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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934, as amended
Date of Report (Date of earliest event reported): November 13, 1996
National Financial Auto Funding Trust
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(Exact name of registrant as specified in its charter)
Delaware 33-80813
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(State or Other Jurisdiction (Commission
of Incorporation) File Number)
One Park Place, Suite 200
621 N.W. 53rd Street
Boca Raton, Florida 33487
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(Address of Principal (Zip Code)
Executive Offices)
Registrant's telephone number, including area code (407) 997-2747
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Item 2. Acquisition Or Disposition Of Assets
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Description of the Certificates and the Receivables
On November 13, 1996, a single series of certificates, entitled 6.33%
Automobile Receivables-Backed Certificates, Series 1996-1 (the "Certificates"),
was issued pursuant to a Pooling and Servicing Agreement (the "Pooling and
Servicing Agreement") incorporated by reference herein as Exhibit 4.1, dated as
of October 21, 1996, among National Financial Auto Funding Trust, as Transferor
(the "Transferor"), National Auto Finance Company L.P., as Servicer (the
"Servicer" or "NAFCO"), and Harris Trust and Savings Bank, as Trustee (the
"Trustee"). The Certificates evidence in the aggregate an undivided ownership
interest in 91% of the National Auto Finance 1996-1 Trust (the "Trust")
consisting primarily of a pool of non-prime motor vehicle retail installment
sale contracts (the "Receivables"), having, as of the close of business on
October 21, 1996 (the "Initial Cut-off Date"), an aggregate outstanding
principal balance of $51,180,034.44. The Certificates were sold by the
Transferor to First Union Capital Markets Corp. ("First Union") pursuant to an
underwriting agreement, dated November 13, 1996 (the "Underwriting Agreement"),
between the Transferor and First Union. The Underwriting Agreement is attached
hereto as Exhibit 1.1.
Capitalized terms used herein and not otherwise defined shall have the
meanings assigned to them in the Pooling and Servicing Agreement.
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Item 7. Financial Statements And Exhibits
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(a) Not applicable
(b) Not applicable
(c) Exhibits
Exhibit No. Description
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1.1 Underwriting Agreement, dated as of
November 13, 1996, between National
Financial Auto Funding Trust, as seller,
and First Union Capital Markets Corp., as
underwriter.
4.1* Pooling and Servicing Agreement, dated as
of October 21, 1996, among National
Financial Auto Funding Trust, as
Transferor, National Auto Finance Company
L.P., as Servicer, and Harris Trust and
Savings Bank, as Trustee, with the
Contract Schedule attached thereto as
Schedule 1.
* Incorporated by reference to Exhibit No. 10.42 to the Registration
Statement on Form S-1 (Registration No. 333-13667) filed with the Commission by
National Auto Finance Company, Inc. Only the Contract Schedule is being attached
hereto as part of this filing.
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934,
as amended, the registrant has duly caused this report to be signed on its
behalf by the undersigned thereunto duly authorized.
NATIONAL FINANCIAL AUTO
FUNDING TRUST
By: /s/ Keith B. Stein
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Name: Keith B. Stein
Title: Secretary
Dated: November 27, 1996
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INDEX TO EXHIBITS
Exhibit No. Description
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1.1 Underwriting Agreement, dated as of
November 13, 1996, between National
Financial Auto Funding Trust, as seller,
and First Union Capital Markets Corp., as
underwriter.
4.1 Contract Schedule (Schedule 1 to the
Pooling and Servicing Agreement, dated as
of October 21, 1996, among National
Financial Auto Funding Trust, as
Transferor, National Auto Finance Company
L.P., as Servicer, and Harris Trust and
Savings Bank, as Trustee.)
EXHIBIT 1.1
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$62,098,000
NATIONAL AUTO FINANCE 1996-1 TRUST
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UNDERWRITING AGREEMENT
Dated as of November 7, 1996
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$62,098,000
NATIONAL AUTO FINANCE 1996-1 TRUST
UNDERWRITING AGREEMENT
November 7, 1996
First Union Capital Markets Corp.
One First Union Center, TW-10
Charlotte, NC 28288-0610
Ladies and Gentlemen:
NATIONAL FINANCIAL AUTO FUNDING TRUST, a Delaware business
trust (the "Seller"), hereby agrees with you as follows:
Section 1. AUTHORIZATION OF CERTIFICATES. The Seller has
authorized the issuance by National Auto Finance 1996-1 Trust (the "Trust") of
$62,098,000 of 6.33% Automobile Receivables-Backed Certificates, Series 1996-1
(the "Certificates"). The Certificates will evidence in the aggregate an
undivided ownership interest of 91% of the Trust to be formed pursuant to a
Pooling and Servicing Agreement dated as of November 1, 1996 (the "Pooling and
Servicing Agreement") by and among the Seller, National Auto Finance Company
L.P., as master servicer (the "Servicer" or "NAFCO"), and Harris Trust and
Savings Bank, as trustee (the "Trustee"). The assets of the Trust (the "Trust
Property") will include a pool of non-prime motor vehicle retail installment
sale contracts (the "Contracts"), all monies paid or payable thereunder on or
after the applicable cut-off date, security interests in the new and used
automobiles, light-duty trucks, vans and minivans financed by the Contracts, a
financial guaranty insurance policy (the "Policy") issued by Financial Security
Assurance ("FSA"), certain bank accounts, all proceeds of the foregoing, and
certain other property. The Seller will own the undivided interest in the Trust
not represented by the Certificates (the "Seller Interest"). The Seller Interest
will be subordinated to the Certificates. The Contracts will be serviced by the
Servicer, an affiliate of the Seller, and subserviced initially by Omni
Financial Services of America, Inc. ("OFSA"), a wholly owned subsidiary of World
Omni Financial Corp. ("World Omni"). The Certificates will be purchased by the
Underwriter pursuant to this Agreement. The Certificates will be issued on
November 13, 1996 or such other date as we shall mutually agree upon (the
"Closing Date").
The Seller has filed with the Securities and Exchange
Commission (the "Commission") a registration
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statement on Form S-3 (File No. 33-80813), including a base prospectus relating
to the Certificates under the Securities Act of 1933, as amended (the "1933
Act"). The term "Registration Statement" means such registration statement as
amended to the date of the Underwriting Agreement. The term "Base Prospectus"
means the prospectus included in the Registration Statement. The term
"Prospectus" means the Base Prospectus together with the prospectus supplement
specifically relating to the Certificates, as first filed with the Commission
pursuant to Rule 424. The term "Preliminary Prospectus" means a preliminary
prospectus supplement specifically relating to the Certificates together with
the Base Prospectus.
Upon the execution of the Underwriting Agreement and the
authorization by the Underwriter of the release of such Certificates, the
Underwriter proposes to offer for sale to the public (each such purchaser, a
"Purchaser") the Certificates at the prices and upon the terms set forth in the
Prospectus.
Section 2. APPOINTMENT OF UNDERWRITER. Subject to the terms
and conditions set forth herein, the Seller agrees to issue and sell to First
Union Capital Markets Corp. (the "Underwriter"), and the Underwriter agrees to
purchase from the Seller, at the time and place and at the Purchase Price and in
the manner set forth herein, the entire original principal balance of the
Certificates. The "Purchase Price" for the Certificates, including the
underwriting discount, shall be equal to $61,896,181.50.
Section 3. PURCHASE, SALE AND DELIVERY. Payment for the
Certificates shall be made by a same day federal funds wire payable to the order
of the Seller upon delivery of the Certificates registered in global form to the
custodian for DTC, at the offices of Thacher Proffitt & Wood, Two World Trade
Center, New York, New York 10048, before 4:00 P.M., New York time, on the
Closing Date. The denominations of the Certificates to be delivered and the name
in which each Certificate is to be registered will be set forth in a notice to
be delivered by you to the Trustee.
Section 4. REPRESENTATIONS AND WARRANTIES. (a) The
Seller hereby represents and warrants to you that as of the
date hereof, unless otherwise stated:
(i) The Registration Statement including a base prospectus
relating to the Certificates and the offering thereof from time to time
in accordance with Rule 415 under the 1933 Act has been filed with the
Commission and such Registration Statement, as amended to the date of
the Underwriting Agreement, has become effective. No stop order
suspending the effectiveness of such
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Registration Statement has been issued and no proceeding for that
purpose has been initiated or threatened by the Commission. A
prospectus supplement specifically relating to the Certificates will be
filed with the Commission pursuant to Rule 424 under the 1933 Act;
provided, however, that a supplement to the Prospectus prepared
pursuant to Section 5(ii) hereof shall be deemed to have supplemented
the Base Prospectus only with respect to the Certificates to which it
relates. The conditions to the use of a registration statement on Form
S-3 under the 1933 Act, as set forth in the General Instructions on
Form S-3, and the conditions of Rule 415 under the 1933 Act, have been
satisfied with respect to the Seller and the Registration Statement.
There are no contracts or documents of the Seller that are required to
be filed as exhibits to the Registration Statement pursuant to the 1933
Act or the rules and regulations thereunder that have not been so
filed.
(ii) On the effective date of the Registration Statement, the
Registration Statement and the Base Prospectus conformed in all
material respects to the requirements of the 1933 Act and the rules and
regulations thereunder, and did not include any untrue statement of a
material fact or omit to state any material fact required to be stated
therein or necessary to make the statements therein not misleading; on
the date of the Underwriting Agreement and as of the Closing Date, the
Registration Statement and the Prospectus conform, and as amended or
supplemented, if applicable, will conform in all material respects to
the requirements of the 1933 Act and the rules and regulations
thereunder, and on the date of the Underwriting Agreement and as of the
Closing Date, neither of such documents includes any untrue statement
of a material fact or omits to state any material fact required to be
stated therein or necessary to make the statements therein not
misleading, and neither of such documents as amended or supplemented,
if applicable, will include any untrue statement of a material fact or
omit to state any material fact required to be stated therein or
necessary to make the statements therein not misleading; PROVIDED,
HOWEVER, that the foregoing does not apply to statements or omissions
in any of such documents based upon written information furnished to
the Seller by any Underwriter specifically for use therein.
(iii) Since the respective dates as of which information is
given in the Registration Statement and the Prospectus, except as
otherwise stated therein, there has been no material adverse change in
the condition (financial or otherwise), business, properties or results
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of operations of the Seller, whether or not arising in the ordinary
course of the business of the Seller.
(iv) The Seller is a Delaware business trust with full power
and authority to own its properties and conduct its business, as
presently conducted, and to enter into and perform its obligations
under this Agreement, the Sale Agreement, dated as of October 21, 1996
(the "Sale Agreement") by and between National Financial Auto Funding
Trust ("Funding Trust II") and the Seller, the Purchase Agreements,
dated as of October 21, 1996 (the "Purchase Agreement") by and between
the Seller and NAFCO or Auto Credit Clearinghouse, L.P. ("ACCH"), the
Insurance and Indemnity Agreement, dated as of November 13, 1996 (the
"Insurance and Indemnity Agreement") by and among NAFCO, the Seller and
FSA, the Master Spread Account Agreement, dated as of November 13, 1996
(the "Master Spread Account Agreement"), by and among the Seller, FSA
and the Trustee (together, the "Transaction Documents") and the
Certificates.
(v) Each of the Transaction Documents has been duly
authorized, executed and delivered by the Seller and constitutes a
valid and binding agreement of the Seller.
(vi) The Certificates will conform in all material respects to
the description thereof contained in the Registration Statement and the
Prospectus and, when issued and delivered pursuant to this Agreement,
will have been duly executed, issued and delivered and will be entitled
to the benefits of the Pooling and Servicing Agreement.
(vii) Neither the transfer and assignment of all of the
Seller's right, title and interest in the Contracts and the Trust
Property to the Trustee, nor the issuance nor the delivery of the
Certificates, nor the consummation of any other of the transactions
herein contemplated, nor the fulfillment of the terms of the
Certificates, the Transaction Documents or this Agreement, will result
in the breach of any term or provision of the organizational documents
of the Seller or conflict with, result in a breach, violation or
acceleration of or constitute a default under, the terms of any
indenture, mortgage, deed of trust or other agreement or instrument to
which the Seller is a party or by which it is bound, or result in the
creation or imposition of any lien upon any of its material properties
pursuant to the terms of such indenture, mortgage, deed of trust or
other such instrument, other than the lien created pursuant to the
Pooling and Servicing Agreement, or violate any law, statute, order or
regulation applicable to the Seller of any court,
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regulatory body, administrative agency or governmental body having
jurisdiction over the Seller or any of their properties.
(viii) The Seller is not subject to or in violation of any
statute, order or regulation of any court, regulatory body,
administrative agency or governmental body having jurisdiction over it
or any of its properties, which materially and adversely affects (A)
the ability of the Seller to perform any of its obligations under the
Transaction Documents, or the ability of the Seller to perform any of
its obligations hereunder, or (B) the business, operations, financial
condition, properties or assets of the Seller, and the Seller is not a
party to, bound by or in breach or violation of any indenture,
mortgage, deed of trust or other agreement or instrument, which
materially and adversely affects the ability of the Seller to perform
any of its obligations under the Transaction Documents, or the ability
of the Seller to perform any of its obligations hereunder.
(ix) There are no actions, proceedings or investigations to
which the Seller, or any of its affiliates, is a party pending, or, to
the knowledge of the Seller, threatened, before any court, regulatory
body, administrative agency or other tribunal or governmental
instrumentality (A) asserting the invalidity of the Transaction
Documents or the Certificates, (B) seeking to prevent the issuance of
the Certificates or the consummation of any of the transactions
contemplated by the Transaction Documents, (C) which might materially
and adversely affect the performance by the Seller of its obligations
under the Transaction Documents or the Certificates, (D) which might
materially and adversely affect the validity or enforceability of the
Transaction Documents or the Certificates or (E) which might adversely
affect the federal income tax attributes of the Certificates described
in the Prospectus.
(x) Any taxes, fees and other governmental charges arising
from the execution and delivery of Transaction Documents and in
connection with the execution, delivery and issuance of the
Certificates and with the execution and delivery of the Contracts,
including any amendments thereto and assignments and/or endorsements
thereof have been paid or will be paid by NAFCO or the Seller.
(xi) As of the Closing Date and each date of purchase of
Contracts thereafter, the Seller will have good and marketable title
to, and will be the sole owner of record of each Contract free and
clear of any lien, mortgage, pledge, charge, encumbrance, adverse claim
or
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other security interest except for the security interest granted to the
Trustee (collectively, "Liens").
(xii) As of the Closing Date and each date of purchase of
Contracts thereafter, neither the Seller nor any Person acting on the
Seller's behalf will have offered, transferred, pledged, sold or
otherwise disposed of any of its right, title and interest in the
Contracts or the Pooling and Servicing Agreement other than as
contemplated by this Agreement and the Pooling and Servicing Agreement;
and upon the execution and delivery of the Pooling and Servicing
Agreement and the execution and delivery of the Certificates, the
Seller will have taken all necessary steps to convey good and
marketable title to the Certificates to the Underwriter, in each case
free and clear of any Liens.
(xiii) The Seller is unaware of any facts or circumstances
that would materially adversely affect the Seller's ability to perform
its obligations under the Transaction Documents or its obligations with
respect to the Contracts.
(xiv) Each of the representations and warranties of the Seller
set forth in Section 2.03(b) and Section 2.03(c) of the Pooling and
Servicing Agreement are true and correct.
(xv) Each of the representations and warranties of NAFCO set
forth in Section 2.03(a) of the Pooling & Servicing Agreement and
Section 4.1 of the Purchase
Agreement are true and correct.
(xvi) There has not been any material adverse change in the
business, operations, financial condition, properties or assets of
NAFCO since the financial statements dated June 30, 1996 were delivered
to you. Such financial statements (together with notes and schedules,
if any, thereto) fairly present the financial condition of NAFCO, as of
the dates indicated, for the periods specified, in conformity with
generally accepted accounting principles applied on a consistent basis
during such periods, except as indicated therein. Since the date of the
latest audited financial statements (together with the notes and
schedules, if any, thereto) previously delivered to you, NAFCO has not
sustained any material loss or interference with its business from
court or governmental action, order or decree, or otherwise, and, there
has not been any material reduction in the partners' capital (as such
terms are used in the audited financial statements of NAFCO) or a
material adverse change in the financial condition of NAFCO or any
material adverse change, or any development involving a
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prospective material adverse change in or affecting the general
affairs, management, financial position or results of operations of
NAFCO, which would adversely affect the ability of NAFCO to perform its
obligations hereunder or NAFCO's ability to perform its obligations
under the Purchase Agreements, the Insurance and Indemnity Agreement,
the Amended and Restated Servicing Agreement, dated as of December 8,
1994, (the "Amended and Restated Servicing Agreement") by and between
NAFCO and World Omni, the Supplement to the Amended and Restated
Servicing Agreement, dated November 13, 1996 (the "Supplement to the
Amended and Restated Servicing Agreement") by and between NAFCO and
OFSA and the Pooling and Servicing Agreement.
(xvii) The Pooling and Servicing Agreement is not required to
be qualified under the Trust Indenture Act of 1939, as amended, and the
Trust Property is not required to be registered under the Investment
Company Act of 1940, as amended.
Section 5. COVENANTS OF THE SELLER. The Seller hereby
covenants and agrees with you as follows:
(a) To furnish the Underwriter, without charge, copies of the
Registration Statement and any amendments thereto including exhibits
and as many copies of the Prospectus and any supplements and amendments
thereto as the Underwriter may from time to time reasonably request.
(b) Immediately following the execution of the Underwriting
Agreement, the Seller will prepare a prospectus supplement setting
forth the principal amount, notional amount or stated amount, as
applicable, of the Certificates covered thereby, the price at which the
Certificates are to be purchased by the Underwriter from the Seller,
either the initial public offering price or prices or the method by
which the price or prices at which the Certificates are to be sold will
be determined, the selling concessions and reallowances, if any, any
delayed delivery arrangements, and such other information as the
Underwriter and the Seller deem appropriate in connection with the
offering of the Certificates, but the Seller will not file any
amendment to the Registration Statement or any supplement to the
Prospectus of which the Underwriter shall not previously have been
advised and furnished with a copy within a reasonable time prior to the
proposed filing or to which the Underwriter shall have reasonably
objected. The Seller will use its reasonable best efforts to cause any
amendment to the Registration Statement to become effective as promptly
as possible. During the time when a Prospectus is required to be
delivered under the 1933 Act, the Seller will
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comply so far as it is able with all requirements imposed upon it by
the 1933 Act and the rules and regulations thereunder to the extent
necessary to permit the continuance of sales or of dealings in the
Certificates in accordance with the provisions hereof and of the
Prospectus, and the Seller will prepare and file with the Commission,
promptly upon request by the Underwriter, any amendments to the
Registration Statement or supplements to the Prospectus which may be
necessary or advisable in connection with the distribution of the
Certificates by the Underwriter, and will use its reasonable best
efforts to cause the same to become effective as promptly as possible.
The Seller will advise the Underwriter, promptly after it receives
notice thereof, of the time when any amendment to the Registration
Statement or any amended Registration Statement has become effective or
any supplement to the Prospectus or any amended Prospectus has been
filed. The Seller will advise the Underwriter, promptly after it
receives notice or obtains knowledge thereof, of the issuance by the
Commission of any stop order suspending the effectiveness of the
Registration Statement or any order preventing or suspending the use of
any Preliminary Prospectus or the Prospectus, or the suspension of the
qualification of the Certificates for offering or sale in any
jurisdiction, or of the initiation or threatening of any proceeding for
any such purpose, or of any request made by the Commission for the
amending or supplementing of the Registration Statement or the
Prospectus or for additional information, and the Seller will use its
reasonable best efforts to prevent the issuance of any such stop order
or any order suspending any such qualification, and if any such order
is issued, to obtain the lifting thereof as promptly as possible.
(c) If, at any time when a prospectus relating to the
Certificates is required to be delivered under the 1933 Act, any event
occurs as a result of which the Prospectus as then amended or
supplemented would include any untrue statement of a material fact, or
omit to state any material fact required to be stated therein or
necessary to make the statements therein, in the light of the
circumstances under which they were made, not misleading, or if it is
necessary for any other reason to amend or supplement the Prospectus to
comply with the 1933 Act, to promptly notify the Underwriter thereof
and upon its request to prepare and file with the Commission, at the
Seller's own expense, an amendment or supplement which will correct
such statement or omission or any amendment which will effect such
compliance.
(d) During the period when a prospectus is required by law to
be delivered in connection with the sale of the
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Certificates pursuant to the Underwriting Agreement, the Seller will
file, on a timely and complete basis, all documents that are required
to be filed by the Seller with the Commission pursuant to Sections 13,
14, or 15(d) of the 1934 Act.
(e) To qualify the Certificates for offer and sale under the
securities or "Blue Sky" laws of such jurisdictions as the Underwriter
shall reasonably request and to pay all expenses (including fees and
disbursements of counsel in the amounts previously agreed to) in
connection with such qualification of the eligibility of the
Certificates for investment under the laws of such jurisdictions as the
Underwriter may designate provided that in connection therewith the
Seller shall not be required to qualify to do business or to file a
general consent to service of process in any jurisdiction.
(f) To make generally available to the Seller's security
holders, as soon as practicable, but in any event not later than
eighteen months after the date on which the filing of the Prospectus,
as amended or supplemented, pursuant to Rule 424 under the 1933 Act
first occurs, an earnings statement of the Seller covering a
twelve-month period beginning after the date of the Underwriting
Agreement, which shall satisfy the provisions of Section 11(a) and Rule
158 of the 1933 Act.
(g) The Seller agrees that, so long as the Certificates shall
be outstanding, it will deliver to you and each Purchaser upon request,
all monthly servicing reports and any other reports available to the
holders of Certificates.
(h) The Seller agrees that any person designated in writing by
you or by any other holder of the Certificates may consult with the
proper officials of the Seller and the Seller shall use its reasonable
best efforts to arrange the cooperation of the officials of its
affiliates (including, without limitation, officials in charge of
servicing the Contracts) at such times and as often as you may
reasonably request regarding the information required to be furnished
pursuant to Section 5(g) or regarding the performance of the Seller's
covenants and agreements contained in this Agreement or the Transaction
Documents or regarding the information required to be furnished
pursuant to the Transaction Documents. In addition, the Seller agrees
to provide any further information and documentation as may reasonably
be requested by the holders of the Certificates regarding any of the
matters set forth herein or in the Transaction Documents; it being
understood that all such information
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and documentation may be subject to appropriate confidentiality
agreements.
Section 6. CONDITIONS OF UNDERWRITER OBLIGATION. Your
obligation to act as Underwriter for the Certificates on the Closing Date shall
be subject to the accuracy in all material respects of the representations and
warranties of the Seller herein and in the Transaction Documents, to the
performance by the Seller in all material respects of its obligations hereunder,
and to the execution and delivery of the Transaction Documents, the
Certificates, the Amended and Restated Servicing Agreement, the Assignment of
the Amended and Restated Servicing Agreement from World Omni to OFSA, dated
November 13, 1996, the Supplement to the Amended and Restated Servicing
Agreement, the Custodial Agreement, dated November 13, 1996 by and between the
Trustee and OFSA, by all parties thereto, and to the following additional
conditions:
(a) All actions required to be taken and all filings required
to be made by or on behalf of the Seller under the 1933 Act and the
Securities Exchange Act of 1934, as amended (the "1934 Act") prior to
the sale of the Certificates shall have been duly taken or made.
(b) (i) No stop order suspending the effectiveness of the
Registration Statement shall be in effect; (ii) no proceedings for such
purpose shall be pending before or threatened by the Commission, or by
any authority administering any state securities or "Blue Sky" laws;
(iii) any requests for additional information on the part of the
Commission shall have been complied with to the Underwriter's
reasonable satisfaction, (iv) since the respective dates as of which
information is given in the Registration Statement and the Prospectus
except as otherwise stated therein, there shall have been no material
adverse change in the condition (financial or otherwise), business,
properties or results of operations of the Seller; (v) there are no
material actions, suits or proceedings pending before any court or
governmental agency, authority or body or to the knowledge of the
Seller threatened, affecting the Seller or the transactions
contemplated by the Underwriting Agreement; (vi) the Seller is not in
violation of its charter or its by-laws or in default in the
performance or observance of any obligation, agreement, covenant or
condition contained in any contract, indenture, mortgage, loan
agreement, note, lease or other instrument to which it is a party or by
which it or its properties may be bound, which violations or defaults
separately or in the aggregate would have a material adverse effect on
the Seller.
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(c) Subsequent to the execution of the Underwriting Agreement,
there shall not have occurred any of the following: (i) if at or prior
to the Closing Date, trading in securities on the New York Stock
Exchange shall have been suspended or any material limitation in
trading in securities generally shall have been established on such
exchange, or a banking moratorium shall have been declared by New York
or United States authorities; (ii) if at or prior to the Closing Date,
there shall have been an outbreak or escalation of hostilities between
the United States and any foreign power, or of any other insurrection
or armed conflict involving the United States which results in the
declaration of a national emergency or war, and, in the reasonable
opinion of the Representative, makes it impracticable or inadvisable to
offer or sell the Certificates or (iii) if at or prior to the Closing
Date, a general moratorium on commercial banking activities in New York
shall have been declared by either Federal or New York State
authorities.
(d) The representations and warranties of the Seller contained
in Section 4 hereof and in the Transaction Documents shall be true and
correct in all material respects, and NAFCO and the Seller shall have
delivered to you certificates, dated the Closing Date, of the Executive
Vice President of National Auto Finance Corporation (the sole general
partner of NAFCO), acting solely in his capacity as executive officer
of National Auto Finance Corporation and not in his individual
capacity, to the effect that the signer of such certificate examined
this Agreement, the Transaction Documents, the Registration Statement
and the Prospectus and that: (i) the representations and warranties of
the Seller in Section 4 of this Agreement and in the Transaction
Documents are true and correct in all material respects, (ii) each of
NAFCO and the Seller have complied in all material respects with all
the agreements and satisfied all the conditions on its part to be
performed or satisfied at or prior to the Closing Date, (iii) nothing
has come to his attention that would lead him to believe that the
Registration Statement or the Prospectus as of the date thereof
contains any untrue statement of a material fact or omits to state any
material fact necessary in order to make the statements therein, in the
light of the circumstances under which they were made, not misleading
and (iv) the conditions contained in Section 4(b) have been satisfied.
Such certificate shall further state that the contents thereof
constitute representations and warranties of the Seller to you and each
Purchaser as to the matters covered thereby.
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(e) You shall have received from Thacher Proffitt & Wood, a
favorable opinion, dated the Closing Date and reasonably satisfactory
in form and substance to you and your special counsel. In rendering
such opinion, counsel may rely, to the extent deemed proper and as
stated therein, as to matters of fact on certificates of responsible
officers of NAFCO, the Seller and public officials. In rendering such
opinion, such counsel may rely to the extent deemed proper and as
stated therein, as to matters of state law of jurisdictions other than
the jurisdictions in which such counsel is admitted to practice, and
opinions of local counsel satisfactory to your special counsel. Each
opinion shall state that it may be relied upon by the Purchasers and
you as if the same had been addressed to them or to you.
(f) You shall have received from Dewey Ballantine, your
special counsel, a favorable opinion, dated the Closing Date and
reasonably satisfactory in form and substance to you, and NAFCO and the
Seller shall have furnished to your special counsel such documents as
they may request for the purpose of enabling them to pass on certain
matters.
(g) You shall have received a comfort letter, dated the
Closing Date and satisfactory to you (the "Comfort Letter") from
independent accountants, with respect to the Contracts.
(h) The Certificates shall have been rated at least "AAA" by
Standard and Poor's Ratings Service ("S&P") and "Aaa" by Moody's
Investor Services, Inc. ("Moody's").
(i) The Policy shall have been issued by FSA with respect to
the Certificates guaranteeing the payment of the Guaranteed
Distributions under the Pooling and Servicing Agreement.
(j) You shall have received a certificate of a responsible
officer of FSA stating that the information contained in the sections
of the Prospectus entitled "The Certificate Policy", "The Certificate
Insurer" and Appendix A thereto are true and correct in all material
respects.
(k) You shall have received a certificate of a responsible
officer of OFSA stating that the information contained in the Section
of the Prospectus entitled "Omni Financial Services of America, Inc."
is true and correct in all material respects.
