apr Nov May Aug Dec Sep Jun Jan Oct Feb Jul Key Figures: Used Vehicles Wholesale Price Index -0.72% Segment Performance Passenger Cars: 2.1% Vans: 1.2% Luxury Cars: 1.0% Crossover Utility: -0.9% Sport Utility: -2.0% Pickups: -2.3% Leading Vehicle Makes* Saturn: +5.0% Ford: +3.4% Dodge Cars: +2.3% Honda: +2.3% *3 month moving avg. Used Car Index for model years 1996-2003. Source: N.A.D.A./NAAA AuctionNet New Car Sales Fall 7% GM Sales Down 19% as Industry Battles War, Weather, and the Economy 1,800,000 1,600,000 1,400,000 1,200,000 1,000,000 800,000 600,000 400,000 200,000 0 Apr Feb Aug Jun Dec Feb Oct February New Car Sales Units: 1,218,968 Percent Decline: -7.0% Car/Truck Mix Trucks: 637,898 Cars: 581,070 Leading Manufacturers Honda: +13.8% Subaru: +10.7% BMW: +6.6% Mazda: +5.8% VW Group:+2.5% “2003 is starting off on a sour note, but we are optimistic that things will turn around in the second half.” - Mustafa Mohatarem Chief Economist General Motors Source: Ward’s Automotive Reports and Automotive News Used vehicles use a month over month comparison, while new vehicles use a year over year comparison. N.A.D.A. Official Used Car Guide Company 8400 Westpark Drive McLean, VA 22102 (703) 760-7583 www.nada.com March 2003 February Peak Performers N.A.D.A. Official Used Car Guide Value Retention Rankings Value Retained through Auctions for Model Year 2002 Vehicles Vehicle Mini Cooper Toyota Sequoia SR5 4WD Lexus ES300 BMW X5 4.4L Lexus LS430 Ford Thunderbird Audi A4 3.0L Quattro Honda CR-V LX 4WD BMW 525I GMC Yukon XL % Value Retained 113.42% 99.71% 99.49% 99.27% 98.60% 98.60% 97.75% 96.87% 96.16% 94.63% 120% 100% 80% 60% 40% 20% 0% Le xus: 90.55% Mini: 113.42% Porsche : 95.84% Audi: 95.01% BMW: 91.77% Value Retained through Auctions for Model Year 2001 Vehicles Vehicle Acura MDX 4WD Toyota Sequoia SR5 4WD Chevrolet Corvette Coupe Lexus LS430 Toyota Rav-4 BMW X5 4.4L BMW 525I GMC Yukon 4WD Lexus RX300 4WD Chevrolet Tahoe 4WD % Value Retained 89.01% 88.94% 88.11% 87.22% 84.59% 83.11% 82.79% 82.25% 81.72% 81.52% 100% Porsche : 84.95% 80% Le xus: 78.07% 60% BMW : 74.09% 40% Audi: 71.90% 20% Me rce de s: 71.35% 0% Value Retained through Auctions for Model Year 2000 Vehicles % Value Retained Chevrolet Corvette Coupe 77.95% BMW X5 76.57% Toyota MR2 Spyder Convertible 74.22% Lexus RX300 4WD 73.91% Honda Odyssey LX 73.77% Honda S2000 72.77% Mercedes Benz CL500 Coupe 71.95% GMC Yukon XL 70.35% Toyota 4Runner 69.85% Jeep Wrangler 4.0L Sport 4WD 69.55% Vehicle 100% Porsche : 72.79% 80% Le xus: 66.91% 60% BMW: 62.89% 40% Merce de s: 61.94% 20% 0% Honda: 61.80% About Our Rankings: Value Retention is computed using a proprietary invoice calculation developed by the N.A.D.A. Official Used Car Guide Company then compared to February’s average wholesale price as represented in the AuctionNet database. Vehicles with an insufficient sample size were excluded. These vehicles include the 2002 Acura MDX, and the 2000 - 02 Porsche 911. March 2003 February 2003 Sales Trends Sales Percentage by Model Year 100% 80% 60% 40% 20% 0% Mar Jul Sep May Nov Jan Sales Percentage by Type 100% Other Repo 2003 2002 2001 2000 1999 1998 1997 1996 80% 60% 40% 20% 0% Jul Sep Mar May Nov Jan Dealer Fleet/Lease Manufacturer/ Factory Average Price by Model Year $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 Mar May MY2000 Jul S ep MY2001 Nov