DATE: September 6, 2002

TO: Dealers, General Managers, and F&I Managers

FROM: Mark S. Krejci

RE: GAP: 2002 Hartford Financial Profile

As you are all aware, Continental-National's IAS/Hartford GAP is in compliance with the state of Florida. Per the recent information memorandum (02-059M) issued by the FDOI, their position is that two-party GAP is not insurance. (This is a good thing.)

I am enclosing the most recent Financial Profile on The Hartford. Hartford, an A+ (Superior) rated company by A.M. Best, with assets of over $181,200,000,000.00 (Billion), insures the dealer's obligations under the IAS/Hartford GAP Waiver.

If you have any questions, please do not hesitate to call me at 813.223.0085, ext. 25. As always, thank you for the opportunity to serve you.

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