(l) You shall have received an opinion of local Florida
counsel, dated the Closing Date and reasonably
12
<PAGE>
satisfactory in form and substance to you and your special counsel with
respect to the first priority security interest of the Seller and the
Trustee in the Contracts and with respect to the disclosures contained
in the Prospectus in the section entitled "State and Local Tax
Consequences - Florida".
(m) You shall have received an opinion of local Tennessee
counsel, dated the Closing Date and reasonably satisfactory to you and
your special counsel with respect to the disclosure contained in the
Prospectus in the section entitled "State and Local Tax Consequences
Tennessee".
(n) You shall have received an opinion of the general counsel
of NAFCO, dated the Closing Date and reasonably satisfactory in form
and substance to you and your special counsel.
(o) You shall have received an opinion of counsel to FSA,
dated the Closing Date and reasonably satisfactory in form and
substance to you and your special counsel.
(p) You shall have received an opinion of counsel to the
Trustee dated the Closing Date and reasonably satisfactory in form and
substance to you and your special counsel.
(q) You shall have received an opinion of counsel to OFSA,
dated the Closing Date and reasonably satisfactory in form and
substance to you and your special counsel.
(r) You shall have received an opinion of local Delaware
counsel to the Seller, dated the Closing Date, and reasonably
satisfactory in form and substance to you and your special counsel.
(s) You shall have received an opinion of counsel to the
trustee of the Seller, dated the Closing Date and reasonably
satisfactory in form and substance to you and your special counsel.
(t) You shall have received from counsel in each state in
which 10% or more of the Obligors on the Contracts, by aggregate
principal balance, are located a favorable opinion as to the lack or
necessity of noting the Trust's security interest on the certificates
of title for the Financed Vehicles to maintain its first priority
security interest, subject to certain exceptions and qualifications.
13
<PAGE>
(u) All proceedings in connection with the transactions
contemplated by this Agreement and all documents incident hereto shall
be reasonably satisfactory in form and substance to you and your
special counsel.
(v) You and your special counsel shall have received such
other information, certificates and documents as you or they may
reasonably request.
Section 7. SURVIVAL. The Seller agrees that the
representations, warranties and agreements made by it herein, in any certificate
or other instrument delivered pursuant hereto and in the Transaction Documents
shall be deemed to be relied upon by you, notwithstanding any investigation
heretofore or hereafter made by or on behalf of you, and that such
representations, warranties and agreements made by the Seller shall survive the
delivery and payment for the Certificates.
Section 8. EXPENSES. In the event that no closing of the sale
of the Certificates occurs through no fault of the Seller or because the
conditions set forth in Sections 6(e) and 6(f) have not been met, then the
Seller's liability to the Underwriter shall be limited to the reimbursement of
the Underwriter's expenses incurred through the date of termination for its
reasonable out-of-pocket and incidental expenses. In addition, whether or not
the Certificates are issued or sold, the Seller shall pay the reasonable fees
and expenses associated with the transactions contemplated hereby including,
without limitation, the following fees and expenses:
(a) Rating Agency fees payable to S&P and Moody's with respect
to their rating of the Certificates;
(b) The fees and expenses of the Seller's and NAFCO's counsel
and any special counsel required to be retained;
(c) Fees charged by the firm of independent public accountants
referred to in Section 6(g) for the Comfort Letter;
(d) Reasonable copying costs for the Prospectus;
(e) Legal fees of Dewey Ballantine, special counsel to the
Underwriter;
(f) Trustee's fees and reasonable fees of counsel to the
Trustee;
14
<PAGE>
(g) Fees and expenses of the Underwriter (including legal fees
and expenses) in connection with compliance with Blue Sky laws;
(h) The Commission's registration fee; and
(i) The expenses of printing and distributing this Agreement,
the Registration Statement, any Preliminary Prospectus, the Prospectus,
any amendments or supplements to the Registration Statement or the
Prospectus.
; provided that the Seller shall not be liable for the fees and expenses of the
Underwriter in the event that this Agreement is terminated without cause by the
Underwriter or if the Underwriter defaults in its obligation to purchase the
Certificates hereunder.
Section 9. INDEMNIFICATION. (a) The Seller will indemnify and
hold harmless the Underwriter against any losses, claims, damages or liabilities
to which the Underwriter may become subject, under the Act or otherwise, insofar
as such losses, claims, damages or liabilities (or actions in respect thereof)
arise out of or are based upon an untrue statement or alleged untrue statement
of a material fact contained in any Preliminary Prospectus, or the Registration
Statement or the Prospectus, or any amendment or supplement thereto, or arise
out of or are based upon the omission or alleged omission to state therein a
material fact required to be stated therein or necessary to make the statements
therein not misleading, and will promptly reimburse the Underwriter for any
legal or other expenses (as such expenses are incurred) reasonably incurred by
the Underwriter in connection with investigating, preparing to defend or
defending, or appearing as a third party witness in connection with, any such
action or claim; PROVIDED, HOWEVER, (i) that the Seller shall not be liable in
any such case to the extent that any such loss, claim, damage or liability
arises out of or is based upon an untrue statement or alleged untrue statement
or omission or alleged omission made in any Preliminary Prospectus, the
Registration Statement or the Prospectus or any such amendment or supplement in
reliance upon and in conformity with written information furnished to the Seller
by you expressly for use therein and (ii) such indemnity with respect to any
Preliminary Prospectus shall not inure to the benefit of the Underwriter from
whom the Purchaser asserting any such action or claim purchased the Certificates
which are the subject thereof if such Purchaser did not receive a copy of the
Prospectus (or the Prospectus as amended or supplemented) at or prior to the
confirmation of sale of such Certificates to such Purchaser in any case where
such delivery is required by the Act and the untrue statement or omission of a
material fact contained in such Preliminary Prospectus was corrected in the
Prospectus (or the Prospectus
15
<PAGE>
as amended or supplemented) and such corrected Prospectus was available by the
date of such confirmation. The Seller acknowledges that the Underwriter may
enter into one or more dealer agreements in connection with the offering of the
Certificates and agrees that the terms of this Section 9(a) will accrue to the
benefit of such dealers.
(b) The Underwriter hereby agrees to indemnify and hold harmless the
Seller and its affiliates, their respective directors, officers, controlling
persons (within the meaning of Section 15 of the Securities Act or Section 20(a)
of the Exchange Act, if any, agents and employees of the Seller or any of the
Seller's affiliates (collectively, "Seller Indemnified Persons", and
individually, a "Seller Indemnified Person") from and against any and all
claims, liabilities, losses, damages and expenses incurred by any Indemnified
Person (including reasonable fees and disbursements of the Seller's and a Seller
Indemnified Person's counsel) which arise out of or are based upon any untrue
statement or alleged untrue statement of any material fact contained in the
Registration Statement, any Preliminary Prospectus, the Prospectus, or any
amendment or supplement thereto, or any other prospectus relating to the
Certificates, or arise out of or are based upon the omission or alleged omission
to state therein a material fact required to be stated therein or necessary to
make the statements therein not misleading, in each case to the extent, but only
to the extent, that such untrue statements or alleged untrue statement or
omission or alleged omission was made in reliance upon and in conformity with
written information furnished to the Seller by the Underwriter specifically for
use therein and the Underwriter shall reimburse the Seller, its affiliates, and
each of their directors, officers, or controlling persons for any legal and
other expenses reasonably incurred by the Seller, its affiliates, or any such
directors, officers, employees, agents or controlling persons in investigating
or defending or preparing to defend against any such loss, claim, damage,
liability or action.
(c) The Seller acknowledges that the statements set forth
under the caption "Underwriting" in the Prospectus Supplement constitute the
only information furnished to the Seller by or on behalf of any Underwriter for
use in the Registration Statement, any Preliminary Prospectus or the Prospectus,
and the Underwriter represents and warrants that such statements are correct as
to it. Furthermore, the Underwriter will not be responsible for any claims
liabilities, losses, damages, or expenses which are finally judicially
determined to have resulted primarily from the Seller's or NAFCO's bad faith or
negligence.
(d) In order to provide for just and equitable contribution,
if a claim for indemnification is made pursuant
16
<PAGE>
to these provisions but is found in a final judgment by a court of competent
jurisdiction (not subject to further appeal) that such indemnification is not
available for any reason (except, with respect to indemnification sought solely
pursuant to clause (b) of the first paragraph hereof, for the reasons specified
in the second sentence thereof), even though the express provisions hereof
provide for indemnification in such case, then the Seller or the Underwriter as
the case may be shall contribute to such claim, liability, loss, damage or
expense for which such indemnification or reimbursement is held unavailable in
such proportion as is appropriate to reflect the relative benefits to the Seller
or the Underwriter as the case may be in connection with the transactions
contemplated by the engagement. The relative benefits received by the Seller or
the Underwriter as the case may be shall be deemed to be in the same proportion
as the total net proceeds from the placement of securities (before deducting
expenses) received by the Seller or the Underwriter as the case may be. The
Seller and the Underwriter agree that it would not be just and equitable if
contribution were determined by pro rata allocation or by any other method of
allocation other than described above.
(e) The foregoing right to indemnity and contribution shall be
in addition to any rights that any party or Underwriter Indemnified Person or
Seller Indemnified Person may have at common law or otherwise and shall remain
in full force and effect following the completion or any termination of your
engagement. Each party hereby consents to personal jurisdiction and to service
and venue in any court in which any claim which is subject to this agreement is
brought against any Underwriter Indemnified Person or Seller Indemnified Person.
Section 10. TERMINATION.
(a) This Agreement may be terminated by you at any time upon
the giving of notice prior to the Closing Date: (A) if there has been,
since the respective dates as of which information is given in the
Registration Statement or the Prospectus, any material adverse change
in the condition (financial or otherwise), of NAFCO or the Seller or in
the business, properties or results of operations of NAFCO or the
Seller, whether or not arising in the ordinary course of business, or
(B) if there has occurred any outbreak or escalation of hostilities or
other calamity or crisis the effect of which on the financial markets
of the United States is such as to make it, in your reasonable
judgment, impracticable to market the Certificates or enforce contracts
for the sale of the Certificates, or (C) if trading generally on either
the American Stock Exchange or the New York Stock Exchange has been
suspended, or minimum or maximum prices for
17
<PAGE>
trading have been fixed, or maximum ranges for prices for securities
have been required, by either of said exchanges or by order of the
Securities and Exchange Commission or any other governmental authority,
or (D) if a banking moratorium has been declared by either federal or
New York authorities. In the event of any such termination, no party
will have any liability to any other party hereto, except as otherwise
provided in Section 8 or 9 hereof.
(b) This Agreement may not be terminated by the Seller without
the written consent of the Underwriter until after December 31, 1996.
(c) Notwithstanding anything herein to the contrary, in the
event the Seller does not perform any obligation under this Agreement
or any representation and warranty hereunder is incomplete or
inaccurate in any material respect, this Agreement and all of the
Underwriter's obligations hereunder may be immediately cancelled by the
Underwriter by notice thereof to the Seller. Any such cancellation
shall be without liability of any party to any other party except that
the provisions of Sections 8 and 9 hereof shall survive any such
cancellation.
Section 11. SURVIVAL. The provisions of Section
5(g) and Section 9 of this Agreement shall survive the
termination of this Agreement.
Section 12. NOTICES. All communications provided for or
permitted hereunder shall be in writing and shall be deemed to have been duly
given if personally delivered to or mailed by certified or registered mail,
postage prepaid, or transmitted by facsimile and confirmed by a similar mailed
writing, if to you, addressed to you, at the address first stated in this
Agreement, or to such other address as you may designate in writing to the
Seller and, if to the Seller, addressed to the Seller at One Park Place, 621
N.W. 53rd Street, Boca Raton, Florida 33487 or to such other address as the
Seller may have designated in writing to you.
Section 13. SUCCESSORS. This Agreement will inure to the
benefit of and be binding upon the Seller and its successors and assigns and you
and your successors and assigns, except that no Purchaser will be bound by any
part of this Agreement.
No other person will have any right or obligation hereunder,
except that the provisions of this Agreement, including, without limitation, the
representations and warranties and the covenants and agreements of the Seller
contained herein are intended to be for the benefit of all
18
<PAGE>
Purchasers and shall be enforceable by any such Purchaser, whether or not an
express assignment to such Purchaser of rights under this Agreement has been
made by you, any intervening Purchaser or any of your or their successors and
assigns.
Section 14. ENTIRE AGREEMENT. This Agreement and the documents
referred to herein and to be delivered pursuant hereto constitute the entire
agreement between the parties pertaining to the subject matter hereof and
supersede all prior agreements, understandings, negotiations and discussions,
whether oral or written, of the parties.
Section 15. MISCELLANEOUS. This Agreement may be executed in
two or more counterparts, each of which when so executed and delivered shall be
an original, but all of which together shall constitute one and the same
instrument. Neither this Agreement nor any term hereof may be changed, waived,
discharged or terminated orally, but only by an instrument in writing signed by
the party against whom enforcement of the change, waiver, discharge or
termination is sought. The headings in this Agreement are for purposes of
reference only and shall not limit or otherwise affect the meaning hereof.
Section 16. DEFINED TERMS. Capitalized terms used
herein but not defined herein shall have the meaning ascribed
to them in the Pooling and Servicing Agreement.
Section 17. GOVERNING LAW; CONSENT TO JURISDICTION; WAIVER OF
JURY TRIAL. (A) THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE
WITH, THE INTERNAL LAWS (AS OPPOSED TO CONFLICT OF LAWS PROVISIONS) OF THE STATE
OF NEW YORK.
(B) THE UNDERWRITER AND THE SELLER HEREBY SUBMIT TO THE
NON-EXCLUSIVE JURISDICTION OF THE COURTS OF THE STATE OF NEW YORK AND THE UNITED
STATES DISTRICT COURT LOCATED IN THE SOUTHERN DISTRICT OF NEW YORK, AND EACH
WAIVES PERSONAL SERVICE OF ANY AND ALL PROCESS UPON IT AND CONSENTS THAT ALL
SUCH SERVICE OF PROCESS BE MADE BY REGISTERED MAIL DIRECTED TO THE RESPECTIVE
ADDRESS SET FORTH HEREIN AND SERVICE SO MADE SHALL BE DEEMED TO BE COMPLETED
FIVE DAYS AFTER THE SAME SHALL HAVE BEEN DEPOSITED IN THE U.S. MAILS, POSTAGE
PREPAID. THE UNDERWRITER AND THE SELLER EACH HEREBY WAIVE ANY OBJECTION BASED ON
FORUM NON CONVENIENS, AND ANY OBJECTION TO VENUE OF ANY ACTION INSTITUTED
HEREUNDER AND CONSENTS TO THE GRANTING OF SUCH LEGAL OR EQUITABLE RELIEF AS IS
DEEMED APPROPRIATE BY THE COURT. NOTHING IN THIS SECTION SHALL AFFECT THE RIGHT
OF EITHER THE UNDERWRITER OR THE SELLER, AS THE CASE MAY BE, TO SERVE LEGAL
PROCESS IN ANY OTHER MANNER PERMITTED BY LAW OR AFFECT ITS RIGHT TO BRING ANY
ACTION OR PROCEEDING AGAINST THE
19
<PAGE>
UNDERWRITER OR ITS PROPERTY OR THE SELLER OR ITS PROPERTY IN THE COURT OF ANY
OTHER JURISDICTION.
(C) THE UNDERWRITER AND THE SELLER EACH HEREBY WAIVE ANY RIGHT
TO HAVE A JURY PARTICIPATE IN RESOLVING ANY DISPUTE, WHETHER SOUNDING IN
CONTRACT, TORT, OR OTHERWISE ARISING OUT OF, CONNECTED WITH, RELATED TO, OR IN
CONNECTION WITH THIS AGREEMENT. INSTEAD, ANY DISPUTE RESOLVED IN COURT WILL BE
RESOLVED IN A BENCH TRIAL WITHOUT A JURY.
Section 18. LIMITATION OF LIABILITY. It is expressly
understood and agreed by the parties hereto that (a) this Agreement is executed
and delivered by Chase Manhattan Bank USA, National Association, not
individually or personally but solely as owner trustee (the "Owner Trustee") of
National Financial Auto Funding Trust (the "Trust"), in the exercise of the
powers and authority conferred and vested in it under the related Trust
Agreement, (b) each of the representations, undertakings and agreements herein
made on the part of the Owner Trustee or the Trust is made and intended not as
personal representations, undertakings and agreements by Chase Manhattan Bank
USA, National Association but is made and intended for the purpose of binding
only the Trust and (c) under no circumstances shall Chase Manhattan Bank USA,
National Association be personally liable for the payment of any indebtedness or
expenses of the Owner Trustee or the Trust or be liable for the breach or
failure of any obligation, representation, warranty or covenant made or
undertaken by the Owner Trustee or the Trust under this Agreement or other
related documents.
20
<PAGE>
If you are in agreement with the foregoing, please sign a
counterpart hereof and return the same to that company, whereupon this Agreement
shall become a binding agreement between you and the Seller.
Very truly yours,
