Wachovia Dealer Services is pleased to offer the following commercial lending solutions, available through Wachovia Bank, N.A., along with opportunities to help you manage interest rate volatility.

Commercial Financing
Wachovia Bank, the nation’s fourth largest financial institution, provides complete financial solutions for your dealership.

Look to an industry-experienced Commercial Relationship Manager to provide innovative financing solutions for:

• Real Estate Loans
• Working Capital
• Acquisition or Mergers
• Buying/Leasing Office Equipment and Supplies
• Floorplan
  
  Wachovia will help you secure a credit facility with competitive rates and terms based upon your specific inventory needs. Floorplan financing features include:
  • The ability to manage your inventory with Floorplan Connection, an online solution that utilizes Dealer Access System^TM to instantly access, update and inquire about floorplan loan information.
  • Floorplan Connection also provides electronic billing, online payments and monthly reporting — all via the Internet.
  • An account specialist assigned to you to manage your daily transactions

Your Relationship Manager will work closely with you to understand your dealership’s unique financial needs and will deliver creative yet sound solutions from a wide range of financing alternatives, including:

• Term Loans
• Lines of Credit
• Business Leases

Wachovia can also tailor these solutions to:

• Terms that can be structured to match your borrowing needs, or to match the life of the financed asset
• Cash flow management
• Secured or unsecured loans
• Fixed or floating rate options available

For more information about financing solutions, please contact Wachovia Dealer Services to speak with a Relationship Manager or call
1-888-937-9997.

Interest Rate Management
Gone are the days when auto, RV and marine dealers have to accept unwanted interest rate risk as the cost of doing business. Today a variety of hedging tools can help you reduce, eliminate, or offset your interest rate exposure. That’s one of the great advantages of teaming with a large, established financial services provider like Wachovia which has a wealth of resources and experience at your fingertips.

Let Wachovia work with you to manage interest rate exposure by delivering these tools to you in a customized way, by:

• Analyzing your exposure to interest rates and determining the impact of rate cycles on your business
• Proposing specific interest rate management strategies from among all types of interest rate solutions
• Clearly explaining our proposals to key decision makers
• Implementing the strategy in a cost-effective way that is responsive to changing market conditions

Wachovia’s team of traders, marketers, and quantitative analysts can provide custom-tailored solutions for almost any interest-rate related risk, no matter how unique.

For more information about interest rate management solutions, please contact Wachovia Dealer Services to speak with a Relationship Manager or call 1-888-937-9997.