Jan MY2002 Average Price and Average Mileage $12,000 $11,500 $11,000 $10,500 $10,000 $9,500 Mar May Jul Sep Nov Jan Price Mileage 49,000 48,500 48,000 47,500 47,000 46,500 46,000 45,500 45,000 Source: N.A.D.A../NAAA AuctionNet Official Used Car Guide Company Industry Summary Published monthly by the N.A.D.A. Official Used Car Guide Company Scott Lilja - Executive Director Patricia Erney - Managing Editor Kris Pritchard - Data Analysis Manager Terrence Wynne - Import Car Editor Sean Snyder - Domestic Car Editor Laurence Dixon - Light Truck Editor To be added to the distribution list please e-mail kpritchard@nada.org March 2003 Vehicle Body Style Analysis Convertibles 12 Month Depreciation: 12.31% 10.00% 5.00% 0.00% -5.00% -10.00% -15.00% -20.00% Sep Nov Jan Jul Mar May 5.00% 0.00% -5.00% -10.00% -15.00% -20.00% -25.00% Sep Mar May Nov Industry Industry Nov Industry Nov Jan Jan Jan Jul Coupes Coupes 12 Month Depreciation: 18.51% Convertibles Industry Minivans 12 Month Depreciation: 16.12% 5.00% 0.00% -5.00% -10.00% -15.00% -20.00% -25.00% Sep Jan Jul Mar Nov May 5.00% 0.00% -5.00% -10.00% -15.00% -20.00% -25.00% Sedans 12 Month Depreciation: 12.63% Jul S edans Jul Pickup Mar Minivans Industry Sport Utility 12 Month Depreciation: 16.51% 5.00% 0.00% -5.00% -10.00% -15.00% -20.00% -25.00% Sep Jan Jul Mar Nov May 5.00% 0.00% -5.00% -10.00% -15.00% -20.00% -25.00% Mar Pickup Trucks 12 Month Depreciation: 9.54% May S UV Industry Source: N.A.D.A./NAAA AuctionNet May Sep Sep March 2003 Vehicle Segment Analysis Passenger Cars 12 Month Depreciation: 14.66% 5.00% 0.00% -5.00% -10.00% -15.00% -20.00% -25.00% Sep Nov Jan Jul Mar May 5.00% 0.00% -5.00% -10.00% -15.00% -20.00% -25.00% Sep Mar May Nov Industry Industry Nov Industry Nov Jan Jan Jan Jul Lux Cars Jul CUV Jul Pickup Luxury Cars 12 Month Depreciation: 12.05% Pass Car Industry Sport Utility 12 Month Depreciation: 17.58% 5.00% 0.00% -5.00% -10.00% -15.00% -20.00% -25.00% Sep Jan Jul Mar Nov May 5.00% 0.00% -5.00% -10.00% -15.00% -20.00% -25.00% Mar Crossover Utility 12 Month Depreciation: 10.71% S UV Industry Vans 12 Month Depreciation: 15.90% 5.00% 0.00% -5.00% -10.00% -15.00% -20.00% -25.00% Sep Mar May Nov Jan Jul 5.00% 0.00% -5.00% -10.00% -15.00% -20.00% -25.00% Mar Pickup Trucks 12 Month Depreciation: 9.54% May Vans Industry Source: N.A.D.A./NAAA AuctionNet May Sep Sep March 2003 February Key Facts and Figures Top Selling Models: Year to Date February 2003 CARS Accord Camry Taurus Civic Corolla Impala Focus Cavalier Altima Malibu 56,784 55,348 53,418 44,155 36,980 36,823 35,321 34,182 29,641 24,098 TRUCKS Ford F Series Silverado Ram Pickup Explorer Ranger TrailBlazer Caravan Windstar Grand Cherokee Econoline Source: Ward’s Automotive Reports 115,847 80,260 58,543 51,599 36,352 34,821 34,280 24,872 24,556 23,782 AuctionNet Volume Leaders Period: 2/1 - 2/28 Volumes AuctionNet Volume by Model Year 2003 1996 2 % 5 % 1997 7% 24% 2002 1998 1999 2000 8% 2002 Ford Taurus 2002 Mercury Sable 2002 Dodge Grand Caravan 2002 Dodge Intrepid 2001 Ford Ranger 2002 Toyota Camry 2000 Ford Ranger 2000 Nissan Altima 2000 Ford F150 2002 Ford Windstar 7,736 4,315 3,767 3,756 3,466 3,383 3,198 2,771 2,391 2,338 2001 13% 13% Source: N.A.D.A./NAAA AuctionNet 27% Average Price by Model Year $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 $0 1996 1997 1998 1999 2000 2001 2002 