NATIONAL FINANCIAL AUTO FUNDING
TRUST
By: THE CHASE MANHATTAN BANK
(USA), not in its
individual capacity but
solely as Owner Trustee
of the National Financial
Auto Funding Trust
By______________________________________
Name:___________________________________
Title:__________________________________
BY AFFIXING ITS SIGNATURE HERETO, NATIONAL AUTO
FINANCE COMPANY L.P. ALSO HEREBY AGREES TO BE JOINTLY AND
SEVERALLY LIABLE FOR THE OBLIGATIONS OF NATIONAL FINANCIAL
AUTO FUNDING TRUST.
NATIONAL AUTO FINANCE COMPANY
L.P.
By: NATIONAL AUTO FINANCE
CORPORATION, as
its general partner
Name:___________________________________
Title:__________________________________
The foregoing Agreement is hereby accepted and entered into as of the date
hereof.
FIRST UNION CAPITAL
MARKETS CORP.
By____________________________
Name:_________________________
Title:________________________
EXHIBIT 4.1
<PAGE>
<TABLE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 50 50 1 84 Whitfield,S 15,573.54 20.06% 425.56 09/21/01 15,909.73
20 50 50 1 86 Wilson,T 12,665.55 19.92% 339.17 10/09/01 12,719.95
20 50 50 1 121 Smith,L 16,443.87 19.92% 453.28 09/19/01 16,999.23
20 50 50 1 151 Vargas,G 10,072.58 20.09% 271.02 10/10/01 10,131.69
20 50 50 2 2 Adams,J 14,120.08 20.06% 398.08 09/22/01 14,882.25
20 50 50 2 20 Foley,D 13,570.45 19.93% 373.29 09/27/01 13,995.08
20 50 50 2 31 Legouest,M 11,587.95 20.06% 310.41 10/11/01 11,604.98
20 50 50 2 79 Velasquez,R 16,769.35 19.94% 456.40 09/27/01 17,115.32
20 50 50 2 83 White,K 11,442.38 19.94% 312.30 09/24/01 11,711.49
20 50 50 2 85 Willialmson,W 16,605.67 20.15% 450.98 10/14/01 16,968.90
20 50 50 2 108 Delgadillo,P 9,029.59 20.75% 290.99 07/02/01 9,438.26
20 50 50 2 118 Wesson,M 18,590.72 20.31% 505.13 10/03/01 18,942.42
20 50 50 2 155 Licon,R 14,432.07 20.28% 388.72 10/10/01 14,578.08
20 50 50 2 157 Carter,E 13,892.31 20.31% 374.83 06/05/01 14,056.14
20 50 50 3 26 Haywood,E 19,526.38 20.30% 533.38 10/04/01 20,008.00
20 50 50 3 41 Mendoza,Y 10,494.46 20.75% 341.75 09/08/01 11,083.90
20 50 50 3 54 Ranta,J 17,113.44 20.30% 563.23 08/28/01 18,411.81
20 50 50 3 76 Torres,A 15,487.93 19.92% 421.72 07/25/01 15,815.81
20 50 50 3 82 Welker,S 24,319.30 20.75% 770.79 07/25/01 25,000.44
20 50 50 3 103 Dominguez,D 19,808.93 20.06% 534.37 06/08/01 19,977.37
20 50 50 3 126 Tsai,S 13,794.73 20.30% 379.00 09/13/01 14,217.06
20 50 50 3 132 Bennett,R 14,538.65 20.27% 462.50 09/05/01 15,000.01
20 50 50 3 164 Quinones,P 11,932.78 20.10% 344.79 10/07/01 12,090.59
20 50 50 4 6 Bradford,J 8,957.41 20.65% 322.98 07/31/01 9,520.00
20 50 50 4 13 Curiel,L 15,185.01 20.31% 415.62 10/04/01 15,462.42
20 50 50 4 43 Montes,D 11,280.44 19.91% 307.03 09/28/01 11,513.76
20 50 50 4 46 Newell,P 10,908.78 20.46% 348.78 09/14/01 11,274.33
20 50 50 4 55 Rantzow,C 6,824.29 21.20% 268.22 09/20/01 7,100.00
20 50 50 4 58 Reyes,I 9,161.11 20.31% 251.86 09/17/01 9,370.11
20 50 50 4 66 Santamaria,P 10,014.45 20.27% 334.58 07/29/01 10,852.00
20 50 50 4 72 Tennyson,D 17,381.39 20.10% 474.74 10/28/01 17,880.94
20 50 50 4 75 Thompson,A 6,086.63 21.00% 292.84 08/23/01 6,789.79
20 50 50 4 77 Tran,T 15,273.83 20.31% 433.47 09/01/01 16,255.10
20 50 50 4 102 Garcia,S 11,782.42 20.10% 362.88 06/01/01 12,724.90
20 50 50 4 133 Monroe,A 9,774.31 20.31% 265.08 09/14/01 9,940.51
20 50 50 4 136 Pontier,D 4,981.71 21.00% 193.20 09/29/01 5,114.04
20 50 50 5 1 Absher,E 22,577.22 20.53% 712.96 09/12/01 25,000.00
20 50 50 5 3 Aragon,C 11,695.59 20.31% 324.97 10/08/01 12,186.51
20 50 50 5 4 Arvizu,K 9,235.10 20.57% 369.31 10/09/01 9,775.94
20 50 50 5 5 Avila,R 7,904.31 20.10% 228.52 10/13/01 8,013.40
20 50 50 5 7 Bright,S 11,113.96 20.75% 354.54 07/12/01 11,499.54
20 50 50 5 8 Cabra,L 9,299.53 20.57% 361.58 06/30/01 9,572.17
20 50 50 5 10 Casey,J 7,955.18 21.19% 312.09 07/11/01 8,261.44
20 50 50 5 11 Christy,B 8,664.35 20.33% 275.77 06/22/01 8,943.94
20 50 50 5 14 Curry,G 14,925.82 19.92% 425.92 07/11/01 15,973.14
20 50 50 5 15 Daniels,S 5,044.11 21.64% 470.39 07/02/01 7,175.47
20 50 50 5 16 Delgadillo,D 3,462.08 21.57% 227.64 09/16/01 4,406.01
20 50 50 5 17 Durden,B 6,843.68 20.67% 423.66 07/08/01 8,200.00
20 50 50 5 18 Eason,D 7,536.61 20.30% 324.19 05/30/01 8,634.06
20 50 50 5 19 Fogle,V 10,864.47 20.75% 345.03 06/09/01 11,100.31
20 50 50 5 22 Gafoa,V 10,742.38 20.75% 348.39 05/13/01 11,299.26
20 50 50 5 23 Gonzalez,F 5,239.30 21.20% 267.99 04/19/01 7,094.04
20 50 50 5 24 Hanchey,V 9,973.32 20.75% 319.74 06/25/01 10,370.00
20 50 50 5 25 Harris,S 9,405.47 20.31% 259.00 05/10/01 9,712.69
20 50 50 5 27 Iniguez,C 9,137.38 20.75% 298.31 05/21/01 9,675.00
20 50 50 5 28 Jacoby,M 14,946.38 20.31% 409.75 05/15/01 15,365.65
20 50 50 5 30 Lam,T 18,959.32 20.31% 525.99 01/19/01 19,724.81
20 50 50 5 32 Lopez,F 7,707.75 20.57% 315.39 05/15/01 8,350.20
20 50 50 5 36 Lyndes,T 4,858.02 20.66% 300.00 03/28/01 5,807.49
20 50 50 5 37 Manriquez,A 7,974.16 20.83% 318.49 05/28/01 8,400.00
20 50 50 5 38 Marotta,S 9,335.02 20.12% 302.62 07/26/01 10,611.58
20 50 50 5 39 Martin,M 10,968.86 19.91% 307.59 03/29/01 11,536.18
20 50 50 5 40 Mendoza,S 11,653.85 20.53% 355.97 03/14/01 12,482.17
20 50 50 5 42 Min,K 11,768.04 20.30% 386.33 07/15/01 12,529.88
20 50 50 5 44 Moya,S 13,689.04 20.31% 380.53 09/14/01 14,270.06
20 50 50 5 45 Munoz,M 10,152.18 20.83% 404.95 07/30/01 10,680.69
1
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 50 50 5 47 ORNELAS,G 12,047.12 19.92% 335.17 07/25/01 12,570.14
20 50 50 5 48 Paniagua,J 18,449.26 19.92% 493.52 07/25/01 18,508.44
20 50 50 5 49 Pierce,J 13,946.56 20.27% 442.92 08/18/01 14,430.00
20 50 50 5 50 Platten,S 6,953.19 20.61% 269.87 08/21/01 7,143.81
20 50 50 5 51 Prasad,D 19,294.18 20.75% 647.78 08/29/01 21,000.87
20 50 50 5 52 Pruitt,R 7,767.97 20.83% 342.18 09/14/01 9,025.01
20 50 50 5 53 Queme,G 11,196.02 20.27% 358.49 08/30/01 11,629.42
20 50 50 5 56 Rashdan,B 14,840.69 21.20% 593.57 09/19/01 15,712.35
20 50 50 5 57 Reeves,B 7,165.84 20.57% 285.42 02/13/01 7,620.21
20 50 50 5 59 Richardson,A 3,483.84 20.31% 191.42 03/10/01 3,750.00
20 50 50 5 60 Rickert,G 10,815.17 20.75% 356.25 03/14/01 11,554.17
20 50 50 5 62 Robles,A 6,055.27 20.65% 210.34 03/08/01 6,200.00
20 50 50 5 63 Robles,A 11,903.11 20.27% 380.90 01/25/01 12,356.42
20 50 50 5 64 Rodriguez,L 9,487.59 20.27% 308.36 01/25/01 10,003.26
20 50 50 5 65 Sanchez,L 7,200.05 21.00% 303.02 10/21/01 8,043.22
20 50 50 5 67 Sechrist,C 15,431.48 20.06% 425.82 09/27/01 15,919.20
20 50 50 5 68 Shetrone,R 14,708.39 20.12% 424.55 02/10/01 14,887.06
20 50 50 5 69 Soto,A 10,246.41 20.31% 280.71 06/04/01 10,526.67
20 50 50 5 70 Stewart,F 4,387.23 21.20% 175.97 02/16/01 4,658.04
20 50 50 5 71 Stewart,G 14,391.82 20.26% 452.35 07/18/01 14,675.00
20 50 50 5 74 Thomas,T 14,781.11 20.27% 462.50 03/14/01 15,000.00
20 50 50 5 78 Valdez,S 7,411.39 20.75% 300.73 07/15/01 8,009.50
20 50 50 5 80 Wacker,S 10,534.54 20.75% 347.27 07/10/01 11,262.81
20 50 50 5 81 Wallace,D 14,115.93 20.75% 455.53 07/19/01 14,775.01
20 50 50 5 87 Wood,A 4,636.83 21.07% 288.92 07/29/01 5,570.00
20 50 50 5 88 Wulff,C 8,109.63 20.65% 285.84 08/15/01 8,425.00
20 50 50 5 89 Zamora,J 11,325.32 20.75% 363.81 02/05/01 11,800.01
20 50 50 5 90 Willis,A 10,020.88 20.53% 298.50 02/28/01 10,467.13
20 50 50 5 91 Saucedo,M 2,553.29 20.46% 238.25 06/06/01 5,498.79
20 50 50 5 92 Slater,L 5,582.57 20.68% 319.02 05/25/01 6,174.27
20 50 50 5 93 Osoria,V 16,389.29 20.27% 529.71 06/30/01 17,180.33
20 50 50 5 94 Garcia,V 12,736.64 20.30% 353.05 06/12/01 13,242.00
20 50 50 5 95 Sherley,M 8,861.66 20.73% 334.51 06/01/01 10,852.01
20 50 50 5 97 Sill,S 6,530.08 21.00% 294.36 06/06/01 6,825.00
20 50 50 5 98 Roston,G 8,957.88 20.75% 286.73 05/30/01 9,300.00
20 50 50 5 99 Hesser,D 8,363.50 20.75% 283.90 06/21/01 9,205.17
20 50 50 5 100 Gibson,J 7,435.51 20.83% 322.65 06/01/01 8,509.65
20 50 50 5 101 Harvey,T 12,624.72 18.00% 333.18 06/28/01 13,026.19
20 50 50 5 104 Klingenberg,J 6,953.44 20.00% 222.05 08/08/01 7,297.00
20 50 50 5 105 Denmark,M 7,865.67 20.83% 328.42 10/08/01 8,662.43
20 50 50 5 106 Gonzalez,R 6,134.29 21.19% 264.21 08/13/01 6,993.80
20 50 50 5 107 Johnson,J 12,191.27 20.30% 382.95 07/29/01 12,420.06
20 50 50 5 109 Rueles,M 6,136.73 20.83% 257.01 04/09/01 6,778.69
20 50 50 5 110 Estrada,A 11,309.63 20.31% 311.20 06/03/01 11,670.26
20 50 50 5 111 Pulliam,L 9,270.30 20.75% 300.16 01/19/01 9,735.12
20 50 50 5 112 Wetzel,S 13,711.93 20.06% 371.35 04/01/01 13,883.00
20 50 50 5 113 Randolph,R 13,933.31 20.09% 397.72 08/15/01 13,947.20
20 50 50 5 114 Fuqua,W 10,372.46 20.26% 336.87 09/26/01 10,928.54
20 50 50 5 115 Atuakak,A 5,667.88 21.20% 224.56 03/01/01 5,944.29
20 50 50 5 116 Favello,T 9,446.76 20.85% 368.41 03/28/01 9,719.48
20 50 50 5 117 Escobar,J 8,031.17 20.98% 289.98 05/09/01 8,577.01
20 50 50 5 119 Banks,T 8,544.60 20.46% 277.23 06/01/01 8,962.02
20 50 50 5 120 Bates,M 9,259.60 20.83% 371.57 06/27/01 9,800.04
20 50 50 5 122 Fernandez,F 14,847.77 20.31% 404.98 06/15/01 15,187.57
20 50 50 5 123 Simmons,J 6,746.66 21.00% 305.63 06/15/01 7,025.01
20 50 50 5 124 Ballesteros,L 6,705.60 21.06% 457.50 06/22/01 6,950.46
20 50 50 5 125 Dang,T 12,820.98 20.48% 402.07 06/26/01 13,000.00
20 50 50 5 127 Cook,P 5,494.68 20.71% 247.12 06/27/01 5,702.99
20 50 50 5 128 Walter,W 6,374.92 21.17% 382.33 06/14/01 7,400.00
20 50 50 5 129 Anderson,S 8,495.58 20.98% 296.55 07/09/01 8,771.25
20 50 50 5 130 Malloy,M 8,109.95 21.20% 319.87 06/08/01 8,467.26
20 50 50 5 131 Sanchez,C 6,214.30 20.58% 252.67 12/28/00 6,688.76
20 50 50 5 134 Miller,J 6,345.89 20.62% 243.30 07/31/01 6,436.18
20 50 50 5 135 Brito,G 11,850.89 20.31% 324.03 04/30/01 12,151.21
20 50 50 5 138 Rial,O 10,106.04 20.27% 314.41 06/28/01 10,199.55
20 50 50 5 139 Stokes,L 4,917.52 20.98% 169.39 06/11/01 5,010.00
2
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 50 50 5 140 Toledano,A 11,800.42 20.27% 369.98 07/05/01 12,002.25
20 50 50 5 141 Carrillo,H 7,484.00 20.08% 291.68 06/04/01 7,777.20
20 50 50 5 142 Dakos,A 10,899.79 20.31% 297.47 05/30/01 11,155.20
20 50 50 5 143 Rivas,P 6,673.95 20.83% 257.16 05/27/01 6,841.32
20 50 50 5 144 Dungen,M 13,763.91 20.03% 379.91 05/09/01 14,212.09
20 50 50 5 145 Tello,I 5,739.45 21.11% 255.04 03/21/01 5,885.57
20 50 50 5 146 Spencer,S 8,933.40 20.47% 278.34 04/05/01 8,999.76
20 50 50 5 147 Garcia,H 16,474.84 20.53% 476.19 12/27/00 16,697.46
20 50 50 5 148 Jacinto,F 5,582.36 20.71% 244.59 03/25/01 5,644.41
20 50 50 5 149 Dunning,M 7,917.16 20.31% 245.84 04/05/01 7,967.92
20 50 50 5 150 Hood,R 7,630.91 21.00% 300.55 03/21/01 7,955.89
20 50 50 5 152 Hinsch,D 5,751.12 21.10% 226.66 04/10/01 6,000.01
20 50 50 5 153 Wilks,T 6,291.57 20.75% 196.13 02/09/01 6,361.14
20 50 50 5 154 Garcia,O 6,403.26 21.00% 246.51 02/02/01 6,525.37
20 50 50 5 156 Slease,B 13,686.70 20.31% 368.03 01/16/01 13,801.31
20 50 50 5 158 Marroquin,J 8,621.19 20.31% 231.95 07/29/01 8,698.31
20 50 50 5 159 Milton,J 7,165.30 20.98% 246.19 08/19/01 7,281.74
20 50 50 5 160 Vega,V 4,473.56 21.55% 249.34 07/29/01 4,826.66
20 50 50 5 161 Powell,D 3,047.17 21.20% 118.10 02/01/01 3,126.22
20 50 50 5 162 Barajas,E 11,285.33 20.75% 366.91 08/07/01 11,900.00
20 50 50 5 163 Garrison,M 6,364.07 20.97% 218.89 08/15/01 6,475.08
20 50 50 5 165 Clay,R 5,785.49 21.20% 257.81 09/05/01 5,950.00
20 50 50 5 166 Davis,W 13,576.55 20.62% 425.92 08/04/01 13,844.66
20 50 50 8 9 Carrasco,L 12,614.76 20.31% 342.13 09/04/01 12,830.19
20 50 50 8 12 Curd,R 12,472.31 20.27% 402.60 09/30/01 13,057.36
20 50 50 8 29 Johnson,R 16,421.00 20.31% 445.91 10/01/01 16,721.95
20 50 50 8 34 Lopez,R 5,446.48 20.53% 158.88 10/04/01 5,571.62
20 50 50 8 35 Lovelady,T 11,953.46 20.61% 487.77 09/14/01 12,911.76
20 50 50 8 61 Rivera,M 12,446.37 20.43% 437.65 07/28/01 12,945.29
20 50 50 8 73 Tessensohn,M 6,721.27 21.18% 269.89 10/01/01 7,145.62
20 70 70 5 3 Tyson,T 4,632.83 19.00% 252.04 09/24/01 5,000.00
20 70 70 5 4 Divinere,D 5,644.93 19.00% 317.50 09/25/01 6,298.50
20 90 90 2 79 Belangia,R 18,493.95 17.00% 481.43 10/16/01 19,371.51
20 90 90 2 89 Graddick,N 16,645.56 17.00% 425.94 05/29/01 17,139.00
20 90 90 3 39 Mitchell,J 12,937.77 17.00% 351.10 02/02/01 14,082.84
20 90 90 3 51 Walthour,B 18,449.51 17.00% 454.48 04/10/01 19,573.28 B
20 90 90 3 62 Olszewski,A 13,192.23 17.00% 350.97 07/22/01 14,121.85
20 90 90 3 64 Rodriguez,I 13,487.95 17.00% 352.34 07/23/01 14,177.15
20 90 90 3 65 Caamano,R 13,345.09 17.00% 350.62 08/23/01 14,107.89
20 90 90 3 66 Hernandez,H 12,559.85 17.00% 330.00 09/30/01 13,278.11
20 90 90 3 72 Liberatore,W 12,749.62 17.00% 331.44 09/16/01 13,335.89
20 90 90 3 75 Michel,M 13,888.74 17.00% 358.98 09/18/01 14,444.20
20 90 90 3 76 Reguro,J 14,353.03 17.00% 371.49 09/24/01 14,947.53
20 90 90 3 77 Miller,J 18,147.84 17.00% 468.38 09/21/01 18,846.56
20 90 90 3 84 Ronk,M 14,803.04 17.00% 378.38 09/23/01 15,225.34
20 90 90 3 91 Burgess,M 12,244.85 17.00% 308.86 09/25/01 12,427.74
20 90 90 3 99 Youman,T 16,002.51 17.00% 407.35 09/27/01 16,390.69
20 90 90 4 61 Hawkins,J 14,078.40 18.80% 383.64 03/01/01 14,852.63
20 90 90 5 35 Henderson,C 8,924.09 18.50% 318.28 10/09/01 10,739.81
20 90 90 5 40 McCoy,T 11,837.25 17.00% 325.72 06/29/01 13,104.73
20 90 90 5 42 Barnes,Y 3,505.83 28.00% 202.00 03/11/01 4,290.04
20 90 90 5 43 Dockery,S 3,697.93 25.00% 215.49 03/24/01 4,742.12
20 90 90 5 44 King,B 7,277.88 24.00% 335.26 04/19/01 8,467.19
20 90 90 5 48 Murray,R 11,535.26 18.50% 373.52 05/10/01 12,603.47
20 90 90 5 52 Wilson,J 10,733.86 18.50% 322.63 05/10/01 11,676.94
20 90 90 5 53 Seward,D 10,995.43 18.80% 301.59 05/29/01 11,584.99
20 90 90 5 54 Hermsen,M 11,853.05 22.00% 403.92 06/25/01 12,820.80
20 90 90 5 57 Roland,L 5,864.16 25.00% 263.00 06/30/01 6,614.94
20 90 90 5 60 Wilson,M 10,375.23 19.19% 340.59 09/04/01 11,353.21
20 90 90 5 63 Davis,W 5,683.68 25.00% 250.55 09/16/01 6,302.15
20 90 90 5 68 Varney,M 10,379.26 22.00% 390.29 09/23/01 11,362.81
20 90 90 5 69 Ramella,G 15,068.73 19.19% 487.37 05/04/01 16,245.69
20 90 90 5 70 Thorpe,J 14,520.80 18.80% 390.16 09/14/01 15,105.08
20 90 90 5 73 Mykytiuk,J 11,356.77 19.00% 339.75 09/15/01 12,271.05
20 90 90 5 74 Baier,D 23,867.25 18.50% 634.29 04/28/01 24,713.20
20 90 90 5 78 Mcnally,C 6,190.64 25.00% 308.07 09/12/01 6,821.48
3
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 90 90 5 80 Jackson,J 12,519.43 18.50% 359.70 09/14/01 13,119.04
20 90 90 5 81 Braswell,M 9,671.55 22.00% 356.43 10/01/01 10,377.13
20 90 90 5 83 Moore,D 8,722.91 22.00% 327.86 09/25/01 9,545.40
20 90 90 5 88 Manning,J 14,003.32 18.50% 433.86 04/22/01 14,639.37
20 90 90 5 92 Caamano,I 11,674.31 25.00% 472.78 04/15/01 11,768.49
20 90 90 5 95 Schoonover,K 6,196.58 28.00% 265.27 10/08/01 6,413.25
20 90 90 5 96 Cika,R 8,087.23 25.00% 295.56 04/06/01 8,219.53
20 90 90 5 97 Roach,A 8,368.84 18.50% 261.13 09/30/01 8,811.05
20 90 90 5 98 Fagen,M 14,954.43 22.00% 524.95 10/11/01 15,283.13
20 90 90 5 100 Butkiewicz,T 8,325.06 22.00% 309.54 10/14/01 9,011.94
20 90 90 5 102 Stephens,M 7,755.61 25.00% 367.63 10/30/01 8,140.14
20 90 90 5 103 Iles,C 11,529.78 22.00% 363.26 04/01/01 11,529.78
20 90 90 5 104 Sandidge,T 8,050.01 25.00% 292.24 08/23/01 8,050.01
20 90 90 7 49 Coley,M 19,058.97 17.00% 512.16 08/02/01 20,608.18
20 90 90 7 55 Sokol,V 10,532.53 17.60% 336.41 08/29/01 11,534.52
20 90 90 7 67 Alligood,T 19,737.61 17.00% 529.62 03/20/01 21,308.98
20 90 90 7 82 Heaton,J 13,393.34 17.00% 347.46 10/21/01 13,980.92
20 90 90 8 93 Willett,W 16,103.84 18.50% 418.37 09/01/01 16,300.72
20 100 100 1 1602 Chamberlain,G 21,612.00 17.00% 600.56 09/01/01 23,995.00
20 100 100 1 1626 Meeler,C 11,910.44 17.00% 327.67 08/14/01 13,184.94
20 100 100 1 1766 Boyd,L 13,703.84 17.00% 369.32 08/09/01 14,756.00
20 100 100 1 1796 Adams,K 18,550.90 17.00% 505.75 08/01/01 20,207.43
20 100 100 1 2047 Zachary,A 17,513.46 17.00% 433.95 08/02/01 18,667.08 B
20 100 100 1 2116 Crittendton,B 11,979.17 17.00% 317.56 07/17/01 12,777.68
20 100 100 1 2138 Maddox,H 22,423.83 17.00% 553.63 07/25/01 23,586.22 B
20 100 100 1 2209 Fussell,D 20,899.83 17.00% 550.50 06/25/01 22,150.52
20 100 100 1 2243 Hendrick,L 12,992.45 17.00% 341.39 05/24/01 13,710.56
20 100 100 1 2281 Winkfield,D 18,705.89 17.00% 485.78 07/15/01 19,546.55
20 100 100 1 2282 Brown,P 18,518.22 17.00% 481.41 07/20/01 19,370.45
20 100 100 1 2300 Malcolm,T 13,017.55 17.00% 337.38 07/15/01 13,575.20
20 100 100 1 2309 Collins,T 14,202.35 17.00% 366.71 07/09/01 14,755.45
20 100 100 1 2409 Dubois,S 16,393.03 17.00% 418.40 06/23/01 16,835.48
20 100 100 1 2471 Headen,G 15,122.40 17.75% 393.75 07/01/01 15,589.30
20 100 100 1 2487 Roney,S 15,180.30 17.00% 383.88 06/05/01 15,446.45
20 100 100 1 2488 Douglas,P 15,229.03 17.00% 383.00 06/26/01 15,411.06
20 100 100 1 2530 Brantley,R 18,860.98 17.00% 479.00 07/15/01 19,273.59
20 100 100 2 27 Dowell,T 14,290.17 17.00% 498.91 06/25/01 20,075.00
20 100 100 2 1041 Ware,D 22,034.73 15.52% 552.81 08/17/01 25,000.00 B
20 100 100 2 1346 Turner,R 14,474.84 17.00% 419.95 05/23/01 16,780.72
20 100 100 2 1711 Warrior,B 15,621.44 17.00% 431.35 06/09/01 17,359.97
20 100 100 2 1746 Wiggins,A 17,550.38 17.00% 432.93 05/16/01 18,582.75 B
20 100 100 2 1772 Kimbrough,C 14,116.00 17.00% 381.71 06/08/01 15,301.65
20 100 100 2 1803 White,H 13,031.99 17.00% 350.00 06/21/01 13,985.58
20 100 100 2 1835 Nicholson,T 12,467.13 17.00% 370.00 06/19/01 13,801.23
20 100 100 2 1836 Brown,K 23,448.83 17.00% 588.30 06/06/01 25,355.00 B
20 100 100 2 1876 Solomon,E 11,636.35 19.00% 356.80 06/12/01 12,787.16
20 100 100 2 2082 Finley,R 13,459.30 17.00% 360.32 04/30/01 14,398.00
20 100 100 2 2090 White,G 12,372.33 17.00% 327.51 05/17/01 13,178.46
20 100 100 2 2182 Taylor,D 14,287.75 17.00% 365.20 07/02/01 14,593.00
20 100 100 2 2196 Darmohray,D 13,647.51 17.00% 356.85 04/20/01 14,358.75
20 100 100 2 2207 Rosa,V 15,219.62 17.00% 399.00 05/07/01 15,941.91
20 100 100 2 2212 Cornelius,D 12,258.64 17.00% 318.51 04/17/01 12,727.24
20 100 100 2 2262 Settles,L 14,624.82 17.00% 380.72 03/17/01 15,211.75
20 100 100 2 2275 Harper,S 16,159.08 17.00% 420.47 01/19/01 16,801.23
20 100 100 2 2277 Graciale,J 15,414.78 17.00% 399.00 05/15/01 15,942.00
20 100 100 2 2279 Gates,S 18,187.78 17.00% 477.61 02/07/01 19,218.06
20 100 100 2 2280 Yearwood,I 19,544.72 17.00% 467.73 06/28/01 20,123.96 B
20 100 100 2 2316 McFarlin,A 9,633.86 17.00% 245.20 10/30/01 9,797.00
20 100 100 2 2320 Ross,T 14,451.81 17.00% 370.05 07/14/01 14,786.53
20 100 100 2 2321 Cochran,G 18,880.58 17.00% 490.01 08/10/01 19,578.34
20 100 100 2 2322 Hamby,P 16,714.96 17.00% 424.78 08/01/01 16,971.90
20 100 100 2 2345 Redding,A 14,271.54 17.00% 369.99 08/16/01 14,784.38
20 100 100 2 2356 Callaway,E 14,411.33 17.00% 363.12 03/12/01 14,610.80
20 100 100 2 2360 Glass,M 14,508.83 17.00% 363.10 10/08/01 14,508.83
20 100 100 2 2364 Taylor,L 13,036.43 17.00% 330.35 01/25/01 13,200.18
20 100 100 2 2382 Bates,D 19,127.48 17.00% 488.99 09/30/01 19,676.00
4
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 100 100 2 2406 Anderson,R 13,615.45 17.00% 347.24 08/14/01 13,972.17
20 100 100 2 2438 Sutton,J 14,406.23 17.00% 369.55 07/27/01 14,869.74
20 100 100 2 2462 Madden,H 17,174.48 17.00% 439.53 07/15/01 17,685.74
20 100 100 2 2491 Money,M 13,446.83 17.00% 341.05 07/14/01 13,634.35
20 100 100 2 2494 Ayers,S 15,495.70 17.00% 385.10 08/25/01 15,495.70
20 100 100 2 2501 Cater,J 14,765.65 17.00% 382.52 07/12/01 15,391.70
20 100 100 2 2526 Pritchett,M 12,673.55 17.00% 318.18 05/21/01 12,802.74
20 100 100 2 2542 Madison,W 19,771.71 17.00% 499.98 09/13/01 20,117.96
20 100 100 2 2561 Webb,D 18,610.53 17.00% 472.15 08/13/01 18,998.23
20 100 100 2 2582 Thacker,L 12,999.99 17.00% 325.37 09/10/01 12,999.99
20 100 100 2 2611 Lindsey,D 18,328.26 17.00% 458.73 06/19/01 18,328.26
20 100 100 2 2621 Spealgle,C 17,421.80 17.00% 435.42 07/04/01 17,421.80
20 100 100 2 2664 Albert,L 23,570.88 17.00% 585.79 08/15/01 23,570.88
20 100 100 2 2671 Sistrunk,B 23,469.34 17.00% 583.26 08/17/01 23,469.34
20 100 100 2 2672 Connally,J 13,195.18 17.00% 327.93 09/15/01 13,195.18
20 100 100 2 2683 White,C 18,337.96 17.00% 455.74 06/16/01 18,337.96
20 100 100 2 2688 Vance,J 12,907.97 17.00% 320.79 05/16/01 12,907.97
20 100 100 3 1192 Burt,S 12,679.50 17.00% 325.99 07/03/01 14,260.33 B
20 100 100 3 1447 Sewell,T 23,271.54 17.00% 597.09 06/26/01 25,584.02 B
20 100 100 3 1703 Daniels,R 13,100.54 17.00% 357.21 06/07/01 14,306.90
20 100 100 3 1720 Davis,A 16,353.70 17.50% 448.10 06/05/01 17,836.93
20 100 100 3 1739 Poore,M 14,658.94 17.00% 398.71 06/05/01 15,930.48
20 100 100 3 1741 Allen,J 14,656.67 17.00% 398.83 06/15/01 15,935.05
20 100 100 3 1742 Bartenfield,E 12,574.11 17.00% 333.89 06/07/01 13,340.45
20 100 100 3 1754 Goodson,M 24,264.69 17.00% 659.64 05/24/01 26,355.25
20 100 100 3 1765 Holmes,L 18,752.47 17.00% 500.61 07/12/01 19,983.00
20 100 100 3 1778 Brindle,M 12,410.90 17.00% 368.71 05/23/01 13,753.01
20 100 100 3 1829 Lewis,S 16,284.13 17.00% 438.06 05/12/01 17,504.40
20 100 100 3 1840 Brown,V 19,134.33 17.00% 521.85 05/17/01 20,850.13
20 100 100 3 1882 Pitman,H 16,321.78 17.00% 444.44 05/18/01 17,883.34
20 100 100 3 1933 Williams,F 14,903.61 17.00% 399.98 05/05/01 15,980.99
20 100 100 3 2087 Daniels,R 18,418.13 17.00% 489.44 05/01/01 19,555.34
20 100 100 3 2105 Fordham,T 19,056.76 17.00% 504.36 05/13/01 20,293.94
20 100 100 3 2128 Bomar,M 15,245.58 17.00% 405.22 07/17/01 16,304.95
20 100 100 3 2132 Lewis,E 19,684.08 17.00% 528.71 07/21/01 21,273.88
20 100 100 3 2133 Dawson,J 13,290.84 17.00% 353.57 06/28/01 14,226.96
20 100 100 3 2137 Lawson,L 15,538.11 17.00% 410.00 05/14/00 16,497.48
20 100 100 3 2170 Shakoor,A 16,692.53 17.00% 443.90 08/01/01 17,861.35
20 100 100 3 2175 Luckett,P 14,980.26 17.00% 393.85 09/16/01 15,736.00
20 100 100 3 2188 NicholsonJR,J 17,879.10 17.00% 474.64 09/03/01 19,098.39
20 100 100 3 2206 Bookman,L 12,381.54 17.00% 325.00 09/16/01 12,986.72
20 100 100 3 2211 Latimer,S 23,665.45 17.00% 613.66 08/27/01 24,692.30
20 100 100 3 2221 Motta,E 18,920.92 17.00% 506.66 09/08/01 20,394.87
20 100 100 3 2222 Smith,K 14,008.33 17.00% 367.23 07/10/01 14,776.48
20 100 100 3 2230 Davis,C 17,856.46 17.00% 469.64 08/06/01 18,766.07
20 100 100 3 2249 Davis,J 14,977.69 17.00% 389.22 08/03/01 15,617.15
20 100 100 3 2256 Thomas,S 19,241.74 17.00% 489.46 07/08/01 19,556.20
20 100 100 3 2259 Levi,H 13,968.38 17.00% 361.92 07/12/01 14,461.65
20 100 100 3 2272 Gendron,S 16,094.29 17.00% 422.26 07/19/01 16,991.00
20 100 100 3 2273 Revere,W 14,615.34 17.00% 379.45 08/06/01 15,162.38
20 100 100 3 2274 Monroe,M 16,253.73 17.00% 426.62 07/25/01 17,166.31
20 100 100 3 2292 Hall,A 17,018.20 17.00% 439.27 07/13/01 17,666.79
20 100 100 3 2340 RussJR,E 14,165.42 17.00% 366.82 07/11/01 14,759.90
20 100 100 3 2349 Bolton,J 17,671.64 17.00% 457.52 07/12/01 18,409.54
20 100 100 3 2362 Millican,C 17,278.68 17.00% 449.81 06/21/01 18,099.17
20 100 100 3 2371 Tucker,R 15,557.50 17.00% 399.98 04/30/01 15,980.99
20 100 100 3 2402 Smith,K 13,528.91 17.00% 340.19 04/18/01 13,593.65
20 100 100 3 2440 Smith,J 21,546.00 17.00% 544.15 03/28/01 21,895.18
20 100 100 3 2457 Rogers,T 18,201.47 17.00% 468.74 08/18/01 18,861.07
20 100 100 3 2505 Oliver,T 14,717.51 17.00% 375.69 09/06/01 15,116.92
20 100 100 3 2513 Terry,R 13,057.71 17.00% 331.90 09/22/01 13,354.78
20 100 100 3 2514 Harleston,C 23,584.65 17.00% 598.39 10/03/01 24,077.86
20 100 100 3 2545 Ballew,D 20,331.58 17.00% 517.09 09/12/01 20,806.43
20 100 100 3 2551 Lane,E 28,575.07 17.00% 717.64 09/13/01 28,875.80
20 100 100 3 2571 Land,J 14,635.99 17.00% 368.61 09/21/01 14,831.90
20 100 100 3 2578 Taylor,J 13,438.75 17.00% 337.50 09/17/01 13,580.18
5
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 100 100 3 2593 Morgan,O 25,429.00 17.00% 639.24 09/12/01 25,721.59
20 100 100 3 2625 Smith,R 13,518.20 17.00% 335.96 08/20/01 13,518.20
20 100 100 3 2628 Lawrence,P 23,198.69 17.00% 582.61 09/10/01 23,442.83
20 100 100 3 2633 Jones,A 17,126.20 17.00% 425.63 10/03/01 17,126.20
20 100 100 3 2635 Watson,T 27,678.16 17.00% 687.87 09/08/01 27,678.16
20 100 100 3 2641 Solomon,B 25,667.19 17.00% 637.89 09/08/01 25,667.19
20 100 100 3 2644 Roberts,L 10,289.55 17.00% 255.72 08/11/01 10,289.55
20 100 100 3 2647 Price,S 12,432.38 17.00% 308.97 09/01/01 12,432.38
20 100 100 3 2653 Thompson,D 15,444.01 17.00% 383.82 09/12/01 15,444.01
20 100 100 3 2666 Atkins,N 17,157.49 17.00% 426.46 08/18/01 17,157.49
20 100 100 3 2679 Parker,T 16,916.41 17.00% 420.42 09/01/01 16,916.41
20 100 100 3 2685 Jones,W 17,151.47 17.00% 426.25 10/09/01 17,151.47
20 100 100 4 1705 Miller,L 8,102.58 22.00% 325.93 07/30/01 9,402.65
20 100 100 4 1723 Davidson,R 13,800.95 18.50% 419.40 10/02/01 15,178.94
20 100 100 4 1750 Oliver,K 14,569.34 17.00% 393.03 04/09/01 15,703.50
20 100 100 4 1757 Reese,R 12,295.90 18.50% 377.18 02/25/01 13,652.85
20 100 100 4 1786 Parris,W 12,239.96 19.00% 375.43 04/06/01 13,453.18
20 100 100 4 1834 Pitts,L 13,977.68 18.50% 468.02 04/19/01 15,800.00
20 100 100 4 1844 Kirkbright,A 11,415.24 18.50% 346.83 03/27/01 12,578.58
20 100 100 4 1867 Mutchler,N 14,435.50 17.00% 393.80 03/24/01 15,733.94
20 100 100 4 1930 Carter,B 16,546.71 18.50% 494.95 03/14/01 17,913.32
20 100 100 4 1956 Jennings,D 15,156.49 18.50% 499.96 03/28/01 16,878.11
20 100 100 4 1958 Smith,J 13,241.21 18.50% 398.14 03/03/01 14,409.98
20 100 100 4 2210 Steele,J 13,486.12 22.00% 496.84 02/14/01 14,464.88
20 100 100 4 2247 Boyd,L 8,584.39 22.00% 289.38 05/20/01 9,184.95
20 100 100 4 2263 Jajko,R 12,560.96 18.50% 339.99 10/02/01 13,246.81
20 100 100 4 2289 Corey,J 14,881.94 18.50% 425.46 07/27/01 15,517.20
20 100 100 4 2294 Fortson,M 5,273.77 28.00% 272.56 02/08/01 5,833.53
20 100 100 4 2319 Thomas,D 18,249.49 18.50% 485.03 07/11/01 18,897.45
20 100 100 4 2377 Sanders,S 15,767.68 18.50% 447.88 10/18/01 16,334.95
20 100 100 4 2475 Anderson,S 13,456.64 18.50% 348.00 10/26/01 13,456.64
20 100 100 4 2483 Gaddis,W 11,520.54 18.50% 348.06 10/19/01 11,744.08
20 100 100 4 2520 Cook,A 10,375.80 17.00% 303.25 10/18/01 10,445.53
20 100 100 4 2588 Roberson,J 18,107.33 18.50% 467.26 07/05/01 18,205.50
20 100 100 4 2591 Hollis,L 14,194.11 18.50% 425.29 02/27/01 14,350.00
20 100 100 5 249 Mills,N 8,760.25 18.50% 316.69 07/06/01 11,550.03
20 100 100 5 532 Rary,P 5,893.64 22.00% 278.70 08/01/01 8,114.00
20 100 100 5 609 Jonas,M 10,826.53 18.50% 368.42 02/11/01 13,436.87
20 100 100 5 701 Williams,L 7,846.37 18.50% 270.00 06/05/01 9,773.04
20 100 100 5 966 Jackson,D 10,626.46 18.50% 357.47 04/17/01 13,037.51
20 100 100 5 1049 Burns,J 12,897.82 16.79% 371.27 04/16/01 15,087.82 B
20 100 100 5 1227 Huff,L 17,989.97 17.00% 519.10 04/18/01 20,887.23
20 100 100 5 1230 Jones,J 19,163.09 19.00% 619.00 04/18/01 22,584.17 B
20 100 100 5 1240 Vitkus,J 14,710.29 18.50% 425.68 05/16/01 16,560.00 B
20 100 100 5 1323 Ogletree,S 15,590.96 18.50% 493.05 03/30/01 17,982.50
20 100 100 5 1572 Giles,A 5,264.89 17.00% 306.58 06/11/01 7,402.34
20 100 100 5 1585 Gavins,M 5,947.47 25.00% 348.18 05/26/01 7,704.22
20 100 100 5 1593 Waller,T 12,229.00 17.00% 334.91 06/19/01 13,476.00
20 100 100 5 1613 Sherrod,R 11,977.54 22.00% 479.85 07/05/01 13,945.13
20 100 100 5 1692 Bell,M 10,847.27 18.50% 336.86 06/24/01 12,286.00
20 100 100 5 1695 Dewberry,J 10,960.30 18.50% 335.79 05/08/01 12,246.95
20 100 100 5 1696 Haynie,P 10,010.17 18.50% 300.00 06/19/01 10,941.44
20 100 100 5 1697 Steele,J 13,043.99 18.50% 390.49 07/08/01 14,242.00
20 100 100 5 1698 Wilson,S 16,136.98 18.50% 498.56 03/10/01 18,183.27
20 100 100 5 1699 Brock,T 4,858.43 28.00% 340.95 07/30/01 6,140.20
20 100 100 5 1700 Tyler,J 7,154.03 22.00% 288.65 05/22/01 8,403.63
20 100 100 5 1702 Roach,L 8,564.17 22.00% 338.94 06/10/01 9,784.28
20 100 100 5 1706 Harris,O 14,874.10 18.50% 460.00 06/17/01 16,650.33
20 100 100 5 1707 Robbins,R 3,804.67 28.00% 284.65 10/29/01 5,186.01
20 100 100 5 1708 Felder,D 10,920.08 18.50% 337.52 09/28/01 12,312.48
20 100 100 5 1709 Little,M 11,039.50 18.50% 308.35 10/02/01 11,923.55
20 100 100 5 1710 Carsweel,G 8,659.68 18.50% 245.81 01/10/01 9,577.48
20 100 100 5 1712 Haroer,P 12,044.46 18.50% 404.24 01/25/01 13,626.05
20 100 100 5 1714 Tate,B 8,170.86 18.50% 279.21 09/04/01 9,421.00
20 100 100 5 1715 Liller,J 5,378.78 25.00% 253.96 02/20/01 6,321.75
20 100 100 5 1716 Carr,E 6,951.26 22.00% 326.93 03/07/01 8,560.70
6
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 100 100 5 1717 Wilkes,V 6,922.25 22.00% 281.38 09/14/01 8,119.04
20 100 100 5 1718 Brewer,K 12,282.93 18.50% 361.70 08/28/01 13,092.36
20 100 100 5 1721 McBroom,C 15,153.53 18.50% 461.10 07/07/01 16,688.35
20 100 100 5 1725 McRae,M 3,731.06 25.00% 182.32 06/29/01 4,585.73
20 100 100 5 1726 MADDOX,J 10,188.51 18.50% 315.31 06/20/01 11,413.47
20 100 100 5 1729 Akins,V 12,046.30 18.50% 366.70 07/27/01 13,278.76
20 100 100 5 1732 Strother,J 12,725.99 18.50% 352.35 07/30/01 13,699.99
20 100 100 5 1734 Rhymer,L 16,924.71 17.50% 491.88 06/29/01 18,164.95
20 100 100 5 1735 Jackson,J 10,725.29 17.00% 292.83 08/14/01 11,701.34
20 100 100 5 1737 Golden,K 9,243.51 18.50% 285.33 08/04/01 10,326.95
20 100 100 5 1740 Kinard,C 9,224.73 18.50% 308.75 08/11/01 10,339.45
20 100 100 5 1744 Justine,W 18,516.08 18.50% 556.54 05/27/01 20,298.00
20 100 100 5 1747 Matthews,T 13,679.35 18.50% 468.58 01/27/01 15,810.70
20 100 100 5 1751 Miles,D 10,468.46 18.50% 318.91 10/04/01 11,631.23
20 100 100 5 1753 Johnson,N 10,590.01 17.00% 284.87 03/21/01 11,403.36
20 100 100 5 1755 Sims,R 20,041.94 17.00% 544.41 05/10/01 21,751.56
20 100 100 5 1758 Robinson,P 17,282.03 18.50% 476.07 05/06/01 18,409.00
20 100 100 5 1759 Woltz,T 17,222.22 18.50% 518.92 02/22/01 18,781.13
20 100 100 5 1760 Burns,H 12,420.86 18.50% 338.99 03/13/01 13,106.68
20 100 100 5 1762 Tensley,C 10,582.94 18.50% 288.07 07/02/01 11,139.48
20 100 100 5 1764 Moody,E 11,602.88 18.50% 373.49 02/23/01 13,621.70
20 100 100 5 1767 Henderson,T 9,677.72 18.50% 325.00 01/11/01 10,883.37
20 100 100 5 1768 Fisher,S 11,619.00 18.50% 359.90 05/23/01 13,025.63
20 100 100 5 1769 Lee,G 18,370.81 18.50% 549.87 07/10/01 19,982.99
20 100 100 5 1770 Bryant,D 10,063.00 18.50% 306.13 10/04/01 11,165.35
20 100 100 5 1771 Howard,D 14,205.77 18.50% 423.22 09/30/01 15,317.86
20 100 100 5 1774 Powell,R 3,064.50 28.00% 228.43 10/10/01 4,113.81
20 100 100 5 1775 Bacon,M 5,351.46 25.00% 254.36 10/02/01 6,397.47
20 100 100 5 1779 Daniels,E 8,591.02 22.00% 341.08 09/23/01 9,839.84
20 100 100 5 1783 Knox,L 10,676.64 22.50% 427.35 09/18/01 12,232.00
20 100 100 5 1784 Johnson,M 12,033.84 22.00% 426.99 08/15/01 13,429.58
20 100 100 5 1785 SpurlockIII,C 6,319.20 25.00% 347.41 09/06/01 7,634.10
20 100 100 5 1787 Frink,P 9,486.88 18.50% 288.23 08/13/01 10,437.35
20 100 100 5 1798 Bolden,W 7,104.91 25.00% 324.44 11/10/00 8,126.71
20 100 100 5 1838 Patton,L 12,493.79 18.50% 380.00 07/17/01 13,859.10
20 100 100 5 1846 Granger,N 14,805.79 18.50% 451.22 03/21/01 16,330.75
20 100 100 5 1847 Still,C 14,495.02 18.50% 398.89 08/04/01 15,422.64
20 100 100 5 1851 Welch,J 10,959.97 18.50% 332.55 05/30/01 12,128.52
20 100 100 5 1853 Sizemore,P 10,828.44 18.50% 331.31 05/24/01 11,990.93
20 100 100 5 1854 Barnes,S 10,929.66 18.50% 324.56 04/24/01 11,789.05
20 100 100 5 1866 Young,D 12,137.56 18.50% 408.83 04/24/01 13,794.74
20 100 100 5 1870 Wagner,E 10,731.19 18.50% 354.75 06/09/01 11,878.36
20 100 100 5 1874 Gaston,L 11,399.20 18.50% 375.97 04/13/01 12,588.97
20 100 100 5 1875 Allen,P 7,376.33 22.00% 291.37 04/15/01 8,482.95
20 100 100 5 1885 Scott,V 10,861.92 18.50% 362.30 05/24/01 12,224.57
20 100 100 5 1887 Medley,T 12,833.02 18.50% 389.32 07/05/01 14,202.27
20 100 100 5 1894 Young,W 19,142.83 18.50% 538.87 09/14/01 20,995.39
20 100 100 5 1896 Montooth,D 14,931.89 18.50% 448.92 08/26/01 16,330.87
20 100 100 5 1898 Morris,N 18,329.67 18.50% 534.11 08/30/01 19,330.81
20 100 100 5 1902 Boyles,S 9,808.54 18.50% 261.30 09/10/01 10,516.79 B
20 100 100 5 1911 Lemon,J 13,177.32 17.00% 354.27 08/20/01 14,155.03
20 100 100 5 1914 Slaughter,D 12,461.73 17.00% 336.33 08/27/01 13,439.30
20 100 100 5 1931 Spear,V 13,222.95 18.50% 395.99 07/28/01 14,331.78
20 100 100 5 1932 Lupo,B 9,975.39 18.50% 299.06 08/08/01 10,907.18
20 100 100 5 1938 Wyatt,A 13,065.14 18.50% 398.86 08/14/01 14,547.18
20 100 100 5 1945 Tinsley,J 12,912.66 18.50% 384.73 10/13/01 13,959.98
20 100 100 5 1955 Baker,C 9,987.72 18.50% 298.51 09/03/01 10,887.40
20 100 100 5 1960 Trepagnier,G 13,551.08 18.50% 397.50 05/03/01 14,386.78
20 100 100 5 1962 Dean,J 12,002.00 18.50% 349.54 05/30/01 12,651.00
20 100 100 5 1989 Grigsby,K 16,832.25 18.50% 480.00 02/15/01 17,745.72 B
20 100 100 5 2083 Wiley,L 9,391.06 22.00% 351.92 08/20/01 10,154.03
20 100 100 5 2084 Talley,J 12,185.92 18.50% 350.00 10/13/01 12,668.91
20 100 100 5 2085 Truett,J 15,345.44 18.50% 444.17 06/26/01 16,075.75
20 100 100 5 2088 Reddick,T 9,968.01 18.50% 294.70 02/15/01 10,671.60
20 100 100 5 2089 Swanson,B 8,683.87 18.50% 281.97 09/04/01 9,441.40
20 100 100 5 2092 Dodson,E 13,209.36 18.50% 425.00 09/14/01 14,340.42
7
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 100 100 5 2093 McKenzie,G 9,711.53 18.50% 264.36 02/04/01 10,300.00
20 100 100 5 2095 Pope,B 13,516.41 18.50% 369.47 03/27/01 14,285.37
20 100 100 5 2096 Shields,M 15,210.21 18.50% 478.81 09/27/01 16,034.04
20 100 100 5 2097 Forman,D 9,617.05 18.50% 311.15 06/18/01 10,498.79
20 100 100 5 2098 Benton,B 14,974.15 18.50% 441.62 07/04/01 15,985.40
20 100 100 5 2099 Young,E 7,275.89 18.50% 223.99 07/04/01 7,870.71
20 100 100 5 2100 Barrett,S 18,530.96 18.50% 493.85 06/27/01 19,094.13
20 100 100 5 2101 Arp,R 8,711.19 25.00% 391.52 06/29/01 9,745.62
20 100 100 5 2104 Hooks,E 13,589.42 18.50% 406.21 04/08/01 14,815.09
20 100 100 5 2106 Covington,S 11,080.79 18.50% 327.99 05/22/01 11,962.44
20 100 100 5 2109 Sipe,C 7,874.87 22.00% 300.00 05/08/01 8,734.12
20 100 100 5 2111 Haymans,E 10,408.39 20.50% 319.28 08/23/01 11,201.92
20 100 100 5 2114 Bursley,K 10,923.66 18.50% 354.00 09/06/01 11,853.36
20 100 100 5 2117 McRae,H 12,914.50 18.50% 369.80 09/28/01 13,459.82
20 100 100 5 2123 Ehmke,D 10,482.34 18.50% 310.00 07/04/01 11,306.21
20 100 100 5 2127 SORENSON,S 9,621.30 18.50% 284.94 06/19/01 10,392.40
20 100 100 5 2129 Davis,R 14,759.94 18.50% 398.88 07/09/01 15,422.50
20 100 100 5 2130 BerryJR,J 12,174.96 18.50% 390.26 04/14/01 13,168.25
20 100 100 5 2134 Pander,C 11,263.37 25.00% 496.80 06/04/01 12,366.24
20 100 100 5 2135 Mctaggart,T 8,134.27 25.00% 317.76 08/12/01 8,837.00
20 100 100 5 2139 Maloney,J 12,292.32 18.50% 400.00 08/25/01 13,496.75
20 100 100 5 2141 Person,P 13,992.60 18.50% 374.89 06/16/01 14,494.71
20 100 100 5 2142 Rommel,W 9,396.58 18.50% 298.36 07/15/00 10,000.00
20 100 100 5 2151 Hall,W 8,004.21 25.00% 359.76 08/22/01 9,048.34
20 100 100 5 2153 Blocker,S 12,145.49 18.50% 333.40 02/11/01 12,989.87
20 100 100 5 2163 Riley,R 6,223.67 25.00% 280.25 07/14/01 7,048.62
20 100 100 5 2164 Goolsby,F 11,106.02 18.50% 316.81 06/26/00 11,466.18
20 100 100 5 2166 Jones,B 8,006.73 18.50% 250.00 06/28/01 8,370.91
20 100 100 5 2167 Williams,E 15,647.25 18.50% 445.50 06/25/01 16,123.75
20 100 100 5 2168 Walker,B 11,879.07 18.50% 373.48 07/31/00 12,602.18
20 100 100 5 2169 Brown,C 13,013.19 18.50% 349.98 08/10/01 13,531.60
20 100 100 5 2171 Soto,J 10,871.06 18.50% 298.09 05/16/00 11,620.20
20 100 100 5 2172 Ponthier,C 8,576.30 21.00% 288.49 06/11/00 9,237.00
20 100 100 5 2173 Gabbard,J 14,840.35 18.50% 401.39 08/20/01 15,639.00
20 100 100 5 2174 Abel,L 12,655.52 21.00% 358.45 10/12/01 13,250.00
20 100 100 5 2177 Moore,C 7,623.57 22.00% 283.56 08/15/01 8,181.50
20 100 100 5 2179 Hendrick,D 12,592.84 18.50% 409.61 01/23/01 13,820.94
20 100 100 5 2180 Horn,R 8,424.89 28.00% 440.63 04/09/01 9,431.00
20 100 100 5 2183 Mobley,A 6,305.25 25.00% 325.97 02/28/01 7,192.82
20 100 100 5 2187 Zachery,C 18,736.60 17.00% 492.62 07/18/01 19,682.28
20 100 100 5 2190 Nash,Y 11,430.10 25.00% 499.86 10/11/01 12,442.41
20 100 100 5 2191 Jones,E 12,069.75 18.50% 325.89 06/30/01 12,600.19
20 100 100 5 2193 Freeman,C 13,488.03 18.50% 391.74 06/20/01 14,287.52
20 100 100 5 2198 Barsh,C 16,464.50 18.50% 439.69 07/02/01 17,000.37
20 100 100 5 2199 Swinson,M 13,194.83 18.50% 348.98 05/16/01 13,492.93
20 100 100 5 2202 Winston,C 8,019.61 25.00% 352.05 07/19/01 8,763.04
20 100 100 5 2203 Greenway,P 11,459.78 18.50% 309.24 02/01/01 12,048.66
20 100 100 5 2205 Sands,M 14,433.44 18.50% 389.88 08/07/01 15,128.37
20 100 100 5 2214 Isaac,W 11,418.46 22.00% 436.00 09/07/01 12,693.58
20 100 100 5 2215 Burdette,A 7,710.43 22.00% 259.61 08/15/01 8,235.00
20 100 100 5 2216 Hamlin,L 25,179.10 17.00% 649.98 07/29/01 25,969.56
20 100 100 5 2219 Broadnax,R 18,430.03 18.50% 498.63 08/05/01 19,278.93
20 100 100 5 2227 Davis,A 16,112.69 18.50% 469.13 08/02/01 17,109.95
20 100 100 5 2231 Carrol,A 10,244.35 22.00% 345.83 07/22/01 10,883.62
20 100 100 5 2232 Hogue,D 19,815.00 18.50% 633.97 07/18/01 21,238.58
20 100 100 5 2234 Turner,B 4,811.94 28.00% 299.00 06/08/01 5,447.38
20 100 100 5 2235 Peters,A 7,262.56 25.00% 319.79 07/25/01 8,043.01
20 100 100 5 2238 Robbins,S 20,046.84 18.50% 574.68 09/28/01 20,799.03
20 100 100 5 2240 Kitchens,W 13,287.27 18.50% 414.67 04/24/01 13,992.00
20 100 100 5 2241 Burke,R 7,726.25 22.00% 283.40 05/22/01 8,175.83
20 100 100 5 2246 Lancaster,T 13,857.73 17.00% 359.97 08/22/01 14,382.63
20 100 100 5 2248 Brown,C 15,981.37 18.50% 459.43 03/20/01 16,630.00
20 100 100 5 2250 Davenport,G 12,101.36 18.50% 347.37 05/05/01 12,662.91
20 100 100 5 2252 Carlton,G 14,377.97 18.50% 389.21 09/04/01 15,164.51
20 100 100 5 2253 Bell,T 16,830.71 17.00% 436.03 02/18/01 17,421.28
20 100 100 5 2255 Quinton,R 8,762.77 22.00% 324.89 04/29/01 9,458.62
8
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 100 100 5 2257 McCoy,C 11,314.79 18.50% 320.59 10/15/01 11,692.45
20 100 100 5 2260 Jones,V 14,265.03 18.50% 399.78 09/28/01 14,469.27
20 100 100 5 2264 Miller,D 12,142.41 18.50% 349.91 03/16/01 12,664.42
20 100 100 5 2265 Holtzclaw,R 12,615.38 18.50% 327.61 06/01/01 12,699.26
20 100 100 5 2266 Sewell,G 10,921.04 18.50% 342.70 03/09/01 11,475.00
20 100 100 5 2268 Gordon,P 3,972.95 28.00% 249.75 06/03/01 4,546.62
20 100 100 5 2271 Childs,J 13,353.24 18.50% 379.88 04/24/01 13,854.87
20 100 100 5 2283 Cargile,R 13,761.52 18.50% 423.49 04/27/01 14,180.28
20 100 100 5 2284 Allen,L 10,616.54 18.50% 303.93 09/12/01 11,000.00
20 100 100 5 2285 Walker,V 9,406.11 22.00% 385.29 05/10/01 10,088.56
20 100 100 5 2286 King,M 10,326.18 18.50% 296.72 09/10/01 10,739.34
20 100 100 5 2287 Morton,D 10,470.31 18.50% 364.99 03/30/00 11,137.45
20 100 100 5 2288 Jackson,C 10,262.45 25.00% 400.24 10/04/01 11,130.62
20 100 100 5 2290 McCalley,M 12,524.86 18.50% 392.95 06/05/01 13,157.40
20 100 100 5 2295 Strickland,P 19,361.59 18.50% 554.47 05/18/01 20,222.34
20 100 100 5 2296 Snellings,T 9,747.44 18.50% 305.55 04/13/01 10,232.17
20 100 100 5 2298 Peasant,D 9,957.50 22.00% 364.37 04/30/01 10,512.00
20 100 100 5 2301 ONeal,M 13,797.52 18.50% 369.37 04/24/01 14,391.30
20 100 100 5 2303 Jackson,A 8,167.87 22.00% 269.34 06/08/01 8,548.78
20 100 100 5 2304 Gatson,T 13,462.98 17.00% 349.00 04/16/01 13,945.46