Source: N.A.D.A./NAAA AuctionNet Model Year Price Trends 5% 3% 1% -1% -3% -5% February 2003 vs January 2003 Source: N.A.D.A./NAAA AuctionNet $11,979 $11,350 $8,997 $6,190 $4,960 $3,760 $12,723 1996 1997 1998 1999 2000 2001 2002 2003 March 2003 CBA Automobile Finance Conference Visit N.A.D.A. Official Used Car Guide Co. at CBA Automobile Finance Conference and Tradeshow Stop by and see us, March 9th - 11th, at the CBA Automobile Finance Conference and Tradeshow in Dallas. We’ll be in Booths 50 - 51, showcasing our award-winning website, www.nada.com/b2b. When you subscribe to our online values, you get access to nine guides, plus the option to add auction data, with 24-7 access. Use it to accelerate the loan application tracking/approval process, easily value your portfolio and reduce loss and collateral risk. Try it out at our booth during the show and see how it can help you do your job more efficiently. About N.A.D.A. Official Used Car Guide Company Each month, we mail nearly five times as many N.A.D.A. Official Used Car Guides as our nearest competitor. To create our nine regional editions of the Official Used Car Guide, N.A.D.A.’s editorial team collect and analyze over half a million auto-related transactions per month, including both wholesale and retail sales. This data is collected from automobile manufacturers, new and used car dealers, major newspapers and over 140 auctions nationwide. N.A.D.A.’s analysts further process economic trends, location, weather, seasons, environmental concerns and governmental changes. N.A.D.A. projects the most market-reflective values. The Official Used Car Guide was a vital, necessary product back in 1933, and it remains so today. From its small beginnings, the N.A.D.A. Official Used Car Guide has expanded and serves as the base out of which all our other products have grown, including, N.A.D.A. e-Valuator®, N.A.D.A. e-Valuator® for Dealers, ATD/N.A.D.A. e-Valuator® for Commercial Trucks, ATD/N.A.D.A. Official Commercial Truck Guide®, Official Older Used Car Guide®, N.A.D.A. Developers’ Tools, Raw Data, Historical Data, N.A.D.A. XML Services, AuctionNet® Online, and more! While other vehicle valuation organizations may provide values for varied niche markets, we focus on providing market reflective vehicle valuations for: banking & finance, credit unions, government agencies, insurance companies, fleet/leasing, dealers, auctions, manufacturers, and rental agencies. This means that you get a data provider who understands the unique challenges you face in the automotive industry today, and who can respond to you quickly to help meet your vehicle valuation needs. As the N.A.D.A. Official Used Car Guide Company moves into the 21st century, we plan on remaining the gold standard for the next millennium and beyond. We are committed to providing our customers with the highest quality market-reflective products and services, as the leader in the used vehicle valuation industry. ACCOUNT EXECUTIVES For General Information on Products and Services: 1-800-544-6232 James Gibson Business Development Manager jgibson@nada.org Steve Stafford Financial Industry sstafford@nada.org Dan Ruddy Insurance Industry druddy@nada.org Marie Andrews Government Industry mandrews@nada.org Doug Ott Vehicle Remarketing Segment dott@nada.org

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