20 100 100 5 2305 Jones,D 10,426.21 18.50% 300.09 04/29/01 10,862.18
20 100 100 5 2310 Recio,M 11,210.80 18.50% 300.00 05/02/01 11,599.30
20 100 100 5 2311 Armstrong,D 15,030.05 18.50% 398.88 05/19/01 15,533.27
20 100 100 5 2312 Johnson,S 13,287.72 18.50% 354.53 04/01/01 13,806.07
20 100 100 5 2313 Henderson,N 14,179.58 18.50% 397.41 05/30/01 14,390.87
20 100 100 5 2314 Ryles,F 12,809.41 18.50% 369.97 06/01/01 13,493.35
20 100 100 5 2315 Joiner,D 14,129.92 18.50% 399.98 05/02/01 14,476.33
20 100 100 5 2317 Comer,B 15,205.23 18.50% 397.72 06/06/01 15,377.67
20 100 100 5 2324 Gaston,R 11,781.06 18.50% 359.25 05/17/01 12,029.00
20 100 100 5 2326 Watkins,W 13,364.18 18.50% 356.87 05/15/01 13,876.00
20 100 100 5 2330 McCarley,R 13,944.80 18.50% 396.28 06/08/01 14,342.30
20 100 100 5 2331 Santiago,S 8,838.05 25.00% 443.22 07/04/01 9,813.75
20 100 100 5 2332 Barid,R 16,008.54 18.50% 428.61 03/28/01 16,699.53
20 100 100 5 2333 White,J 13,923.29 18.50% 367.01 03/30/01 14,190.00
20 100 100 5 2334 Smith,F 13,147.37 18.50% 347.53 06/14/01 13,436.94
20 100 100 5 2335 Hendricks,E 9,450.53 18.50% 272.00 08/10/01 9,920.32
20 100 100 5 2336 Roach,M 9,904.96 18.50% 281.27 10/03/01 10,180.19
20 100 100 5 2338 Fedrick,W 6,788.89 22.00% 249.54 07/30/01 7,200.00
20 100 100 5 2339 Statham,E 13,843.47 18.50% 399.98 12/02/00 14,476.33
20 100 100 5 2341 Jolly,V 13,398.72 18.50% 357.24 01/20/01 13,918.70
20 100 100 5 2346 Williams,L 6,077.03 25.00% 260.93 07/25/01 6,562.80
20 100 100 5 2350 Waddell,D 5,686.94 22.00% 201.47 02/04/01 5,865.62
20 100 100 5 2353 Austin,D 13,853.42 18.50% 398.70 02/08/01 14,541.40
20 100 100 5 2354 Carden,T 9,978.80 18.50% 262.74 02/07/01 10,236.93
20 100 100 5 2359 Cooper,M 11,803.18 18.50% 314.23 03/27/01 12,149.20
20 100 100 5 2361 Floyd,G 10,258.39 18.50% 314.74 06/30/01 10,538.69
20 100 100 5 2363 Seils,N 13,329.92 18.50% 357.49 06/28/01 13,928.76
20 100 100 5 2365 Lee,D 10,401.82 25.00% 431.35 02/16/01 10,849.01
20 100 100 5 2366 Oneal,G 12,769.39 18.50% 339.93 02/15/01 13,176.57
20 100 100 5 2367 Shelly,J 18,705.12 18.50% 496.37 02/03/01 19,191.81
20 100 100 5 2368 Burkes,R 13,464.06 18.50% 354.88 03/07/01 13,805.81
20 100 100 5 2369 Reeves,E 15,090.88 18.50% 398.79 04/07/01 15,537.87
20 100 100 5 2370 Missildine,L 16,587.69 18.50% 436.77 06/08/01 16,887.51
20 100 100 5 2373 Patterson,D 13,147.51 17.00% 335.00 07/12/01 13,479.84
20 100 100 5 2378 Walker,V 10,395.45 18.50% 364.23 06/27/01 11,199.99
20 100 100 5 2379 Johnson,B 12,207.68 22.00% 449.36 09/30/01 13,082.43
20 100 100 5 2380 Goodman,J 15,555.32 18.50% 436.55 12/29/00 15,921.84
20 100 100 5 2384 Lovell,J 11,271.02 18.50% 298.33 04/07/01 11,623.47
20 100 100 5 2385 Stroup,M 6,736.04 25.00% 280.86 02/26/01 7,064.00
20 100 100 5 2386 Freddie,T 14,551.34 18.50% 384.53 02/16/01 14,982.34
20 100 100 5 2388 Brown,M 12,180.69 22.00% 399.67 02/15/01 12,685.62
20 100 100 5 2390 Massey,R 17,007.07 18.50% 484.37 02/16/01 17,665.75
20 100 100 5 2391 Tate,B 16,734.10 18.50% 525.65 02/11/01 17,736.23
20 100 100 5 2392 Harrell,M 10,673.04 18.50% 300.50 02/04/01 10,959.71
20 100 100 5 2393 White,C 14,467.03 18.50% 400.35 10/15/01 14,601.66
20 100 100 5 2396 Salyers,L 9,180.03 22.00% 297.40 05/23/01 9,439.50
9
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 100 100 5 2397 Stinson,M 11,625.34 22.00% 419.05 08/28/01 12,200.00
20 100 100 5 2398 Moss,L 12,442.98 18.50% 328.75 08/26/01 12,710.87
20 100 100 5 2404 Davis,C 4,980.18 25.00% 243.00 08/02/01 5,380.67
20 100 100 5 2405 Trimble,C 8,784.74 18.50% 271.07 08/09/01 9,146.44
20 100 100 5 2407 Hingson,M 13,841.63 18.50% 358.79 08/08/01 13,979.13
20 100 100 5 2408 Hamrick,F 8,605.91 25.00% 361.56 07/22/01 9,093.62
20 100 100 5 2410 Meherg,L 6,906.45 22.00% 274.38 07/21/01 7,184.62
20 100 100 5 2411 LemonsJR,F 19,499.08 18.50% 512.55 06/02/01 19,969.98
20 100 100 5 2414 FULLER,M 17,047.43 17.00% 437.00 06/22/01 17,583.81
20 100 100 5 2416 Stodghill,A 13,924.75 18.50% 422.52 06/15/01 14,147.45
20 100 100 5 2417 Dillard,S 13,827.84 18.50% 364.91 07/13/01 14,217.57
20 100 100 5 2418 Wilson,G 14,063.61 17.00% 358.08 08/30/01 14,408.25
20 100 100 5 2419 Roberts,M 21,772.71 17.00% 552.83 07/15/01 22,087.98
20 100 100 5 2424 Carter,B 13,781.29 18.50% 364.38 08/11/01 14,197.02
20 100 100 5 2425 Johnson,R 10,674.51 22.00% 383.54 08/03/01 11,166.41
20 100 100 5 2426 Franklin,J 16,058.80 18.50% 425.00 08/07/01 16,432.15
20 100 100 5 2427 Gardner,R 11,895.30 17.00% 305.00 08/18/01 12,272.42
20 100 100 5 2429 Whatley,P 7,898.01 22.00% 251.61 08/23/01 7,981.25
20 100 100 5 2430 Anglin,J 8,808.72 22.00% 281.18 08/30/01 8,924.60
20 100 100 5 2431 Harrington,S 11,194.75 18.50% 355.21 09/09/01 11,985.26
20 100 100 5 2433 Richards,L 8,498.50 18.50% 264.00 10/06/01 8,907.98
20 100 100 5 2434 Willis,A 9,007.81 25.00% 369.78 09/24/01 9,300.42
20 100 100 5 2435 Sanabria,D 16,754.26 18.50% 476.79 09/20/01 17,389.26
20 100 100 5 2436 Vaughn,S 13,616.58 17.00% 349.47 09/24/01 14,061.82
20 100 100 5 2437 Bailey,B 8,476.66 22.00% 300.10 09/28/01 8,737.00
20 100 100 5 2439 Callahan,G 14,664.06 17.00% 375.42 09/25/01 15,106.00
20 100 100 5 2441 Harris,R 14,153.57 18.50% 367.10 09/27/01 14,303.19
20 100 100 5 2442 Davis,C 14,415.68 18.50% 381.89 09/30/01 14,871.53
20 100 100 5 2443 Woodward,M 12,119.47 18.50% 364.26 10/09/01 12,290.62
20 100 100 5 2444 Malone,L 9,754.86 18.50% 277.61 10/07/01 10,124.99
20 100 100 5 2445 Smith,V 9,286.82 22.00% 325.00 10/02/01 9,461.97
20 100 100 5 2446 Arnette,E 9,586.97 18.50% 272.85 06/15/01 9,951.05
20 100 100 5 2447 Eier,K 16,125.21 18.50% 422.79 07/28/01 16,472.68
20 100 100 5 2448 Hosomback,L 11,884.20 18.50% 331.62 06/14/01 12,095.00
20 100 100 5 2449 Winsley,E 5,443.43 28.00% 266.00 06/18/01 5,631.90
20 100 100 5 2450 Harrington,K 11,102.81 18.50% 337.86 09/19/01 11,400.00
20 100 100 5 2451 Draughorne,P 11,853.97 18.50% 306.15 08/16/01 11,928.20
20 100 100 5 2453 Walkekr,M 11,351.72 18.50% 346.13 05/28/01 11,679.19
20 100 100 5 2454 Holcombe,C 6,421.10 25.00% 263.89 08/18/01 6,637.00
20 100 100 5 2456 Thomas,F 13,896.54 18.50% 385.09 06/07/01 14,044.85
20 100 100 5 2459 Izaquirre,D 11,950.88 18.50% 369.49 06/02/01 12,467.40
20 100 100 5 2460 Robertson,A 5,359.44 28.00% 261.34 09/28/01 5,593.45
20 100 100 5 2463 Sapp,J 14,052.22 18.50% 366.53 10/01/01 14,281.00
20 100 100 5 2464 Young,R 15,307.63 18.50% 399.32 08/15/01 15,479.00
20 100 100 5 2465 Heffernan,J 26,972.81 18.50% 759.22 08/11/01 27,478.28
20 100 100 5 2467 Hart,L 9,992.92 25.00% 359.33 09/26/01 9,992.92
20 100 100 5 2469 Walker,Y 13,604.79 18.50% 356.52 06/19/01 13,890.65
20 100 100 5 2470 Ballew,M 11,667.85 18.50% 308.84 06/18/01 12,033.32
20 100 100 5 2473 Lowe,R 12,679.38 18.50% 335.27 05/26/01 13,062.75
20 100 100 5 2479 Bates,S 11,006.10 18.50% 306.95 06/29/01 11,195.01
20 100 100 5 2480 Lawson,R 8,172.07 25.00% 300.60 10/02/01 8,353.75
20 100 100 5 2481 Cann,R 13,611.77 18.50% 356.91 06/30/01 13,905.91
20 100 100 5 2482 Coburn,K 6,852.94 25.00% 249.03 07/15/01 6,925.62
20 100 100 5 2486 Brown,P 9,260.88 18.50% 260.47 06/30/01 9,500.00
20 100 100 5 2489 Edwards,T 11,827.17 18.50% 309.20 08/02/01 11,954.97
20 100 100 5 2493 Payne,M 9,473.13 22.00% 329.38 07/10/01 9,589.42
20 100 100 5 2496 Willis,C 11,367.90 18.50% 341.04 08/12/01 11,419.55
20 100 100 5 2497 Brown,F 11,315.59 18.50% 317.91 07/28/01 11,594.99
20 100 100 5 2498 Compton,G 12,053.94 18.50% 338.70 07/12/01 12,290.60
20 100 100 5 2499 Bruce,K 14,141.62 18.50% 389.73 06/04/01 14,214.36
20 100 100 5 2500 Thorpe,J 15,970.16 18.50% 463.81 06/12/01 16,898.70
20 100 100 5 2502 Morris,M 10,494.88 18.50% 273.75 08/02/01 10,665.62
20 100 100 5 2503 Young,J 8,017.72 21.00% 308.99 02/12/01 8,201.45
20 100 100 5 2504 Watson,J 13,385.81 18.50% 353.57 01/25/01 13,670.43
20 100 100 5 2506 Hendley,V 11,471.12 18.50% 299.67 03/25/01 11,675.62
20 100 100 5 2508 Bradshaw,M 12,596.79 22.00% 401.79 03/08/01 12,752.62
10
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 100 100 5 2509 Bennett,R 7,720.65 25.00% 286.62 09/19/01 7,970.92
20 100 100 5 2511 Abner,D 6,507.74 25.00% 240.59 08/15/01 6,686.25
20 100 100 5 2512 Nawrot,J 11,737.11 18.50% 325.20 01/13/01 11,770.00
20 100 100 5 2515 Jenkins,R 18,621.14 22.00% 525.00 04/23/01 19,008.59
20 100 100 5 2516 Clark,C 9,103.78 25.00% 369.31 12/14/00 9,288.60
20 100 100 5 2517 Mace,E 10,824.29 18.50% 279.89 10/11/01 10,905.31
20 100 100 5 2518 Walker,W 13,659.91 18.50% 383.17 02/07/01 13,974.76
20 100 100 5 2519 Lee,S 26,025.84 22.00% 720.47 05/15/01 26,085.95
20 100 100 5 2522 Toon,J 8,551.34 18.50% 223.73 09/28/01 8,716.96
20 100 100 5 2523 Powell,L 13,208.14 25.00% 487.84 03/28/01 13,566.92
20 100 100 5 2524 Reed,M 11,783.15 18.50% 307.82 05/13/01 11,993.52
20 100 100 5 2525 Raines,M 11,245.77 18.50% 290.94 05/11/01 11,335.62
20 100 100 5 2527 Campbell,D 10,672.90 18.50% 300.64 05/24/01 10,964.87
20 100 100 5 2529 Truett,C 16,492.60 18.50% 461.02 07/03/01 16,687.47
20 100 100 5 2531 Norman,A 4,468.40 25.00% 245.88 08/23/01 4,607.00
20 100 100 5 2532 Callaway,J 12,745.61 18.50% 388.43 07/29/01 13,106.36
20 100 100 5 2533 Campbell,M 13,377.28 18.50% 370.37 07/11/01 13,508.03
20 100 100 5 2534 Bradley,P 16,104.08 18.50% 452.40 05/25/01 16,500.00
20 100 100 5 2535 Hill,F 17,654.35 17.00% 443.41 09/01/01 17,731.36
20 100 100 5 2536 Grimes,J 15,672.00 17.00% 389.48 08/15/01 15,672.00
20 100 100 5 2538 Holden,J 12,187.19 18.50% 336.73 05/21/01 12,187.19
20 100 100 5 2539 Watson,K 11,152.23 25.00% 452.10 08/14/01 11,370.69
20 100 100 5 2540 Coleman,A 10,298.25 18.50% 309.20 05/26/01 10,432.95
20 100 100 5 2541 Hamlet,C 23,696.23 18.50% 620.76 09/25/01 24,013.27
20 100 100 5 2544 Harrison,D 5,157.78 25.00% 208.67 09/24/01 5,248.16
20 100 100 5 2546 Cary,J 13,487.70 18.50% 379.35 10/02/01 13,835.35
20 100 100 5 2547 Cox,L 11,541.12 18.50% 324.91 06/19/01 11,850.00
20 100 100 5 2548 Ausley,G 13,249.81 18.50% 367.40 09/23/01 13,399.88
20 100 100 5 2552 Alvis,J 9,447.52 22.00% 305.59 09/13/01 9,699.36
20 100 100 5 2554 Bunch,E 14,078.23 17.00% 353.22 10/06/01 14,213.00
20 100 100 5 2555 Wilson,J 21,726.45 18.50% 600.00 08/03/01 21,882.80
20 100 100 5 2556 Lobo,R 10,849.10 25.00% 433.75 06/24/01 10,909.25
20 100 100 5 2558 Harrison,D 9,440.79 18.50% 268.86 06/11/01 9,805.62
20 100 100 5 2560 Greenleaf,A 14,166.05 18.50% 365.00 09/27/01 14,221.11
20 100 100 5 2562 Summers,H 10,694.48 22.00% 340.90 10/14/01 10,820.17
20 100 100 5 2563 Long,C 11,876.72 18.50% 329.50 08/22/01 12,017.40
20 100 100 5 2564 Walker,T 9,980.62 18.50% 274.65 09/10/01 10,017.00
20 100 100 5 2565 Crews,L 8,476.85 25.00% 307.43 08/29/01 8,549.62
20 100 100 5 2566 Cantrell,G 14,759.90 18.50% 409.70 08/16/01 14,942.40
20 100 100 5 2568 Hardy,L 9,118.65 25.00% 327.89 08/23/01 9,118.65
20 100 100 5 2569 Melvin,G 16,934.32 17.00% 425.37 07/24/01 16,995.57
20 100 100 5 2570 Glover,J 17,156.02 17.00% 430.09 07/30/01 17,185.90
20 100 100 5 2572 McConnell,D 7,908.68 25.00% 362.38 08/16/01 8,023.76
20 100 100 5 2573 Linley,D 10,378.20 18.50% 310.00 08/27/01 10,460.23
20 100 100 5 2575 House,J 14,989.20 17.00% 374.63 07/03/01 14,989.20
20 100 100 5 2576 Sizemore,C 11,147.79 18.50% 330.38 09/04/01 11,147.79
20 100 100 5 2577 Malone,B 13,634.29 18.50% 378.39 09/21/01 13,695.00
20 100 100 5 2579 Kearns,C 15,151.18 18.50% 388.87 10/10/01 15,151.18
20 100 100 5 2580 Couch,T 9,962.18 22.00% 342.18 07/03/01 9,962.18
20 100 100 5 2581 Nauss,P 12,893.53 18.50% 355.70 06/29/01 12,973.07
20 100 100 5 2584 Mitchell,R 16,122.94 18.50% 477.83 08/08/01 16,122.94
20 100 100 5 2585 Samples,R 11,233.95 18.50% 286.20 08/27/01 11,235.42 B
20 100 100 5 2586 Hill,D 12,149.20 18.50% 364.23 08/23/01 12,289.96
20 100 100 5 2587 Martin,K 10,162.86 18.50% 281.66 08/23/01 10,272.70
20 100 100 5 2589 Montalvo,C 15,861.05 17.00% 397.82 10/10/01 16,007.57
20 100 100 5 2590 Leverette,J 15,115.28 17.00% 379.07 04/24/01 15,252.82
20 100 100 5 2592 Hewell,R 12,783.66 18.50% 339.85 10/19/01 13,143.60 B
20 100 100 5 2594 Willbanks,D 11,132.95 25.00% 400.32 10/11/01 11,132.95
20 100 100 5 2595 Reeise,D 15,383.09 18.50% 399.90 07/25/01 15,461.79
20 100 100 5 2596 Vaughn,S 13,816.66 17.00% 347.81 07/25/01 13,995.00
20 100 100 5 2597 Ogle,M 7,880.44 25.00% 325.20 08/07/01 8,179.34
20 100 100 5 2600 Clark,K 8,640.62 25.00% 310.70 07/30/01 8,640.62
20 100 100 5 2602 Gray,R 8,779.98 22.00% 276.62 07/09/01 8,779.98
20 100 100 5 2603 Hendrickson,D 11,352.76 18.50% 314.96 07/30/01 11,487.23
20 100 100 5 2604 Howard,J 14,646.87 17.00% 364.01 08/20/01 14,646.87
20 100 100 5 2605 Lockricge,G 16,403.90 22.00% 525.13 07/01/01 16,667.83
11
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 100 100 5 2606 Tucker,W 14,968.46 22.00% 477.43 06/26/01 15,153.62
20 100 100 5 2608 Hixson,W 15,457.64 18.50% 396.73 06/06/01 15,457.64
20 100 100 5 2609 Nelson,T 7,194.62 28.00% 406.93 07/26/01 7,413.87
20 100 100 5 2610 Thomas,B 16,979.43 25.00% 498.37 08/14/01 16,979.43
20 100 100 5 2612 Tomei,S 15,429.76 18.50% 400.00 08/30/01 15,584.89
20 100 100 5 2613 Johnson,A 15,541.95 18.50% 398.90 09/19/01 15,541.95
20 100 100 5 2614 Skinner,M 8,545.62 25.00% 307.29 09/14/01 8,545.62
20 100 100 5 2615 Chambus,C 14,217.39 18.50% 395.25 09/17/01 14,415.37
20 100 100 5 2616 Fredricks,T 13,144.00 18.50% 365.79 09/18/01 13,340.96
20 100 100 5 2617 Elliott,J 17,397.97 18.50% 449.98 08/25/01 17,397.97
20 100 100 5 2619 Weathers,A 5,277.80 25.00% 238.36 09/12/01 5,277.80
20 100 100 5 2620 Edwards,A 11,917.04 22.00% 379.87 07/26/01 12,057.09
20 100 100 5 2622 Collins,C 10,862.99 17.00% 271.37 09/20/01 10,862.99
20 100 100 5 2623 Parham,S 9,663.72 22.00% 301.47 08/28/01 9,663.72
20 100 100 5 2624 Winfrey,T 9,486.15 22.00% 330.41 08/27/01 9,619.43
20 100 100 5 2626 Lewis,A 12,642.50 18.50% 324.48 10/06/01 12,642.50
20 100 100 5 2627 Bowen,J 18,243.08 18.50% 540.66 05/19/01 18,243.08
20 100 100 5 2629 Moon,M 21,085.67 18.50% 548.03 06/28/01 21,352.32
20 100 100 5 2630 Snow,K 11,604.66 22.00% 365.62 07/25/01 11,604.66
20 100 100 5 2631 Finch,R 11,900.22 18.50% 358.59 07/17/01 12,099.77
20 100 100 5 2632 Godinez,V 8,312.40 22.00% 285.51 07/30/01 8,312.40
20 100 100 5 2634 Whiting,E 13,502.37 18.50% 400.16 10/14/01 13,502.37
20 100 100 5 2637 Flowers,E 12,619.58 18.50% 323.89 08/16/01 12,619.58
20 100 100 5 2640 Henry,L 14,306.00 18.50% 392.25 06/27/01 14,306.00
20 100 100 5 2642 Norris,C 15,473.25 18.50% 397.13 10/04/01 15,473.25
20 100 100 5 2643 Passmore,G 4,264.90 28.00% 241.80 09/11/01 4,405.32
20 100 100 5 2645 Crunkleton,K 7,959.74 18.50% 225.00 02/28/01 8,246.99 B
20 100 100 5 2646 Caudell,J 15,914.32 18.50% 408.46 09/23/01 15,914.32
20 100 100 5 2648 Patterson,P 13,844.82 25.00% 550.46 10/09/01 13,844.82
20 100 100 5 2649 Steele,J 12,425.62 22.00% 364.44 10/01/01 12,425.62
20 100 100 5 2651 Couch,J 15,009.64 18.50% 411.54 05/01/01 15,009.64
20 100 100 5 2652 Gresham,T 7,039.87 25.00% 279.90 08/20/01 7,039.87
20 100 100 5 2654 Turner,T 14,801.81 18.50% 379.90 05/06/01 14,801.81
20 100 100 5 2655 Rush,W 14,823.80 18.50% 380.47 09/22/01 14,823.80
20 100 100 5 2656 Campbell,C 15,137.97 17.00% 376.21 09/27/01 15,137.97
20 100 100 5 2658 Alexander,S 10,490.00 22.00% 360.31 09/13/01 10,490.00
20 100 100 5 2659 Westmoreland,T 9,313.06 18.50% 276.01 08/04/01 9,313.06
20 100 100 5 2660 Kiser,T 12,872.76 18.50% 352.95 10/01/01 12,872.76
20 100 100 5 2661 Gaston,D 9,318.98 18.50% 278.31 09/12/01 9,318.98
20 100 100 5 2662 Hudson,N 11,920.47 22.00% 375.57 09/25/01 11,920.47
20 100 100 5 2663 Jackson,T 14,083.27 17.00% 350.00 09/25/01 14,083.27
20 100 100 5 2665 Jackson,A 24,083.17 17.00% 598.52 10/03/01 24,083.17
20 100 100 5 2667 Hernandez,S 12,133.20 18.50% 332.67 07/18/01 12,133.20
20 100 100 5 2668 Adkinson,L 12,554.13 18.50% 344.22 07/24/01 12,554.13
20 100 100 5 2670 Bishop,P 11,166.78 18.50% 310.44 07/04/01 11,322.28
20 100 100 5 2674 Askew,K 11,080.00 18.50% 328.38 10/12/01 11,080.00
20 100 100 5 2675 Thompson,R 8,613.87 25.00% 389.02 10/02/01 8,613.87
20 100 100 5 2676 Franklin,D 8,912.00 25.00% 320.46 09/28/01 8,912.00
20 100 100 5 2677 Jenkins,P 17,856.43 18.50% 458.30 09/07/01 17,856.43
20 100 100 5 2678 Jones,A 17,128.35 18.50% 439.61 07/11/01 17,128.35
20 100 100 5 2680 Pierce,W 15,338.53 17.00% 381.20 10/12/01 15,338.53
20 100 100 5 2681 Gilcrease,R 13,796.32 18.50% 357.29 03/25/01 13,920.78
20 100 100 5 2682 Tucker,J 13,285.62 25.00% 477.73 10/10/01 13,285.62
20 100 100 5 2686 Hammac,M 11,365.00 18.50% 336.82 06/01/01 11,365.00
20 100 100 5 2687 Guest,E 8,944.35 22.00% 285.29 09/12/01 9,055.00
20 100 100 5 2689 Parmenter,D 13,409.69 18.50% 344.18 01/10/01 13,409.69
20 100 100 5 2691 Lewis,T 15,297.31 25.00% 449.00 07/01/01 15,297.31
20 100 100 5 2692 Reese,J 16,575.00 25.00% 486.50 09/21/01 16,575.00
20 100 100 5 2693 Garcia,T 11,978.90 18.50% 307.45 06/21/01 11,978.90
20 100 100 5 2694 Johnson,C 23,001.67 18.50% 590.37 07/15/01 23,001.67
20 100 100 5 2695 Cromey,M 14,413.07 18.50% 369.92 06/14/01 14,413.07
20 100 100 5 2697 Hefner,D 9,085.74 18.50% 249.11 09/28/01 9,085.74
20 100 100 5 2698 Collier,J 19,115.40 17.00% 475.07 06/28/01 19,115.40
20 100 100 5 2699 Collins,D 14,627.97 19.00% 379.45 09/25/00 14,627.97
20 100 100 5 2700 Watkins,A 12,788.94 22.00% 439.28 10/07/01 12,788.94
20 100 100 5 2701 Somerville,D 16,201.20 18.50% 418.98 09/13/01 16,201.20
12
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 100 100 5 2702 Knock,R 10,467.00 18.50% 312.59 09/15/01 10,467.00
20 100 100 5 2703 Jones,D 11,636.37 18.50% 298.66 09/10/01 11,636.37
20 100 100 6 1832 Evans,S 13,057.17 17.00% 356.36 06/11/01 14,238.64
20 100 100 6 2244 Gaylord,R 13,991.69 17.00% 358.39 02/08/01 14,420.50
20 100 100 7 85 Roberson,M 12,253.61 17.00% 451.56 10/09/01 18,169.75
20 100 100 7 1780 Jackson,M 18,628.58 17.00% 516.44 08/03/01 20,770.73
20 100 100 7 2124 Mayberry,B 16,756.78 17.00% 451.45 07/22/01 18,165.52
20 100 100 7 2165 Youngblood,S 12,400.73 17.00% 325.61 09/26/01 13,101.96
20 100 100 7 2189 Brittian,B 16,462.97 17.00% 432.49 08/25/01 17,279.71
20 100 100 7 2218 Reyes,L 22,862.59 17.00% 601.11 07/26/01 24,187.23
20 100 100 7 2228 Oliver,A 21,544.04 17.00% 554.55 07/16/01 22,313.75
20 100 100 7 2237 Bianchi,D 13,619.82 17.00% 358.03 07/16/01 14,352.82
20 100 100 7 2276 Moore,C 28,337.48 17.00% 730.52 05/29/01 29,394.38
20 100 100 7 2297 Mckeehan,V 12,691.93 17.00% 328.16 06/01/01 13,111.61
20 100 100 7 2306 McDonald,K 13,520.29 17.00% 350.85 08/02/01 14,018.00
20 100 100 7 2325 Walls,E 12,875.03 17.00% 332.91 09/21/01 13,395.64
20 100 100 7 2342 Osby,D 14,270.48 17.00% 366.52 04/25/01 14,644.21
20 100 100 7 2348 Smith,D 24,913.25 17.00% 634.75 08/03/01 25,360.87
20 100 100 7 2351 Veal,A 17,851.92 17.00% 463.76 07/27/01 18,660.61
20 100 100 7 2357 Bailey,C 16,048.19 17.00% 419.50 10/15/01 16,879.72
20 100 100 7 2358 Pollard,J 14,628.45 17.00% 369.99 09/15/01 14,784.32
20 100 100 7 2399 Narcisse,E 24,424.00 17.00% 579.81 06/07/01 25,058.40 B
20 100 100 7 2403 Hayes,F 14,022.24 17.00% 360.36 06/03/01 14,500.00
20 100 100 7 2423 Youkers,J 22,440.66 17.00% 566.61 06/09/01 22,798.73
20 100 100 7 2553 Washington,M 21,827.50 17.00% 546.89 10/22/01 22,005.43
20 100 100 7 2574 Newsome,M 20,459.67 17.00% 474.53 10/24/01 20,485.76 B
20 100 100 7 2598 Aberdeen,M 16,213.87 17.00% 407.00 10/15/01 16,376.79
20 100 100 8 1693 Hart,R 9,889.25 18.50% 306.34 09/16/01 11,088.64
20 100 100 8 1719 Phillips,L 13,072.59 18.50% 439.97 06/06/01 14,732.04
20 100 100 8 1731 Anderson,G 5,554.80 25.00% 263.84 09/07/01 6,558.50
20 100 100 8 1736 Fields,E 14,428.91 17.00% 397.36 02/26/01 15,989.06
20 100 100 8 1743 Rollins,R 2,812.44 28.00% 234.99 10/12/01 4,278.00
20 100 100 8 1749 Taylor,D 12,694.02 17.00% 346.15 10/02/01 13,830.54
20 100 100 8 1752 Davis,C 11,227.74 18.50% 341.30 09/01/01 12,447.70
20 100 100 8 1756 McClendon,A 14,504.48 18.50% 487.24 07/11/01 16,316.45
20 100 100 8 1776 McCann,F 11,391.61 18.50% 383.94 08/16/01 12,955.00
20 100 100 8 1797 RaperJR,O 2,917.10 28.00% 219.80 07/23/01 3,958.43
20 100 100 8 1826 Sullivan,M 12,241.58 18.50% 372.39 09/10/01 13,478.04
20 100 100 8 1852 Hanks,B 13,320.67 18.50% 395.29 07/02/01 14,308.04
20 100 100 8 1868 Rice,E 11,842.00 18.50% 398.98 07/20/01 13,462.49
20 100 100 8 1869 Ennis,W 9,923.19 18.50% 298.00 07/05/01 10,785.35
20 100 100 8 1883 Moorehead,J 7,736.89 22.00% 319.93 07/07/01 9,314.28
20 100 100 8 1890 Henley,H 14,752.63 18.50% 443.16 05/30/01 16,038.94
20 100 100 8 1906 Phillips,S 6,352.05 25.00% 347.78 08/05/01 7,700.64
20 100 100 8 1934 Gaddis,K 14,500.26 22.00% 544.34 06/07/01 15,857.26
20 100 100 8 1951 Pressley,F 11,692.43 18.50% 350.93 10/12/01 12,799.24
20 100 100 8 2086 Morale,R 13,087.99 18.50% 357.75 08/28/01 13,831.95
20 100 100 8 2108 Bennett,L 18,792.25 18.50% 514.90 09/27/01 20,061.40
20 100 100 8 2110 Ray,R 18,070.50 18.50% 583.53 10/12/01 19,689.34
20 100 100 8 2113 Crawford,T 13,823.37 18.50% 377.09 09/24/01 14,684.78
20 100 100 8 2178 Nelson,C 11,361.15 18.50% 331.40 09/10/01 11,994.21
20 100 100 8 2194 Schoenfeld,A 11,230.29 18.50% 324.84 07/15/01 11,847.52
20 100 100 8 2201 Satton,S 11,747.08 18.50% 366.54 07/15/01 12,274.54
20 100 100 8 2204 Smith,S 12,774.13 18.50% 373.00 09/25/01 13,500.01
20 100 100 8 2208 Smith,J 6,384.76 22.00% 238.43 10/14/01 6,941.56
20 100 100 8 2224 Longmire,B 10,525.35 25.00% 466.73 08/16/01 11,738.86
20 100 100 8 2225 Francis,K 13,816.10 22.00% 461.92 09/19/01 14,530.16
20 100 100 8 2229 Kolakowski,P 13,958.71 18.50% 436.70 09/23/01 14,622.40
20 100 100 8 2236 Rodriguez,U 11,721.99 17.00% 302.71 10/03/01 12,180.58
20 100 100 8 2251 Dean,V 15,707.77 22.00% 529.47 07/31/01 16,805.50
20 100 100 8 2267 Tudury,A 11,704.20 20.50% 325.00 10/01/01 12,036.65
20 100 100 8 2293 Freedman,D 11,716.26 18.50% 338.61 05/06/01 12,349.56
20 100 100 8 2299 Smallwood,J 10,948.32 22.50% 388.00 08/01/01 11,209.63
20 100 100 8 2337 WomacJR,P 12,900.44 18.50% 345.63 08/01/01 13,363.45
20 100 100 8 2343 Giles,D 10,873.03 18.50% 336.61 10/01/01 11,271.00
20 100 100 8 2344 White,R 10,461.04 18.50% 296.84 08/10/01 10,743.45
13
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 100 100 8 2355 Hardin,S 12,963.98 18.50% 399.98 06/22/01 13,392.84
20 100 100 8 2372 Soto,J 14,380.64 18.50% 409.62 03/15/01 14,825.35
20 100 100 8 2374 Cochran,S 13,783.03 18.50% 390.06 09/08/01 14,117.40
20 100 100 8 2375 Jones,T 10,885.60 18.50% 308.30 09/19/01 11,244.28
20 100 100 8 2376 Bedwell,D 21,339.58 18.50% 563.59 09/30/01 21,958.45
20 100 100 8 2381 Calvin,P 9,999.45 18.50% 307.04 09/05/01 10,286.32
20 100 100 8 2389 Howell,J 12,722.01 18.50% 361.43 09/26/01 13,081.25
20 100 100 8 2394 Lowe,J 11,115.05 18.50% 344.52 08/24/01 11,625.00
20 100 100 8 2412 Prince,D 6,533.67 22.00% 236.40 07/04/01 6,882.50
20 100 100 8 2413 SILVER,B 15,359.49 18.50% 432.69 09/20/01 15,781.08
20 100 100 8 2420 Carr,J 15,742.72 18.50% 451.27 08/08/01 16,458.69
20 100 100 8 2421 Steele,J 9,189.17 25.00% 388.68 08/19/01 9,775.62
20 100 100 8 2428 Vali,M 16,327.80 18.50% 462.23 10/10/01 16,858.45
20 100 100 8 2452 White,R 7,303.92 25.00% 271.30 09/15/01 7,545.00
20 100 100 8 2455 Ball,T 13,901.63 18.50% 363.17 05/07/01 14,150.03
20 100 100 8 2461 Humphrey,T 12,848.16 25.00% 434.72 03/07/01 13,110.92
20 100 100 8 2472 Terry,B 18,596.14 18.50% 520.86 09/28/01 18,996.81
20 100 100 8 2478 Phillip,J 8,416.79 18.50% 256.04 09/19/01 8,573.37
20 100 100 8 2484 Rhan,W 8,887.41 22.00% 312.56 09/14/01 9,099.99
20 100 100 8 2495 Hall,R 8,720.10 18.50% 260.85 07/23/01 8,801.66
20 100 100 8 2510 Crider,J 15,718.59 18.50% 441.39 08/21/01 16,098.45
20 100 100 8 2528 Parker,L 3,075.46 28.00% 232.65 09/11/01 3,387.87
20 100 100 8 2537 Pitts,R 6,460.66 22.00% 251.18 09/04/01 6,577.06
20 100 100 8 2543 Jackson,J 10,728.35 22.00% 374.13 05/11/01 10,892.40
20 100 100 8 2549 Armstrong,D 16,837.33 17.00% 421.67 07/30/01 16,966.95
20 100 100 8 2550 Sims,S 12,756.51 18.50% 354.27 09/19/01 12,920.87
20 100 100 8 2559 Underwood,P 9,582.62 18.50% 288.45 10/01/01 9,732.95
20 100 100 8 2583 Johnson,P 21,232.56 18.50% 589.37 03/27/01 21,495.09
20 100 100 8 2599 Pasley,B 10,817.40 25.00% 388.97 06/15/01 10,817.40
20 100 100 8 2607 Brewer,W 10,654.06 22.00% 340.44 05/18/01 10,805.63
20 100 100 8 2618 Baldwin,J 12,965.34 18.50% 384.25 12/18/00 12,965.34
20 100 100 8 2636 Griffin,D 19,309.18 17.00% 479.88 12/06/00 19,309.18
20 100 100 8 2638 Teague,E 16,477.25 18.50% 422.91 12/26/00 16,477.25
20 100 100 8 2639 Titus,J 16,204.35 18.50% 444.30 06/07/01 16,204.35
20 100 100 8 2657 Hall,F 14,000.00 18.50% 383.86 06/13/01 14,000.00
20 100 100 8 2669 Padgett,J 11,348.00 18.50% 311.15 06/15/01 11,348.00
20 100 100 8 2690 Calhoun,M 9,612.20 18.50% 284.87 09/04/00 9,612.20
20 100 100 8 2696 Dortch,C 12,198.62 18.50% 334.47 12/15/00 12,198.62
20 130 130 5 1 Fogg,C 7,349.05 21.00% 342.66 06/15/01 7,945.00
20 130 130 5 2 Nelson,D 7,712.55 28.00% 376.68 11/29/00 8,030.91
20 130 130 5 3 Hendee,B 7,641.22 24.00% 277.98 08/12/00 7,848.75
20 130 130 5 5 Metzler,V 8,675.42 19.50% 248.09 08/08/00 8,874.04
20 130 130 5 6 Staloites,L 6,228.20 24.00% 254.01 06/26/00 6,474.45
20 130 130 5 7 Atkinson,C 5,423.93 25.00% 244.96 12/08/00 5,423.93
20 130 130 8 4 Hoffman,D 4,314.82 24.00% 242.80 12/19/00 4,592.37
20 140 140 5 4 Steinkuil,L 4,770.08 21.00% 173.19 11/29/00 5,121.00
20 140 140 5 5 Price,P 10,459.90 20.00% 413.32 12/01/00 11,031.00
20 140 140 5 6 Baxter,T 24,195.78 20.00% 716.60 09/27/00 25,385.00
20 140 140 5 7 Robertson,L 7,988.58 21.00% 284.00 11/02/00 8,397.25
20 140 140 5 8 Dennis,B 6,839.96 21.00% 242.18 11/04/00 7,161.00
20 140 140 5 9 Hall,A 12,685.20 19.00% 339.04 09/16/00 13,069.75
20 140 140 5 10 Williams,C 10,152.02 20.00% 319.85 09/18/00 10,511.00
20 140 140 5 11 Cook,R 10,443.37 21.00% 370.05 08/29/01 10,941.69
20 140 140 5 12 Warren,L 8,842.67 21.00% 305.80 09/12/00 9,042.00
20 140 140 5 13 FIELDS,R 9,286.82 21.00% 371.04 07/02/01 9,848.50
20 140 140 5 15 Gordy,C 17,758.59 18.00% 499.26 08/04/01 18,388.24
20 140 140 5 16 Fisher,R 11,363.00 19.00% 299.45 03/17/01 11,543.75
20 140 140 5 17 Littrell,P 10,564.25 20.00% 298.79 07/25/01 10,584.65
20 140 140 5 18 Lynn,A 8,932.07 20.00% 252.76 08/08/01 8,953.75
20 140 140 5 20 Wisdom,W 7,667.94 21.00% 290.81 01/12/01 7,718.94
20 140 140 5 21 Tucker,C 12,410.29 19.00% 347.25 08/02/01 12,542.10
20 140 140 5 22 Higgs,S 8,576.85 21.00% 249.83 08/23/01 8,682.00
20 140 140 5 23 Hart,O 11,571.95 21.00% 358.33 02/07/01 11,571.95
20 140 140 5 25 Barnabee,R 12,404.75 20.00% 350.18 08/09/01 12,404.75
20 140 140 5 26 King,J 8,457.10 21.00% 286.02 08/30/00 8,457.10
20 140 140 5 27 Devine,C 13,523.50 19.00% 374.43 08/01/01 13,523.50
14
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 160 160 5 34 Reeves,F 6,057.43 18.00% 274.04 08/09/00 7,580.39
20 160 160 5 35 Maltby,W 7,332.71 18.00% 202.94 02/20/01 7,991.91
20 160 160 5 38 Bailey,M 9,891.00 18.00% 275.27 08/07/01 10,840.22
20 160 160 5 40 Mumma,D 9,970.58 18.00% 332.49 07/19/01 11,296.80
20 160 160 8 37 Caldwell,S 9,932.94 18.00% 320.03 09/17/01 10,814.88
20 160 160 8 39 Croney,J 15,529.97 18.00% 460.77 01/04/01 16,845.82
20 170 170 5 1 Yancy,J 7,309.03 21.00% 240.40 07/17/01 7,763.50
20 170 170 5 2 Outlaw,C 9,363.80 20.00% 361.22 07/09/01 9,719.75
20 170 170 5 3 Ralph,S 8,303.48 21.00% 258.73 08/30/01 8,355.50
20 170 170 5 4 Lewis,B 8,759.49 21.00% 344.05 08/03/01 9,132.00
20 170 170 5 5 Elbrink,R 9,171.42 21.00% 321.46 09/25/00 9,504.75
20 170 170 5 6 Christian,M 11,593.50 19.00% 346.65 09/04/00 11,593.50
20 170 170 5 7 Piercefield,L 10,388.94 19.00% 290.39 01/24/01 10,488.25
20 170 170 5 8 Gribbins,R 10,287.00 20.00% 313.04 12/29/00 10,287.00
20 180 180 5 2 Martin,H 10,054.49 18.50% 314.79 03/20/01 10,621.66
20 180 180 5 5 Delrie,J 5,354.20 24.00% 248.62 12/26/00 7,019.82
20 180 180 5 6 Dufrene,A 10,396.01 24.00% 337.51 01/20/01 11,732.30
20 180 180 5 7 Gill,P 6,432.51 24.00% 259.47 04/04/01 7,326.25
20 180 180 5 8 Harris,J 9,132.98 24.00% 349.99 11/20/00 10,707.27
20 180 180 5 9 Lee,R 9,223.72 24.00% 414.73 06/28/01 10,571.03
20 180 180 5 12 Bonton,E 6,225.90 24.00% 249.33 03/13/01 7,647.75
20 180 180 5 16 Minniefield,J 5,953.19 24.00% 228.56 09/21/01 7,010.66
20 180 180 5 18 Nichols,C 7,146.52 24.00% 305.80 09/12/00 8,548.63
20 180 180 5 19 Sauls,A 9,578.69 18.00% 291.00 12/06/00 11,459.85
20 180 180 5 20 Scott,I 8,843.75 24.00% 350.00 09/17/01 9,882.20
20 180 180 5 22 Ward,D 12,260.31 24.00% 398.29 03/18/01 13,710.00
20 180 180 5 23 Powell,L 11,662.34 24.00% 375.42 12/01/00 13,049.99
20 180 180 5 25 Royal,B 9,824.39 22.00% 320.00 09/26/01 10,065.82
20 180 180 5 27 Granger,J 5,301.11 18.50% 310.27 03/14/01 6,185.00
20 180 180 5 28 Valentine,C 14,221.65 18.50% 399.89 03/17/01 14,584.60
20 180 180 5 30 Thomas,P 13,299.32 17.00% 340.50 03/08/01 13,700.80
20 180 180 5 31 Robins,J 13,960.98 18.50% 366.91 10/02/01 14,295.46
20 180 180 5 32 Courteaux,J 8,699.90 25.00% 399.74 09/19/01 8,851.22
20 180 180 5 33 Haefele,G 8,942.11 28.00% 371.54 12/08/00 8,975.47
20 180 180 5 34 Sturdivant,N 9,016.76 28.00% 449.91 04/01/01 9,629.63
20 180 180 5 35 Pharr,D 4,571.92 25.00% 226.18 04/04/01 5,008.18
20 180 180 5 36 Guffy,T 17,135.76 18.50% 440.17 09/24/01 17,150.00
20 180 180 8 3 Carbajal,A 14,199.04 24.00% 449.79 04/07/01 15,639.48
20 180 180 8 4 Carrero,C 17,066.09 24.00% 599.99 03/23/01 19,520.61
20 180 180 8 11 Barrilleaux,D 9,357.62 24.00% 320.00 09/19/01 10,508.41
20 180 180 8 24 Crumb,E 16,272.65 22.00% 572.96 09/29/01 16,681.00
20 190 190 3 158 Ehlers,L 13,090.21 18.00% 355.09 10/03/01 13,983.83
20 190 190 3 159 Libby,P 12,669.62 18.00% 351.90 09/15/01 13,858.26
20 190 190 3 160 StGelais,T 11,763.71 18.00% 329.57 09/11/01 12,978.62
20 190 190 3 231 Fernald,E 14,031.75 18.00% 362.80 06/08/00 14,287.36
20 190 190 4 217 Pineau,E 7,757.10 18.00% 274.45 03/26/01 8,506.50
20 190 190 4 251 Sirois,T 7,713.81 18.00% 257.19 06/17/01 7,971.50
20 190 190 5 138 Purington,R 8,807.92 18.00% 287.01 02/27/01 9,770.59
20 190 190 5 144 Choyce,R 6,926.11 18.00% 267.31 02/23/01 8,285.17
20 190 190 5 145 Williams,F 9,537.56 18.00% 314.90 04/06/01 10,720.12
20 190 190 5 146 Smith,W 12,977.41 18.00% 417.05 08/25/01 14,197.32
20 190 190 5 148 Krupp,P 9,676.29 18.00% 317.78 09/20/01 10,818.02
20 190 190 5 150 Savary,R 11,971.99 18.00% 362.90 06/14/01 13,359.43
20 190 190 5 152 Ames,A 10,973.20 18.00% 331.78 02/26/01 12,219.80
20 190 190 5 154 Custeau,L 6,762.96 18.00% 256.38 08/30/00 7,946.50
20 190 190 5 155 Rogers,R 6,555.08 18.00% 246.73 09/02/01 7,647.28
20 190 190 5 156 Guenette,M 8,866.68 18.00% 295.42 03/05/01 10,057.15
20 190 190 5 157 Chance,E 14,041.06 18.00% 423.63 03/29/01 15,602.58
20 190 190 5 170 Tuttle,A 6,926.39 18.00% 249.83 08/15/01 7,734.00
20 190 190 5 172 Leach,P 9,647.88 18.00% 267.95 09/17/01 9,869.00
20 190 190 5 173 Gousse,D 7,275.42 18.00% 269.26 03/05/01 8,345.70
20 190 190 5 174 Knox,D 7,851.96 18.00% 280.29 03/27/01 8,687.42
20 190 190 5 175 Audet,J 6,881.67 18.00% 283.21 03/10/01 7,834.00
20 190 190 5 176 Armstrong,G 6,670.45 18.00% 214.70 09/07/01 7,309.10
20 190 190 5 178 Eccleston,L 4,297.43 18.00% 211.72 02/15/01 5,084.70
20 190 190 5 179 Brann,G 4,558.97 18.00% 214.68 09/10/01 5,155.70
15
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 190 190 5 180 Arbo,J 6,783.24 18.00% 243.01 04/10/01 7,532.00
20 190 190 5 181 Woodbury,R 6,650.42 18.00% 207.57 09/15/01 7,064.20
20 190 190 5 182 Lovejoy,H 4,973.63 18.00% 178.87 03/27/01 5,544.20
20 190 190 5 183 Locke,C 6,476.39 18.00% 252.01 08/28/00 6,971.00
20 190 190 5 185 Michaud,K 8,081.75 18.00% 259.13 04/10/01 8,821.70
20 190 190 5 186 Peters,D 5,040.44 18.00% 202.23 04/24/01 5,594.00
20 190 190 5 188 Smith,W 5,710.09 18.00% 200.09 04/21/01 6,201.70
20 190 190 5 191 Mosher,B 4,314.64 18.00% 261.52 04/02/01 5,238.54
20 190 190 5 193 Pendley,C 10,636.06 18.00% 374.42 04/21/01 11,604.94
20 190 190 5 195 Coombs,C 5,658.14 18.00% 235.44 10/11/01 6,512.54
20 190 190 5 196 Brown,T 6,969.37 18.00% 245.83 04/16/01 7,620.00
20 190 190 5 197 Norwood,N 6,851.05 18.00% 216.95 04/16/01 7,385.70
20 190 190 5 198 Corson,L 4,920.08 18.00% 297.62 10/09/01 5,961.50
20 190 190 5 199 Barden,B 11,589.08 18.00% 331.27 08/12/00 12,201.00
20 190 190 5 200 Allen,R 10,466.22 18.00% 331.26 10/08/01 11,277.00
20 190 190 5 203 Parker,L 8,261.61 18.00% 260.21 04/16/01 8,858.52
20 190 190 5 204 Sargent,D 5,697.91 18.00% 230.32 08/07/00 6,371.00
20 190 190 5 205 Parent,W 6,587.90 18.00% 266.33 02/20/01 7,366.95
20 190 190 5 206 Drew,S 2,589.40 18.00% 157.49 09/02/00 3,154.50
20 190 190 5 207 Real,K 7,449.03 18.00% 293.61 08/24/00 8,121.70
20 190 190 5 208 Blouin,A 5,167.56 18.00% 248.65 08/09/00 5,971.70
20 190 190 5 209 Benning,T 9,399.20 18.00% 297.33 07/18/00 10,122.00
20 190 190 5 210 Faulkner,W 2,291.79 18.00% 140.16 08/08/00 2,807.50
20 190 190 5 211 Lieberman,D 7,885.81 18.00% 249.07 08/16/00 8,479.00
20 190 190 5 212 Sandberg,T 6,724.37 18.00% 237.17 03/21/01 7,351.00
20 190 190 5 213 Sargent,L 3,461.58 18.00% 166.93 09/30/01 4,009.00
20 190 190 5 215 Rancourt,C 8,640.34 18.00% 305.72 10/14/01 9,475.70
20 190 190 5 216 Mano,M 6,901.09 18.00% 238.04 11/16/00 7,378.00
20 190 190 5 218 Huard,D 7,696.45 18.00% 272.65 10/11/00 8,450.70
20 190 190 5 219 Killam,W 2,992.86 18.00% 171.12 11/04/00 3,427.70
20 190 190 5 220 White,J 7,822.15 18.00% 270.53 12/02/00 8,385.00
20 190 190 5 222 McKinley,R 4,132.85 18.00% 250.94 05/09/01 5,026.50
20 190 190 5 223 Bryant,S 6,588.12 18.00% 259.27 09/12/00 7,171.70
20 190 190 5 224 Clark,J 9,338.36 18.00% 322.97 11/15/00 10,010.34
20 190 190 5 225 Roy,J 4,132.05 18.00% 167.74 11/28/00 4,640.00
20 190 190 5 227 Stratton,T 9,349.84 18.00% 265.89 04/04/01 9,793.00
20 190 190 5 228 Oliver,R 7,529.13 18.00% 253.54 08/30/00 7,858.50
20 190 190 5 229 Pushard,A 4,188.02 18.00% 191.96 09/05/00 4,610.00
20 190 190 5 233 Knowlton,D 10,045.60 18.00% 303.73 03/30/01 10,340.00
20 190 190 5 234 Therrien,D 7,366.16 18.00% 229.14 12/15/00 7,800.70
20 190 190 5 235 Chadwick,M 3,335.66 18.00% 155.75 11/26/00 3,740.70
20 190 190 5 236 Makowski,S 5,713.77 18.00% 265.57 12/11/00 6,378.00
20 190 190 5 237 Tibbetts,M 9,513.17 18.00% 297.12 02/10/01 10,115.00
20 190 190 5 238 Bruneau,D 8,380.91 18.00% 234.13 01/04/01 8,623.50
20 190 190 5 239 Brougham,W 3,892.63 18.00% 175.19 08/22/00 4,207.50
20 190 190 5 240 Anthony,S 6,286.75 18.00% 217.52 03/06/00 6,742.00
20 190 190 5 241 Wood,D 6,237.42 18.00% 280.73 08/27/00 6,742.00
20 190 190 5 242 Martel,S 9,142.23 18.00% 402.36 06/11/01 9,662.95
20 190 190 5 244 Wood,S 5,024.81 18.00% 226.28 12/28/00 5,434.40
20 190 190 5 245 Tshornobia,B 7,043.95 18.00% 270.38 11/28/00 7,479.00
20 190 190 5 248 Reed,M 6,611.58 18.00% 199.60 12/11/00 6,795.00
20 190 190 5 249 Macomber,T 4,316.64 18.00% 228.47 08/23/01 4,576.50
20 190 190 5 250 Dugal,R 7,672.65 18.00% 286.30 02/28/01 7,919.50
20 190 190 5 252 Dyer,A 4,587.95 18.00% 171.39 03/15/01 4,740.70
20 190 190 5 253 Perkins,B 7,777.13 18.00% 292.60 05/30/01 8,093.70
20 190 190 5 254 Palmer,C 5,473.38 18.00% 181.61 11/16/00 5,629.00
20 190 190 5 255 Almaraz,J 7,485.52 18.00% 226.07 09/19/01 7,696.00
20 190 190 5 256 Vandyne,R 12,154.11 18.00% 363.98 05/29/00 12,391.00
20 190 190 5 257 Vandyne,R 5,390.53 18.00% 227.30 11/10/00 5,459.00
20 190 190 5 258 Gagne,C 12,689.70 18.00% 351.35 11/11/00 12,940.50
20 190 190 5 259 Reynolds,R 8,403.87 18.00% 273.87 03/14/01 8,488.50
20 190 190 5 260 Penny,D 6,565.60 18.00% 288.35 04/02/01 6,925.00
20 190 190 5 261 Bailey,E 3,744.12 18.00% 217.95 01/02/01 4,365.70
20 190 190 5 262 Gagnon,R 6,596.40 18.00% 219.15 09/23/00 6,792.60
20 190 190 5 263 Fontaine,P 10,298.61 18.00% 282.34 11/01/00 10,399.00
20 190 190 5 264 Micue,R 4,046.39 18.00% 172.69 04/06/01 4,147.50
16
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 190 190 5 265 Kuncewitch,R 8,199.66 18.00% 224.96 08/29/01 8,285.70
20 190 190 5 267 Buker,C 7,561.70 18.00% 243.97 03/01/01 7,561.70
20 190 190 7 221 Parker,J 10,605.82 18.00% 278.04 01/04/01 10,949.14
20 190 190 8 143 Day,K 8,581.60 18.00% 320.80 03/11/01 9,943.20
20 190 190 8 153 Harmon,L 8,891.95 18.00% 327.43 02/16/01 10,148.50
20 190 190 8 192 Holt,C 9,297.81 18.00% 327.98 04/29/01 10,165.70
20 190 190 8 201 Whittemore,D 5,695.98 18.00% 230.71 02/07/01 6,381.70
20 190 190 8 214 Gordon,P 5,425.66 18.00% 219.41 10/26/00 6,068.94
20 190 190 8 226 Coleman,D 8,828.52 18.00% 274.73 08/08/00 9,352.58
20 190 190 8 232 Maheu,S 7,568.98 18.00% 298.60 05/23/01 8,259.50
20 190 190 8 246 Kelly,T 6,396.47 18.00% 288.72 03/29/01 6,933.90
20 190 190 8 247 Munn,A 5,194.57 18.00% 200.27 03/27/00 5,539.50
20 200 200 1 77 Pittman,K 15,072.70 16.99% 437.12 02/28/01 17,475.55
20 200 200 2 103 Smith,Q 13,161.68 16.99% 354.09 02/28/01 14,150.50
20 200 200 2 111 Wiser,R 15,655.69 16.99% 389.00 07/31/01 15,655.69
20 200 200 3 109 Myers,K 14,085.68 16.99% 349.98 10/29/01 14,085.68
20 200 200 3 110 Mills,K 14,488.56 16.99% 360.00 10/12/00 14,488.56
20 200 200 4 76 Latta,M 12,841.63 20.00% 479.99 09/12/00 15,650.25
20 200 200 4 94 Nickens,K 15,176.18 16.99% 428.33 09/20/00 17,123.80
20 200 200 5 104 Pickle,L 5,264.57 20.00% 203.05 10/12/00 6,098.00
20 200 200 5 105 Gainer,J 11,102.65 20.00% 374.99 11/10/00 12,323.00
20 200 200 5 106 DeAtly,M 8,961.63 22.00% 335.47 07/15/01 9,680.50
20 200 200 5 107 Rock,L 9,218.08 25.00% 380.84 09/07/00 9,578.50
20 200 200 5 108 Judd,T 16,259.72 20.00% 494.78 04/07/01 16,259.72
20 210 210 4 254 Ceballos,M 7,102.46 21.00% 247.74 09/11/00 7,325.00
20 210 210 4 276 Zucchari,D 9,900.00 21.00% 372.98 04/06/01 9,900.00
20 210 210 5 162 Turner,R 5,786.95 18.00% 262.03 03/28/01 7,248.00
20 210 210 5 165 Case,H 4,831.91 21.00% 225.99 05/15/01 6,000.00
20 210 210 5 166 Prescod,D 11,501.88 19.00% 354.39 05/13/01 12,800.00
20 210 210 5 167 Lajoie,C 5,994.23 18.00% 232.29 06/16/01 7,199.50
20 210 210 5 168 Clark,J 5,099.25 18.00% 358.69 05/20/01 7,132.00
20 210 210 5 175 Roy,C 3,749.34 18.00% 209.92 05/15/01 5,041.50
20 210 210 5 176 Johnson,J 2,359.44 21.00% 179.85 06/15/01 3,500.00
20 210 210 5 177 Sincyr,C 5,631.85 18.00% 211.17 05/13/00 6,544.90
20 210 210 5 178 Bryant,L 8,517.22 19.00% 287.54 03/20/01 9,616.90
20 210 210 5 179 Barzey,J 5,834.84 20.00% 200.03 10/09/01 6,575.00
20 210 210 5 181 Castro,L 7,288.85 18.00% 199.75 11/30/00 7,866.00
20 210 210 5 182 Waitt,C 4,874.92 21.00% 220.40 02/14/01 5,850.00
20 210 210 5 183 Kleynen,K 6,371.83 21.00% 288.02 08/10/01 7,645.00
20 210 210 5 184 Smith,R 4,684.55 21.00% 179.25 08/11/01 5,300.00
20 210 210 5 185 Braley,K 7,111.68 18.00% 267.79 02/27/01 8,300.00
20 210 210 5 186 Roes,C 7,320.45 18.00% 275.70 02/19/01 8,545.00
20 210 210 5 187 White,M 5,199.41 18.00% 267.91 04/01/01 6,434.00
20 210 210 5 188 Simpson,D 3,526.53 21.00% 252.30 08/01/01 4,910.00
20 210 210 5 189 Smart,R 7,424.98 18.00% 239.38 03/20/01 8,149.00
20 210 210 5 190 Hatcher,J 11,498.96 19.00% 353.56 08/16/01 12,770.00
20 210 210 5 191 Cammarata,R 5,371.75 21.00% 234.34 08/20/01 6,220.00
20 210 210 5 194 Kinney,G 6,794.86 18.00% 226.57 02/02/01 7,713.00
20 210 210 5 197 Mathias,J 3,840.25 18.00% 256.75 08/05/01 5,143.00
20 210 210 5 198 Goff,M 6,548.53 18.00% 240.37 02/23/01 7,450.00
20 210 210 5 200 DiLorenzo,C 5,903.92 21.00% 313.12 07/30/00 7,260.00
20 210 210 5 201 Harding,C 3,154.00 21.00% 167.34 07/26/01 3,880.00
20 210 210 5 203 Brown,L 6,023.82 21.00% 234.71 07/28/01 6,940.00
20 210 210 5 204 White,K 6,333.25 18.00% 232.88 01/30/01 7,218.00
20 210 210 5 206 MacDonald,M 9,018.57 19.00% 291.18 08/27/01 9,738.55
20 210 210 5 207 Conrad,L 12,249.25 19.00% 403.65 08/01/01 13,500.00
20 210 210 5 208 Chisholm,W 9,615.34 19.00% 320.40 04/06/01 10,716.00
20 210 210 5 209 Santos,L 8,361.25 20.00% 312.99 09/29/01 9,400.00
20 210 210 5 210 Lawford,E 8,900.73 18.00% 325.57 02/01/01 10,091.00
20 210 210 5 211 Tucker,R 3,152.64 18.00% 211.18 07/22/01 4,230.00
20 210 210 5 212 Sylvia,D 3,854.91 18.00% 255.28 02/23/01 5,113.50
20 210 210 5 222 Fernandez,M 9,015.56 21.00% 356.64 08/22/01 10,017.75
20 210 210 5 224 Fournier,G 2,370.79 21.00% 154.16 04/03/01 3,000.00
20 210 210 5 226 Garrigon,L 4,588.41 21.00% 196.69 09/26/01 5,220.00
20 210 210 5 227 Greige,D 8,604.74 21.00% 322.74 06/17/01 9,545.00
20 210 210 5 228 Platanitis,J 7,038.91 21.00% 301.32 03/24/01 8,000.00
17
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 210 210 5 229 Petruzelli,A 7,967.89 21.00% 357.91 08/29/01 9,500.00
20 210 210 5 232 May,B 4,625.02 21.00% 197.93 03/27/01 5,255.00
20 210 210 5 233 Garrison,P 6,723.11 21.00% 247.67 09/27/01 7,325.00
20 210 210 5 234 Manon,F 4,601.16 21.00% 228.31 03/19/01 5,295.00
20 210 210 5 235 Omalley,K 5,368.32 21.00% 332.98 03/27/01 6,480.00
20 210 210 5 236 Kibbenberger,D 4,986.37 21.00% 247.72 09/27/01 5,745.00
20 210 210 5 237 Leonard,S 5,767.37 21.00% 242.25 09/26/01 6,430.00
20 210 210 5 239 Colwell,S 12,234.13 21.00% 407.10 12/14/00 13,150.00
20 210 210 5 240 Cuevas,A 6,466.80 21.00% 265.35 09/29/01 7,045.00
20 210 210 5 241 Pierre,J 6,977.44 21.00% 284.38 09/11/01 7,550.00
20 210 210 5 243 Tucker,D 6,250.80 21.00% 253.36 03/12/01 6,725.00
20 210 210 5 244 Mosley,D 5,536.32 21.00% 225.74 09/06/01 5,991.35
20 210 210 5 245 Lucius,T 5,251.55 21.00% 311.71 08/27/01 6,066.00
20 210 210 5 246 Filipe,J 9,848.51 21.00% 322.04 03/11/01 10,400.00
20 210 210 5 250 Symonds,M 5,749.31 21.00% 228.86 09/07/01 6,075.00
20 210 210 5 252 Kraus,R 5,044.24 21.00% 286.15 08/30/01 5,570.00
20 210 210 5 255 Hobbs,J 3,973.60 21.00% 180.27 09/07/01 4,180.00
20 210 210 5 256 Coyne,V 7,712.33 21.00% 308.93 09/14/01 8,200.00
20 210 210 5 257 Newsam,A 8,404.77 21.00% 336.25 09/14/01 8,925.00
20 210 210 5 259 Wilks,P 4,688.76 21.00% 188.17 03/13/01 4,995.00
20 210 210 5 260 Clements,M 6,199.16 21.00% 239.17 10/17/00 6,350.00
20 210 210 5 262 Fernandez,E 3,920.20 21.00% 215.82 06/06/01 4,200.00
20 210 210 5 263 Souza,R 8,904.65 21.00% 349.44 11/25/00 9,275.00
20 210 210 5 264 Dupere,R 4,224.90 21.00% 231.23 02/26/01 4,500.00
20 210 210 5 265 Rosa,G 6,203.45 21.00% 282.28 08/24/00 6,545.00
20 210 210 5 266 Leblanc,A 4,270.89 21.00% 188.69 09/30/00 4,375.00
20 210 210 5 267 Pelletier,R 4,875.30 21.00% 214.48 12/11/00 4,973.00
20 210 210 5 268 Beaulieu,B 4,678.59 21.00% 207.02 06/25/00 4,800.00
20 210 210 5 269 Pringle,D 5,597.38 21.00% 247.72 01/04/01 5,745.00
20 210 210 5 270 Grant,J 7,845.88 21.00% 301.40 07/11/01 8,000.00
20 210 210 5 271 Lewis,C 8,203.82 21.00% 316.40 12/20/00 8,400.00
20 210 210 5 272 Casey,E 5,158.20 21.00% 198.74 08/27/01 5,275.00
20 210 210 5 274 Long,T 4,143.35 21.00% 219.42 09/19/00 4,270.00
20 210 210 5 275 Wilson,M 8,500.00 21.00% 320.24 02/09/00 8,500.00
20 210 210 5 277 Dupree,D 3,500.00 21.00% 179.84 01/01/01 3,500.00
20 210 210 5 278 Poirier,M 7,400.00 21.00% 278.80 07/21/00 7,400.00
20 210 210 5 279 Sanborn,B 5,725.00 21.00% 246.92 12/09/00 5,725.00
20 210 210 5 281 Souther,T 5,700.00 21.00% 214.74 06/27/01 5,700.00
20 210 210 5 282 Kozlouskis,D 5,350.00 21.00% 230.74 12/26/00 5,350.00
20 210 210 5 284 Walker,P 4,492.00 21.00% 193.72 12/12/00 4,492.00
20 210 210 7 261 Magliocca,J 13,779.17 18.00% 355.51 10/09/00 14,000.00
20 210 210 8 164 Clark,R 5,368.39 21.00% 248.65 11/14/00 6,600.00
20 210 210 8 170 Brakle,B 4,477.03 18.00% 335.83 12/01/00 6,726.70
20 210 210 8 171 Hufford,T 6,060.75 18.00% 233.74 12/14/00 7,244.50
20 210 210 8 218 Walker,D 4,994.26 21.00% 264.82 09/07/00 6,140.00
20 210 210 8 258 Perez,T 2,775.17 21.00% 129.39 11/11/00 3,000.00
20 240 240 2 21 Ellzey,M 13,204.83 18.00% 369.93 07/26/00 14,563.84
20 240 240 2 22 Harper,J 17,646.12 18.00% 540.86 09/14/00 21,299.25
20 240 240 2 25 Matthews,L 13,259.77 18.00% 394.91 01/15/01 15,552.00
20 240 240 3 38 Morgan,H 21,978.53 17.00% 546.22 11/14/00 21,978.53
20 240 240 4 16 Hitchcock,D 10,053.66 21.00% 324.86 10/12/00 11,192.63
20 240 240 5 15 Carroll,J 8,893.83 17.95% 250.09 10/12/00 9,787.34
20 240 240 5 18 Buford,E 8,350.68 21.00% 268.18 10/15/00 9,319.44
20 240 240 5 20 Cosey,E 7,738.74 21.00% 279.13 04/26/01 8,941.25
20 240 240 5 23 Kelly,T 9,168.09 24.00% 350.87 10/24/00 10,762.44
20 240 240 5 26 Andrus,L 6,606.69 24.00% 235.00 10/09/00 7,717.00
20 240 240 5 27 Ware,W 5,163.21 24.00% 214.70 05/02/01 6,061.93
20 240 240 5 28 Chandler,B 9,836.38 21.00% 288.65 04/01/01 10,669.74
20 240 240 5 31 Small,W 8,024.88 21.00% 233.30 10/02/00 8,550.00
20 240 240 5 33 Byrd,J 20,126.24 17.00% 511.61 10/11/00 20,585.94
20 240 240 5 34 Walker,R 15,364.26 18.50% 398.51 09/25/00 15,526.68
20 240 240 5 35 Bennie,K 13,329.45 18.50% 400.41 07/21/00 13,510.73
20 240 240 5 36 Robbins,K 6,560.92 22.00% 229.08 08/10/00 6,669.41
20 240 240 5 39 Murdock,E 12,092.58 18.50% 331.56 07/23/00 12,092.58
20 240 240 8 24 KingJR,J 8,887.87 24.00% 410.84 07/26/00 11,600.00
20 290 290 5 10 Cassidy,L 4,945.10 21.00% 254.18 08/06/00 5,895.00
18
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 290 290 5 13 Carbonneau,W 3,226.01 21.00% 223.80 02/08/01 4,355.00
20 290 290 5 14 Holden,M 4,130.82 21.00% 204.87 08/11/00 4,750.00
20 290 290 5 15 Dillion,D 5,714.57 21.00% 280.34 09/22/00 6,500.00
20 290 290 5 16 Rogers,M 4,176.32 21.00% 206.81 08/11/00 4,795.00
20 290 290 5 18 Witham,K 7,680.29 21.00% 277.67 09/17/00 8,210.00
20 290 290 5 19 Duncanson,S 3,649.41 21.00% 181.50 09/19/00 4,199.00
20 290 290 5 21 Gauthier,A 6,149.79 21.00% 252.36 01/09/01 6,700.00
20 290 290 5 22 Garey,D 4,170.18 21.00% 169.49 08/15/01 4,500.00
20 290 290 5 23 Lavair,M 4,334.15 21.00% 209.08 07/21/01 4,849.00
20 290 290 5 24 Tellier,D 6,597.93 21.00% 270.44 01/07/01 7,180.00
20 290 290 5 25 Shaw,O 6,394.21 21.00% 265.72 11/27/00 7,053.00
20 290 290 5 27 Gagne,R 6,620.80 21.00% 271.26 03/29/01 7,200.00
20 290 290 5 29 Jones,T 6,955.73 21.00% 274.77 10/09/00 7,295.00
20 290 290 5 30 Smith,B 7,050.15 21.00% 273.75 11/09/00 7,266.00
20 290 290 5 31 Carr,J 9,128.72 21.00% 294.02 12/21/00 9,495.00
20 290 290 5 32 Waugh,H 4,551.06 21.00% 261.03 11/30/00 5,080.00
20 290 290 5 33 Morrison,S 3,784.79 21.00% 208.13 10/09/00 4,050.00
20 290 290 5 34 Fairfield,S 7,760.10 21.00% 273.10 02/12/01 8,075.00
20 290 290 5 35 Velazquez,N 8,264.64 21.00% 263.05 09/02/01 8,495.00
20 290 290 5 36 Wiggins,J 3,372.39 21.00% 184.99 03/16/01 3,600.00
20 290 290 5 37 Colby,T 6,412.01 21.00% 222.37 09/25/00 6,575.00
20 290 290 5 38 Desrochers,C 5,945.03 21.00% 227.21 02/20/01 6,030.00
20 290 290 5 39 Miller,D 6,050.00 21.00% 227.87 09/02/00 6,050.00
20 290 290 5 41 Pepler,M 4,195.00 21.00% 215.51 09/28/01 4,195.00
20 290 290 5 43 Santinelli,S 10,000.00 21.00% 338.12 01/17/01 10,000.00
20 290 290 8 17 Worcester,C 5,269.33 21.00% 221.10 02/11/01 5,870.00
20 290 290 8 20 Goldthwaite,S 7,925.53 21.00% 380.84 09/30/01 8,825.00
20 290 290 8 26 Pearo,A 5,475.21 21.00% 224.07 03/30/01 5,949.00
20 290 290 8 40 Morin,O 5,306.50 21.00% 204.64 03/28/01 5,433.00
20 300 300 5 1 Baugh,S 8,049.67 25.00% 369.48 10/17/01 9,200.00
20 300 300 5 2 Thompson,C 16,035.42 25.00% 627.47 10/01/01 17,450.00
20 300 300 5 4 Johnston,J 5,843.81 25.00% 262.99 04/08/01 6,614.30
20 330 330 1 1272 Grant,N 14,828.53 18.00% 390.00 10/13/01 15,358.50
20 330 330 1 1287 Dotson,R 15,165.12 18.00% 405.89 03/24/01 15,984.25
20 330 330 1 1319 Hamilton,D 14,597.29 18.00% 381.61 08/23/00 15,028.29
20 330 330 2 748 Parker,B 12,434.57 18.00% 347.67 02/09/01 13,590.95
20 330 330 2 753 Holland,I 10,456.30 18.00% 299.49 07/18/01 11,788.34
20 330 330 2 755 Scales,B 12,480.54 18.00% 349.98 10/02/01 13,681.46
20 330 330 2 756 Leathers,L 18,511.88 18.00% 521.33 03/27/01 20,379.39
20 330 330 2 757 Watson,I 10,973.06 18.00% 307.06 10/03/01 12,003.45
20 330 330 2 784 Dye,P 13,126.62 18.00% 369.31 09/18/01 14,436.76
20 330 330 2 799 Matthews,C 16,549.10 18.00% 465.07 07/25/00 18,314.47
20 330 330 2 863 Abernathy,R 14,935.03 18.00% 412.38 02/11/01 16,120.66
20 330 330 2 897 Breeden,A 13,152.41 18.00% 363.98 02/25/01 14,333.48
20 330 330 2 923 Coffey,D 13,433.15 18.00% 372.49 04/04/01 14,560.81
20 330 330 2 940 Barton,D 17,048.95 18.00% 473.00 08/15/01 18,627.09
20 330 330 2 981 Brown,T 13,911.58 18.00% 381.86 12/08/00 14,927.54
20 330 330 2 983 McConkey,K 13,863.55 20.00% 405.09 10/13/01 15,289.88
20 330 330 2 1009 Rhyne,R 26,093.91 18.00% 713.35 04/26/01 28,091.98
20 330 330 2 1013 Price,R 10,210.12 18.00% 275.97 08/20/00 10,788.04
20 330 330 2 1074 Johnson,D 12,947.31 18.00% 353.16 01/02/01 13,805.50
20 330 330 2 1076 Lee,M 12,323.83 18.00% 330.91 07/24/00 13,031.52
20 330 330 2 1081 Muncrief,S 12,637.74 18.00% 337.32 01/25/01 13,186.56
20 330 330 2 1087 Brown,M 17,665.59 18.00% 479.14 03/24/01 18,868.60
20 330 330 2 1096 Stanbury,G 11,529.66 18.00% 306.72 09/11/00 11,990.00
20 330 330 2 1104 HuffmasterJR,M 10,393.98 18.00% 280.12 05/23/01 10,950.00
20 330 330 2 1105 Griffith,J 18,785.04 18.00% 509.90 08/30/00 20,080.29
20 330 330 2 1125 Holt,R 12,947.58 18.00% 350.42 04/06/01 13,800.00
20 330 330 2 1154 Lambert,D 16,616.53 18.00% 462.23 11/08/00 18,069.22
20 330 330 2 1180 Cook,B 14,926.93 18.00% 399.95 02/22/01 15,750.00
20 330 330 2 1188 Morton,J 13,528.04 18.00% 359.95 10/06/01 14,175.09
20 330 330 2 1199 Shehan,A 11,528.13 18.00% 303.50 08/15/01 11,863.20
20 330 330 2 1230 Morris,O 13,861.80 18.00% 362.90 10/18/00 14,291.20
20 330 330 2 1257 Albritton,J 13,519.23 18.00% 358.96 09/30/00 14,136.10
20 330 330 2 1260 Rendleman,D 13,540.69 18.00% 358.14 10/10/00 14,000.00
20 330 330 2 1274 Wheeler,L 10,502.15 18.00% 272.06 04/11/01 10,714.17
19
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 330 330 2 1275 MillerJR,W 13,238.63 18.00% 350.00 04/25/01 13,783.29
20 330 330 2 1291 Clark,S 14,783.38 18.00% 383.28 03/20/01 14,982.79
20 330 330 2 1307 Davis,A 16,487.48 18.00% 428.92 04/27/01 16,765.63
20 330 330 2 1327 Payne,J 9,577.93 18.00% 260.40 05/15/00 10,254.70
20 330 330 2 1341 King,R 24,003.87 18.00% 624.98 05/15/01 24,730.32
20 330 330 2 1346 Falls,J 19,504.84 18.00% 508.65 03/30/01 20,030.97
20 330 330 2 1360 Ramirez,D 18,779.37 18.00% 490.98 03/14/01 19,335.12
20 330 330 2 1362 Davis,G 20,149.23 18.00% 527.17 04/04/01 20,607.81
20 330 330 2 1395 Andrews,A 16,637.73 18.00% 436.11 11/28/00 17,174.31
20 330 330 2 1409 Winter,D 15,271.57 18.00% 396.57 09/07/00 15,617.00
20 330 330 2 1427 Ward,G 16,051.09 18.00% 414.16 12/22/00 16,310.10
20 330 330 2 1439 Cruz,A 14,614.61 18.00% 377.83 02/15/01 14,879.17
20 330 330 2 1440 Dixon,T 14,263.27 18.00% 365.34 02/23/01 14,387.38
20 330 330 2 1451 McFatridge,C 14,234.41 18.00% 366.78 03/09/01 14,443.75
20 330 330 2 1473 Murray,M 18,806.21 18.00% 481.70 09/30/00 18,969.85
20 330 330 2 1486 Burdett,C 12,403.05 18.00% 317.08 09/08/00 12,486.74
20 330 330 2 1550 Massey,D 16,904.43 18.00% 429.26 09/19/00 16,904.43
20 330 330 2 1578 Dingess,M 10,021.25 16.99% 248.99 09/27/00 10,021.25
20 330 330 3 770 Andrew,K 13,162.38 18.00% 369.56 05/07/01 14,446.81
20 330 330 3 821 Whicker,S 22,450.34 18.00% 629.64 05/22/01 24,613.42
20 330 330 3 876 Jones,P 23,677.94 18.00% 646.00 11/29/00 25,253.20
20 330 330 3 905 Swink,L 11,577.17 18.00% 320.99 07/24/00 12,548.11
20 330 330 3 926 Fields,C 12,713.63 18.00% 353.98 08/18/01 13,837.75
20 330 330 3 928 Morris,R 11,059.88 18.00% 300.85 07/14/01 11,760.69
20 330 330 3 933 Taylor,J 20,113.85 18.00% 548.60 04/23/01 21,445.67
20 330 330 3 943 Wilson,P 11,915.43 18.00% 323.37 08/15/01 12,641.13
20 330 330 3 985 Harding,R 10,750.53 18.00% 299.73 08/16/01 11,803.60
20 330 330 3 989 Osborn,A 13,459.86 18.00% 369.54 12/27/00 14,445.75
20 330 330 3 1069 Hope,G 13,705.39 18.00% 370.02 08/14/01 14,464.53
20 330 330 3 1232 Viracola,R 19,001.30 18.00% 505.26 08/22/01 19,749.50
20 330 330 3 1251 Watlington,H 12,471.50 18.00% 327.58 03/15/01 12,900.00
20 330 330 3 1265 Hyman,B 14,216.77 18.00% 406.55 07/12/01 14,862.17
20 330 330 3 1273 Hobbs,M 12,588.64 18.00% 333.66 06/29/01 13,043.20
20 330 330 3 1281 Wallace,M 13,701.06 18.00% 358.70 12/28/00 14,020.74
20 330 330 3 1329 Horton,D 14,984.02 18.00% 398.94 12/06/00 15,710.48
20 330 330 3 1340 Woodruff,L 14,564.41 18.00% 381.37 06/13/01 15,018.41
20 330 330 3 1348 Griffin,R 14,484.53 18.00% 377.17 06/12/01 14,853.40
20 330 330 3 1364 Henderson,M 12,482.27 18.00% 320.92 11/21/00 12,637.99
20 330 330 3 1406 Smalling,M 13,318.96 18.00% 344.44 01/05/01 13,464.48
20 330 330 3 1411 Akers,B 14,694.14 18.00% 379.79 12/21/00 14,956.28
20 330 330 3 1413 Lane,K 12,836.61 18.00% 331.58 06/28/01 13,058.07
20 330 330 3 1417 Johnson,R 24,575.79 18.00% 630.12 06/26/01 24,814.32
20 330 330 3 1430 Nichols,K 26,300.73 18.00% 672.30 06/27/01 26,300.73
20 330 330 3 1433 Bragg,D 12,509.12 18.00% 321.97 06/25/01 12,679.00
20 330 330 3 1438 Chambers,C 12,333.28 18.00% 315.50 02/16/01 12,333.28
20 330 330 3 1450 Huskey,L 18,535.10 18.00% 475.81 01/13/01 18,598.19
20 330 330 3 1452 Crawford,M 11,146.02 18.00% 285.49 03/06/01 11,243.00
20 330 330 3 1458 Cherry,C 17,820.09 18.00% 456.22 08/09/00 17,966.21
20 330 330 3 1468 Crusenberry,D 22,514.98 18.00% 577.98 02/28/01 22,591.62
20 330 330 3 1514 Hampton,J 18,743.53 18.00% 475.96 03/02/01 18,743.53
20 330 330 3 1525 Klinefelter,J 14,693.43 18.00% 373.76 02/28/01 14,704.62
20 330 330 3 1530 Bower,J 17,290.31 18.00% 442.30 08/16/00 17,290.31
20 330 330 3 1538 Gordon,L 13,170.65 18.00% 354.27 02/28/01 13,951.27
20 330 330 3 1545 Tedder,J 20,541.26 18.00% 521.61 04/10/01 20,541.26
20 330 330 3 1557 Blair,H 14,597.95 18.00% 370.69 03/19/01 14,597.95
20 330 330 3 1561 Padgett,D 14,121.29 18.00% 358.58 02/25/01 14,121.29
20 330 330 3 1562 Egerton,A 20,665.66 18.00% 524.77 09/15/00 20,665.66
20 330 330 3 1563 Phillips,T 15,657.27 18.00% 397.59 09/04/00 15,657.27
20 330 330 3 1577 Blair,L 21,067.24 18.00% 534.96 09/15/00 21,067.24
20 330 330 3 1579 Ballentine,T 19,343.46 18.00% 491.19 02/16/01 19,343.46
20 330 330 4 791 McClure,S 13,296.65 18.00% 369.14 10/18/00 14,430.31
20 330 330 4 825 Hush,E 13,177.66 18.00% 369.88 05/03/01 14,565.99
20 330 330 4 920 Maynor,C 12,244.22 18.00% 369.40 10/04/00 13,571.63
20 330 330 4 990 Outlaw,S 8,778.93 20.00% 318.35 04/25/01 9,560.92
20 330 330 4 1000 Lewis,L 10,652.16 18.00% 310.71 10/08/00 11,358.50
20 330 330 4 1006 Hammonds,G 13,473.17 18.00% 390.41 10/07/00 14,321.86
20
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 330 330 4 1091 Best,R 10,917.76 20.00% 350.00 10/10/00 11,501.84
20 330 330 4 1167 Watson,R 12,242.98 18.00% 352.28 10/12/00 12,879.50
20 330 330 4 1196 BanksJR,P 7,272.39 20.00% 299.89 04/01/01 8,069.50
20 330 330 4 1276 Day,D 15,744.08 18.00% 407.08 01/05/01 16,031.00
20 330 330 4 1277 Barnes,P 12,707.78 20.00% 407.63 04/24/01 13,395.55
20 330 330 4 1306 Rogers,C 17,380.64 18.00% 449.18 09/09/01 17,688.97
20 330 330 4 1311 WilliamsJR,J 13,854.66 18.00% 361.47 01/10/01 14,234.94
20 330 330 4 1349 MURRIELL,L 7,740.70 20.00% 244.36 04/02/01 8,030.30
20 330 330 4 1361 Powell,K 18,572.04 18.00% 475.68 01/01/01 18,732.76
20 330 330 4 1379 Berry,S 15,268.34 18.00% 395.90 01/01/01 15,591.02
20 330 330 4 1385 Jones,T 11,888.20 18.00% 307.69 11/06/00 12,116.92
20 330 330 4 1400 Richardson,E 7,758.91 20.00% 266.54 03/06/01 8,005.00
20 330 330 4 1465 Benson,S 17,415.38 18.00% 447.41 01/27/01 17,619.50
20 330 330 4 1477 Tate,C 7,685.76 18.00% 229.35 08/19/01 7,807.95
20 330 330 4 1537 Thompson,K 15,039.56 18.00% 381.90 12/15/00 15,039.56
20 330 330 4 1541 Rutherford,S 14,386.17 18.00% 365.31 01/04/01 14,386.17
20 330 330 4 1572 Felder,D 10,209.49 18.00% 259.25 01/22/01 10,209.49
20 330 330 5 643 Ollison,M 9,085.61 18.00% 312.08 08/24/01 11,494.25
20 330 330 5 743 Franklin,S 10,656.54 18.00% 304.66 02/05/01 11,997.64
20 330 330 5 744 Stewart,R 10,212.70 18.00% 316.96 05/23/01 11,674.02
20 330 330 5 746 Wheeler,M 14,849.88 18.00% 418.20 09/18/01 16,348.00
20 330 330 5 750 Beary,Y 10,689.46 18.00% 360.01 05/25/01 12,255.85
20 330 330 5 751 Kane,J 5,859.21 18.00% 198.53 09/14/01 6,758.80
20 330 330 5 754 McCrea,A 9,264.21 18.00% 283.48 03/29/01 10,440.86
20 330 330 5 758 Broadie,D 14,434.55 18.00% 476.97 08/24/01 16,125.95
20 330 330 5 760 Williams,J 11,964.81 18.00% 334.85 08/12/01 13,089.81
20 330 330 5 761 Watson,C 10,317.14 20.00% 395.71 09/13/01 11,787.31
20 330 330 5 762 Winston,T 11,457.26 18.00% 327.40 02/28/01 12,798.71
20 330 330 5 763 Mirabella,C 14,290.80 18.00% 398.51 09/02/01 15,578.28
20 330 330 5 765 Cooke,J 12,676.91 18.00% 348.07 08/30/01 13,606.81
20 330 330 5 767 Pittman,B 7,068.10 18.00% 271.90 02/28/01 8,373.86
20 330 330 5 771 Conrad,K 16,708.64 18.00% 464.11 04/05/01 18,142.81
20 330 330 5 775 Troy,S 13,820.57 18.00% 389.36 10/03/01 15,333.23
20 330 330 5 776 Seely,T 12,081.82 18.00% 338.81 06/18/01 13,244.81
20 330 330 5 778 Nicholson,A 11,548.93 20.00% 409.98 09/28/01 13,473.05
20 330 330 5 779 Bost,T 10,377.17 18.00% 296.53 04/05/01 11,677.63
20 330 330 5 780 Randall,D 7,581.05 18.00% 224.55 09/28/01 8,209.81
20 330 330 5 781 Pasour,D 15,430.75 18.00% 433.34 01/22/01 16,939.81
20 330 330 5 782 Rhodes,T 13,197.69 18.00% 365.00 10/10/01 14,373.99
20 330 330 5 785 Donnell,M 10,668.53 18.00% 362.05 09/14/01 12,234.67
20 330 330 5 786 Scotten,S 8,248.32 18.00% 258.71 07/16/01 9,458.70
20 330 330 5 787 Myers,R 18,277.72 18.00% 512.88 06/29/00 20,049.31
20 330 330 5 790 Wray,E 12,941.62 18.00% 429.45 07/19/01 14,512.31
20 330 330 5 792 Cathey,M 6,011.58 20.00% 236.48 07/13/01 7,102.30
20 330 330 5 793 Collette,S 8,494.30 18.00% 260.85 03/18/01 9,536.81
20 330 330 5 794 Heath,C 9,563.98 18.00% 265.04 01/25/01 10,360.81
20 330 330 5 795 Keller,M 10,983.06 18.00% 308.80 06/18/01 12,071.34
20 330 330 5 796 Pettis,P 16,603.95 18.00% 496.81 01/08/01 18,163.63
20 330 330 5 797 Wood,E 10,006.17 18.00% 310.98 04/03/01 11,369.78
20 330 330 5 798 McDuffie,T 9,042.67 18.00% 299.37 07/11/01 10,126.55
20 330 330 5 801 Moore,K 11,298.56 18.00% 334.40 06/17/01 12,226.00
20 330 330 5 802 Smith,P 6,745.04 20.00% 255.63 01/11/01 7,677.24
20 330 330 5 804 Wells,F 5,775.76 20.00% 228.94 07/17/00 6,830.99
20 330 330 5 805 StokesIII,E 12,817.02 18.00% 355.54 09/17/01 13,898.81
20 330 330 5 807 Heathman,L 12,777.55 18.00% 350.86 03/20/01 13,715.86
20 330 330 5 808 Shoffner,T 11,686.33 20.00% 400.99 03/17/01 13,069.94
20 330 330 5 810 Conner,K 9,340.37 20.00% 319.38 09/21/01 10,409.85
20 330 330 5 811 IkardJR,S 15,479.90 18.00% 435.96 11/01/00 17,168.27
20 330 330 5 814 Tutt,J 9,812.66 18.00% 293.83 09/13/01 10,741.50
20 330 330 5 815 McLamb,R 7,946.95 20.00% 313.91 08/30/01 9,350.70
20 330 330 5 818 Keen,G 10,127.20 18.00% 299.29 08/24/01 11,023.27
20 330 330 5 819 Brooks,B 10,846.07 18.00% 329.92 02/28/01 12,150.98
20 330 330 5 820 McCluney,R 13,711.25 18.00% 382.56 08/19/01 15,065.50
20 330 330 5 822 Kennedy,T 8,327.99 18.00% 278.35 02/22/01 9,405.26
20 330 330 5 823 Jackson,J 17,398.53 18.00% 518.66 03/03/01 18,962.55
20 330 330 5 827 Wiggins,G 13,655.08 18.00% 410.73 03/17/01 15,014.99
21
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 330 330 5 828 McNeil,C 10,874.56 18.00% 305.94 02/28/01 11,959.80
20 330 330 5 831 Johnson,J 8,871.42 20.00% 348.77 08/15/01 10,389.23
20 330 330 5 833 Lamkin,K 9,185.71 20.00% 405.75 07/06/01 10,829.00
20 330 330 5 834 Vann,E 9,347.89 18.00% 311.90 09/03/01 10,545.28
20 330 330 5 836 Messer,D 15,669.28 18.00% 473.14 01/18/01 17,298.31
20 330 330 5 837 Hancock,B 10,226.15 18.00% 281.77 07/24/01 11,014.81
20 330 330 5 838 McCosh,J 16,033.22 18.00% 482.03 03/14/01 17,623.09
20 330 330 5 841 Splawn,J 13,274.88 18.00% 362.16 07/29/01 14,157.32
20 330 330 5 842 StoweJR,M 15,608.28 18.00% 472.14 01/15/01 17,261.81
20 330 330 5 844 Good,W 10,191.48 18.00% 339.18 01/29/01 11,461.81
20 330 330 5 846 Wayne,A 12,586.10 18.00% 350.00 02/23/01 13,680.68
20 330 330 5 847 Britt,C 15,803.87 18.00% 472.44 08/26/01 17,272.81
20 330 330 5 849 Braybrooks,R 12,342.09 18.00% 379.02 03/17/01 13,959.55
20 330 330 5 852 Suggs,M 12,530.19 18.00% 375.27 03/07/01 13,718.87
20 330 330 5 853 Sims,J 13,636.74 18.00% 385.76 02/16/01 15,079.81
20 330 330 5 854 Teague,D 8,124.89 18.00% 267.56 01/12/01 9,041.81
20 330 330 5 855 Madray,J 19,675.77 18.00% 575.77 03/23/01 21,050.50
20 330 330 5 857 Davis,C 5,392.62 20.00% 241.95 10/11/01 6,509.80
20 330 330 5 858 Bennet,R 10,055.61 20.00% 448.04 04/04/01 12,055.87
20 330 330 5 859 Wyrick,P 10,223.05 18.00% 338.83 10/09/01 11,534.35
20 330 330 5 860 Walington,M 12,543.75 18.00% 344.44 10/17/01 13,564.23
20 330 330 5 864 Heath,P 8,976.86 20.00% 307.43 10/03/01 10,102.64
20 330 330 5 865 RayIII,F 8,606.65 18.00% 285.86 09/27/01 9,660.00
20 330 330 5 866 Josker,D 10,606.65 20.00% 422.56 10/11/01 12,690.45
20 330 330 5 871 Mozell,H 13,834.27 18.00% 417.29 10/14/01 15,256.31
20 330 330 5 872 Hoyle,P 11,408.33 20.00% 388.70 06/30/00 12,773.50
20 330 330 5 873 Onyemelukwe,A 10,710.09 20.00% 381.42 09/27/01 12,432.05
20 330 330 5 874 Barnett,P 9,644.41 18.00% 327.91 03/27/01 11,163.11
20 330 330 5 877 Harris,T 11,907.49 18.00% 328.53 02/16/01 12,937.63
20 330 330 5 880 CollinsJR,H 15,400.69 18.00% 465.44 12/11/00 17,014.99
20 330 330 5 881 Novitsky,J 14,209.96 18.00% 472.33 09/19/01 15,959.85
20 330 330 5 882 Taylor,L 11,113.46 18.00% 394.68 09/16/01 12,142.96
20 330 330 5 886 Betti,G 7,534.38 18.00% 250.14 03/14/01 8,452.95
20 330 330 5 888 Britt,M 11,657.19 18.00% 352.44 03/13/01 12,885.31
20 330 330 5 889 Pruitt,C 12,596.62 18.00% 379.72 03/12/01 13,985.45
20 330 330 5 891 GaryShepard,C 10,000.87 18.00% 333.05 02/28/01 11,338.21
20 330 330 5 892 Bentley,D 14,125.00 18.00% 399.75 02/28/01 15,742.51
20 330 330 5 893 Hughes,P 8,056.65 18.00% 268.78 03/01/01 9,082.81
20 330 330 5 896 Hooks,P 20,775.42 18.00% 577.67 09/21/01 22,581.79
20 330 330 5 900 Outlaw,H 11,553.40 20.00% 389.00 11/03/00 12,677.80
20 330 330 5 902 Smith,A 14,644.27 18.00% 449.42 02/10/01 16,431.13
20 330 330 5 903 Lambeth,C 7,417.10 18.00% 247.89 02/22/01 8,377.01
20 330 330 5 904 Thomas,C 7,512.71 18.00% 250.44 02/19/01 8,463.24
20 330 330 5 908 Phillips,R 16,183.81 18.00% 473.32 04/13/01 17,304.81
20 330 330 5 909 Porter,T 8,206.40 18.00% 269.72 04/12/01 9,114.58
20 330 330 5 911 Lane,T 12,802.08 18.00% 376.36 04/02/01 13,759.81
20 330 330 5 914 Miller,L 12,815.86 20.00% 439.68 04/15/01 14,377.08
20 330 330 5 916 Foust,E 12,883.82 18.00% 385.28 04/14/01 14,190.14
20 330 330 5 917 Rodriguez,C 8,880.27 18.00% 285.26 04/10/01 9,639.81
20 330 330 5 918 Morgan,M 12,373.86 18.00% 374.01 04/10/01 13,775.00
20 330 330 5 921 Shores,R 13,423.11 18.00% 375.87 03/18/01 14,801.96
20 330 330 5 924 Johnson,F 2,261.55 28.00% 170.68 03/18/01 3,109.46
20 330 330 5 927 Anderson,H 7,191.46 18.00% 240.60 04/16/01 8,130.81
20 330 330 5 929 Allen,R 14,169.23 18.00% 428.05 04/27/01 15,649.81
20 330 330 5 931 Howell,C 9,648.61 20.00% 430.76 04/13/01 11,590.75
20 330 330 5 932 Draper,J 8,686.06 20.00% 377.52 02/11/01 10,075.66
20 330 330 5 934 Hanna,B 13,855.20 18.00% 385.28 07/02/01 15,061.31
20 330 330 5 936 Keen,F 11,589.30 18.00% 320.00 01/12/01 12,601.84
20 330 330 5 941 Morrow,E 8,557.35 18.00% 259.84 10/11/01 9,499.81
20 330 330 5 942 Hudspeth,B 15,788.29 18.00% 428.90 07/07/01 16,766.48
20 330 330 5 945 Covington,K 11,203.69 18.00% 303.89 07/02/01 11,967.00
20 330 330 5 948 Cain,E 8,070.59 20.00% 361.90 05/15/01 9,738.00
20 330 330 5 949 Gill,J 14,051.17 20.00% 539.63 06/06/01 16,206.21
20 330 330 5 950 Joyner,C 8,703.50 20.00% 388.54 05/17/01 10,369.86
20 330 330 5 951 Alexander,E 9,691.65 18.00% 288.01 05/16/01 10,529.74
20 330 330 5 959 McMahon,E 14,684.25 18.00% 409.85 04/25/01 16,140.38
22
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 330 330 5 960 Gerald,L 8,990.72 18.00% 300.00 03/08/01 10,212.77
20 330 330 5 961 Forester,P 8,443.15 18.00% 273.25 10/26/00 9,233.92
20 330 330 5 963 Jackson,C 8,407.08 18.00% 275.00 01/03/01 9,361.57
20 330 330 5 965 Ingram,R 7,989.76 20.00% 299.16 12/30/00 8,984.49
20 330 330 5 966 Moten,C 9,409.44 18.00% 277.07 12/25/00 10,129.81
20 330 330 5 967 Waddell,M 12,215.36 18.00% 400.03 07/13/01 13,617.94
20 330 330 5 970 Black,V 13,579.40 20.00% 455.16 06/29/01 14,957.48
20 330 330 5 971 Kozak,A 14,879.82 18.00% 442.81 01/08/01 16,309.00
20 330 330 5 972 Dunn,T 17,176.30 18.00% 460.52 01/19/01 18,135.48
20 330 330 5 977 BullaJR,T 10,070.80 20.00% 377.16 07/01/01 11,327.01
20 330 330 5 980 Heider,J 15,355.97 18.00% 463.33 06/27/01 17,064.60
20 330 330 5 991 Messer,E 8,551.57 18.00% 320.40 06/22/01 9,857.85
20 330 330 5 993 Barfield,R 7,532.57 20.00% 285.66 07/20/01 8,579.34
20 330 330 5 996 Merrill,R 15,749.85 18.00% 468.41 07/14/01 17,125.16
20 330 330 5 997 Boyd,C 8,738.17 20.00% 379.25 01/14/01 10,121.89
20 330 330 5 999 Helms,T 14,544.52 18.00% 431.20 01/02/01 15,764.81
20 330 330 5 1001 Johnson,T 9,606.48 25.00% 528.12 01/14/01 11,574.81
20 330 330 5 1002 Beheler,L 9,389.70 18.00% 314.26 01/25/01 10,619.81
20 330 330 5 1007 Lambeth,R 12,478.92 18.00% 372.94 01/18/01 13,634.81
20 330 330 5 1008 Smith,D 8,630.33 20.00% 386.46 01/23/01 10,399.10
20 330 330 5 1010 Orren,J 12,593.45 18.00% 372.48 07/10/01 13,617.92
20 330 330 5 1015 Ruff,S 5,278.32 20.00% 230.42 01/14/01 6,200.00
20 330 330 5 1051 Clifton,I 6,800.41 18.00% 222.38 07/15/00 7,570.10
20 330 330 5 1070 Griffen,P 14,132.06 18.00% 398.84 07/23/01 14,689.50
20 330 330 5 1071 Davis,S 10,990.64 18.00% 320.75 02/27/01 11,813.67
20 330 330 5 1072 Collins,P 14,762.96 20.00% 499.99 12/24/00 16,430.63
20 330 330 5 1075 Jackson,J 8,538.88 18.00% 250.30 09/25/01 9,218.70
20 330 330 5 1077 Spann,J 13,306.08 18.00% 365.38 12/22/00 14,389.01
20 330 330 5 1078 Kopicko,N 15,597.59 17.00% 414.06 07/17/01 16,660.70
20 330 330 5 1082 Brantley,D 11,046.84 18.00% 323.12 11/07/00 11,813.30
20 330 330 5 1083 Conger,L 11,404.84 18.00% 308.65 10/25/00 12,065.81
20 330 330 5 1085 Fortner,P 13,697.91 18.00% 398.62 11/09/00 14,681.30
20 330 330 5 1088 Summers,G 12,701.41 18.00% 371.72 11/18/00 13,690.69
20 330 330 5 1089 Aycock,R 10,661.60 20.00% 353.28 11/26/00 11,609.50
20 330 330 5 1093 Smith,M 12,488.81 18.00% 338.71 10/16/00 13,240.70
20 330 330 5 1094 Hamilton,J 10,126.39 18.00% 333.56 11/22/00 11,355.57
20 330 330 5 1095 Chumley,S 14,992.93 18.00% 406.33 12/15/00 15,884.00
20 330 330 5 1097 Houck,T 10,708.45 18.00% 289.44 12/08/00 11,314.56
20 330 330 5 1099 Eller,D 13,408.69 20.00% 498.34 10/25/00 14,966.14
20 330 330 5 1106 Wright,L 8,210.82 20.00% 303.83 10/08/00 9,050.55
20 330 330 5 1108 Stone,D 18,963.44 18.00% 497.10 10/10/00 19,575.94
20 330 330 5 1109 Cook,R 9,468.62 18.00% 277.21 12/17/00 10,134.85
20 330 330 5 1111 Garner,A 16,012.92 18.00% 468.24 01/03/01 17,245.55
20 330 330 5 1113 Sanger,R 14,154.77 18.00% 382.48 01/05/01 14,951.34
20 330 330 5 1120 Jefferson,R 8,060.67 20.00% 298.48 12/20/00 8,964.00
20 330 330 5 1121 Chase,W 15,249.05 18.00% 455.45 01/05/01 16,774.50
20 330 330 5 1122 Turnage,K 9,409.63 18.00% 275.44 12/15/00 10,144.77
20 330 330 5 1126 Rizzo,C 16,966.37 18.00% 496.28 08/31/00 18,278.34
20 330 330 5 1127 Johnson,D 9,683.33 18.00% 310.80 11/12/00 10,580.47
20 330 330 5 1132 Carmichael,W 9,892.91 18.00% 315.97 09/14/00 10,677.70
20 330 330 5 1134 Hamilton,S 13,434.65 18.00% 399.94 08/30/00 14,730.22
20 330 330 5 1135 Summerville,F 7,173.54 20.00% 239.00 01/20/01 7,854.00
20 330 330 5 1138 Cogdell,T 6,788.17 25.00% 295.85 12/30/00 7,441.05
20 330 330 5 1143 Carpenter,J 16,636.90 18.00% 441.23 12/06/00 17,248.35
20 330 330 5 1145 Williams,H 12,328.46 18.00% 353.38 08/08/01 13,015.25
20 330 330 5 1151 Prince,W 13,183.70 18.00% 384.52 01/23/01 14,162.18
20 330 330 5 1152 Boger,L 10,268.38 18.00% 274.39 02/06/01 10,726.31
20 330 330 5 1153 Mcculley,J 10,556.32 18.00% 301.58 02/11/01 11,107.57
20 330 330 5 1155 Fate,J 6,208.69 20.00% 223.92 03/01/01 6,724.87
20 330 330 5 1157 Swaney,R 13,707.84 18.00% 372.07 02/09/01 14,652.33
20 330 330 5 1158 Pilley,J 16,145.97 18.00% 497.50 02/15/01 16,812.06
20 330 330 5 1160 Pressley,S 16,829.26 18.00% 450.53 03/04/01 17,612.00
20 330 330 5 1161 Routh,R 8,101.59 18.00% 251.54 09/16/01 8,500.00
20 330 330 5 1162 Alston,P 8,351.94 18.00% 300.12 01/21/01 9,302.17
20 330 330 5 1163 Packard,J 9,157.05 18.00% 293.43 08/19/01 9,989.30
20 330 330 5 1164 Floyd,K 6,274.39 20.00% 260.42 01/23/01 7,007.14
23
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 330 330 5 1165 Lennon,W 12,564.01 18.00% 361.63 08/06/01 13,319.34
20 330 330 5 1166 Wright,C 11,117.39 18.00% 325.02 12/22/00 11,970.67
20 330 330 5 1168 Edwards,A 8,964.63 18.00% 284.41 08/14/01 9,611.27
20 330 330 5 1170 Ridge,C 8,309.45 20.00% 290.68 08/21/01 8,730.00
20 330 330 5 1171 Brown,K 10,807.49 20.00% 399.55 02/19/01 11,999.70
20 330 330 5 1172 Bennett,D 6,649.83 20.00% 241.16 08/20/01 7,183.50
20 330 330 5 1174 White,C 2,542.85 28.00% 162.40 01/29/01 2,958.59
20 330 330 5 1176 Beatty,W 8,892.85 20.00% 329.99 03/04/01 9,910.72
20 330 330 5 1177 Highes,S 7,701.82 20.00% 250.14 12/31/00 8,220.31
20 330 330 5 1182 Miller,R 14,372.40 20.00% 513.46 02/21/01 15,295.00
20 330 330 5 1184 ClarkJR,J 12,751.96 18.00% 339.09 02/28/01 13,353.64
20 330 330 5 1185 Nail,D 12,458.94 18.00% 330.24 03/16/01 13,005.32
20 330 330 5 1187 Hinson,C 13,662.92 18.00% 395.26 09/11/01 14,557.84
20 330 330 5 1189 Stewart,N 9,540.80 18.00% 256.25 07/21/01 10,016.15
20 330 330 5 1192 Maiers,K 10,005.26 18.00% 293.21 06/03/01 10,799.14
20 330 330 5 1193 Navey,L 11,997.13 20.00% 382.18 02/14/01 12,455.67
20 330 330 5 1195 Cannon,L 14,470.52 18.00% 385.94 07/21/01 15,198.58
20 330 330 5 1197 Roberts,J 15,487.03 18.00% 442.86 01/28/01 16,310.80
20 330 330 5 1198 Innman,L 5,930.93 25.00% 293.91 01/26/01 6,507.80
20 330 330 5 1201 Maney,E 9,851.75 18.00% 260.78 06/04/01 10,193.17
20 330 330 5 1202 Holt,S 13,438.99 18.00% 388.54 01/21/01 14,310.48
20 330 330 5 1203 Riley,A 11,762.12 18.00% 349.71 07/16/00 12,880.16
20 330 330 5 1204 Jones,D 12,302.33 18.00% 347.85 01/17/01 12,811.69
20 330 330 5 1205 Jackson,L 6,630.10 20.00% 266.75 01/31/01 7,118.67
20 330 330 5 1206 Wise,T 5,955.08 20.00% 239.79 08/10/01 6,399.77
20 330 330 5 1207 Walton,K 10,626.51 20.00% 347.97 06/08/01 11,435.21
20 330 330 5 1208 McCrorey,L 14,455.04 18.00% 383.74 03/23/01 14,999.40
20 330 330 5 1209 Hicklin,C 15,112.39 18.00% 405.00 10/09/01 15,949.20
20 330 330 5 1210 Williams,Y 7,706.23 18.00% 231.86 09/27/01 7,834.36
20 330 330 5 1213 Little,M 13,379.66 18.00% 352.94 09/27/01 13,899.04
20 330 330 5 1214 Dill,D 9,660.67 18.00% 258.12 01/15/01 10,164.91
20 330 330 5 1217 Byers,W 18,038.72 18.00% 470.33 01/30/01 18,457.49
20 330 330 5 1218 Lee,R 17,829.00 18.00% 469.11 08/04/01 18,473.99
20 330 330 5 1219 Haywood,F 16,969.01 18.00% 449.93 03/04/01 17,718.65
20 330 330 5 1221 Barringer,S 8,745.54 20.00% 280.75 02/01/01 9,175.15
20 330 330 5 1222 Crowe,C 14,776.05 18.00% 380.15 02/05/01 14,859.31
20 330 330 5 1223 Wilkes,P 19,055.10 18.00% 547.39 12/13/00 20,010.74
20 330 330 5 1224 Frink,P 9,724.83 18.00% 260.80 06/22/01 10,270.46
20 330 330 5 1226 Jones,M 13,915.59 18.00% 385.59 02/28/01 14,097.30
20 330 330 5 1227 Alvarez,J 13,221.65 18.00% 350.00 04/08/01 13,783.29
20 330 330 5 1228 Adams,R 13,237.23 18.00% 371.85 10/09/01 14,643.75
20 330 330 5 1231 Summers,W 14,448.91 18.00% 379.45 09/17/01 14,891.75
20 330 330 5 1234 Douglas,S 8,837.13 20.00% 280.26 04/30/01 9,133.77
20 330 330 5 1235 Crawford,G 10,779.97 18.00% 288.49 10/05/01 11,276.31
20 330 330 5 1239 Chapman,R 11,364.85 18.00% 318.97 10/04/01 11,661.67
20 330 330 5 1240 Claypool,T 14,524.57 18.00% 386.20 10/15/01 15,208.75
20 330 330 5 1241 Drapper,J 9,368.80 20.00% 333.70 04/25/01 10,022.01
20 330 330 5 1244 Eaves,D 12,675.12 18.00% 328.33 11/06/00 12,833.67
20 330 330 5 1246 Rudy,K 10,540.80 20.00% 364.91 11/15/00 10,959.04
20 330 330 5 1247 Carroll,D 12,446.16 18.00% 324.93 04/03/01 12,700.67
20 330 330 5 1248 Hardin,J 8,914.87 18.00% 275.51 11/18/00 9,314.00
20 330 330 5 1249 Guin,C 12,382.66 18.00% 354.54 11/09/00 12,960.97
20 330 330 5 1250 Whitfield,A 7,595.95 25.00% 328.11 09/27/01 8,252.50
20 330 330 5 1252 Vineyard,L 9,201.80 20.00% 297.27 09/21/01 9,769.09
20 330 330 5 1253 Taylor,T 13,723.59 18.00% 359.63 09/19/01 14,162.65
20 330 330 5 1255 Davis,V 13,726.17 18.00% 422.85 11/05/00 14,395.00
20 330 330 5 1256 Turner,E 10,420.84 20.00% 335.31 09/30/01 11,018.83
20 330 330 5 1258 Payne,M 14,634.83 18.00% 389.98 11/17/00 15,357.42
20 330 330 5 1263 Moravian,P 18,275.84 18.00% 482.82 10/01/01 19,013.70
20 330 330 5 1266 Doe,L 10,100.29 18.00% 270.76 11/10/00 10,662.63
20 330 330 5 1267 Wisdom,J 16,038.50 18.00% 415.84 09/30/01 16,376.03
20 330 330 5 1268 Duke,P 10,720.59 18.00% 287.98 11/10/00 11,340.86
20 330 330 5 1269 Leemaster,C 18,573.93 18.00% 492.59 10/25/00 19,254.20
20 330 330 5 1270 Bizzell,S 11,314.03 18.00% 299.82 11/07/00 11,720.55
20 330 330 5 1271 Fields,P 11,396.18 18.00% 321.25 11/15/00 11,745.18
20 330 330 5 1278 Hood,G 10,540.13 18.00% 328.34 01/02/01 11,095.63
24
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 330 330 5 1279 Vereen,R 7,071.62 28.00% 417.28 12/29/00 7,602.35
20 330 330 5 1280 Perry,B 11,693.62 18.00% 331.23 12/27/00 12,199.70
20 330 330 5 1282 Rone,T 12,977.21 18.00% 366.77 12/15/00 13,508.40
20 330 330 5 1284 Barrett,J 10,280.19 18.00% 287.98 01/12/01 11,340.96
20 330 330 5 1285 Taylor,D 14,653.73 20.00% 398.17 02/11/01 15,028.50
20 330 330 5 1286 Foust,C 13,330.02 18.00% 350.77 01/25/01 13,813.42
20 330 330 5 1289 Sturdivant,L 11,954.03 18.00% 340.72 02/08/01 12,549.00
20 330 330 5 1292 Cirilo,C 6,675.56 20.00% 270.55 02/23/01 7,279.85
20 330 330 5 1293 Harvey,N 10,900.65 27.00% 484.50 10/05/00 11,867.87
20 330 330 5 1295 Thompson,M 24,250.04 18.00% 635.01 11/01/00 24,823.50
20 330 330 5 1296 Blackburn,D 20,648.24 18.00% 537.70 10/12/00 21,175.00
20 330 330 5 1297 Finney,J 4,796.60 18.00% 146.59 04/20/01 5,398.74
20 330 330 5 1298 Gray,A 11,700.56 18.00% 323.35 02/22/01 11,909.51
20 330 330 5 1299 Mann,K 11,906.37 18.00% 315.32 10/31/00 12,417.52
20 330 330 5 1300 Thow,M 13,999.12 18.00% 393.32 11/03/00 14,486.55
20 330 330 5 1301 Tabler,E 14,367.51 20.00% 566.44 11/08/00 15,117.59
20 330 330 5 1302 Thomas,K 15,178.64 18.00% 397.05 08/21/01 15,636.17
20 330 330 5 1303 Boyd,J 12,088.35 18.00% 345.12 10/19/00 12,711.00
20 330 330 5 1304 Johnson,T 16,848.13 18.00% 435.47 01/18/01 17,023.19
20 330 330 5 1309 Childress,T 14,675.51 18.00% 409.96 01/01/01 15,099.35
20 330 330 5 1310 Broadway,R 16,230.27 18.00% 423.34 02/04/01 16,629.97
20 330 330 5 1314 Degraphenreid,J 12,369.59 18.00% 319.96 11/24/00 12,600.00
20 330 330 5 1315 Palacios,E 15,837.77 18.00% 414.53 12/04/00 16,324.43
20 330 330 5 1316 Hood,D 14,737.92 18.00% 383.96 06/10/01 15,120.60
20 330 330 5 1320 Edwards,B 9,058.03 18.00% 255.06 07/12/01 9,325.00
20 330 330 5 1321 Shields,G 9,949.05 18.00% 260.11 01/01/01 10,243.44
20 330 330 5 1322 Blackwell,W 14,009.44 18.00% 366.78 12/08/00 14,336.40
20 330 330 5 1323 Burnette,G 9,847.63 25.00% 413.98 07/09/01 10,412.18
20 330 330 5 1324 Beheler,T 18,012.41 18.00% 459.32 07/08/01 18,088.17
20 330 330 5 1325 Ratcliffe,K 8,995.16 20.00% 355.84 12/29/00 9,575.00
20 330 330 5 1331 Townsend,C 7,846.87 25.00% 360.79 07/11/01 7,988.79
20 330 330 5 1332 Dawson,A 16,739.42 25.00% 491.32 01/14/01 16,739.42
20 330 330 5 1333 Bennett,E 17,079.27 20.00% 503.79 07/30/01 17,846.53
20 330 330 5 1334 Barringer,W 15,110.67 18.00% 390.00 07/03/01 15,244.16
20 330 330 5 1335 Thompson,T 12,117.10 28.00% 525.51 06/26/01 12,704.67
20 330 330 5 1342 Hayes,H 12,391.43 18.00% 349.52 12/12/00 12,873.28
20 330 330 5 1344 Kirkpatrick,A 10,891.30 18.00% 285.57 06/04/01 11,246.17
20 330 330 5 1345 Cagle,R 10,748.36 20.00% 376.42 12/21/00 11,305.00
20 330 330 5 1350 Rogers,L 12,592.77 18.00% 350.62 12/01/00 12,913.73
20 330 330 5 1351 Powers,T 14,752.08 18.00% 385.96 12/12/00 15,199.07
20 330 330 5 1352 Burton,G 7,952.64 18.00% 233.60 06/29/01 7,952.64
20 330 330 5 1353 McLendon,M 12,433.74 18.00% 345.63 12/29/00 12,636.44
20 330 330 5 1359 Liscum,C 14,785.69 18.00% 386.79 01/08/01 15,120.18
20 330 330 5 1363 Blackwell,R 13,356.12 18.00% 400.90 12/12/00 13,647.77
20 330 330 5 1366 Chavis,D 12,948.04 18.00% 386.74 06/17/01 13,165.87
20 330 330 5 1367 Lowe,J 19,331.55 17.95% 496.79 06/22/01 19,439.28
20 330 330 5 1368 Jackson,A 9,604.55 18.00% 274.17 12/10/00 10,097.96
20 330 330 5 1370 Bailey,M 19,549.84 18.00% 505.75 02/01/01 19,916.58
20 330 330 5 1371 McGee,W 16,631.67 18.00% 468.27 07/25/01 17,246.93
20 330 330 5 1372 Caulder,E 7,977.60 20.00% 315.10 10/24/00 8,478.64
20 330 330 5 1373 Hill,L 21,758.96 18.00% 591.48 09/06/00 23,292.64
20 330 330 5 1374 Pennier,P 13,633.28 20.00% 432.89 08/27/01 14,225.74
20 330 330 5 1375 Burris,M 10,227.91 18.00% 264.74 12/07/99 10,425.92
20 330 330 5 1376 Perdue,M 7,185.24 20.00% 262.27 12/14/00 8,560.71
20 330 330 5 1377 Bell,C 15,778.86 18.00% 438.25 09/11/01 16,141.17
20 330 330 5 1378 Blackwell,D 12,781.24 18.00% 389.46 02/28/01 13,258.36
20 330 330 5 1380 Rudd,C 12,887.93 18.00% 355.73 12/01/00 13,102.06
20 330 330 5 1381 Evans,J 8,106.03 20.00% 312.05 05/28/00 8,396.89
20 330 330 5 1382 Strange,D 14,747.72 18.00% 386.36 05/20/00 15,215.02
20 330 330 5 1386 Jones,L 10,237.83 18.00% 283.94 05/30/01 10,457.30
20 330 330 5 1387 Risco,E 15,197.18 18.00% 392.74 08/25/01 15,466.44
20 330 330 5 1388 Mccrary,A 13,623.21 18.00% 349.38 02/28/01 13,758.86
20 330 330 5 1389 Smith,M 10,159.69 18.00% 281.62 02/05/01 10,372.30
20 330 330 5 1390 Caldwell,M 8,967.56 18.00% 270.04 08/14/01 9,193.00
20 330 330 5 1391 Perry,D 12,940.17 18.00% 396.66 12/03/00 13,503.43
20 330 330 5 1392 Mitchell,M 10,534.32 20.00% 327.29 08/14/01 10,755.38
25
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 330 330 5 1393 Wells,K 13,816.65 18.00% 352.76 12/15/00 13,892.01
20 330 330 5 1394 Mote,F 10,761.56 18.00% 295.17 08/15/01 10,790.66
20 330 330 5 1396 Griffin,D 11,909.20 18.00% 308.81 08/20/01 12,161.00
20 330 330 5 1397 Stiles,C 7,317.67 20.00% 251.38 02/13/01 7,549.76
20 330 330 5 1398 Miller,V 18,875.94 28.00% 593.35 02/18/01 19,056.99
20 330 330 5 1402 Carmon,M 15,101.99 18.00% 399.99 02/24/01 15,752.01
20 330 330 5 1404 Guin,E 14,097.74 18.00% 365.79 12/21/00 14,405.17
20 330 330 5 1405 Taylor,B 6,312.74 20.00% 217.94 02/01/01 6,545.50
20 330 330 5 1407 Poston,S 10,133.47 18.00% 282.01 01/11/01 10,386.86
20 330 330 5 1408 Davis,D 13,921.68 18.00% 358.80 02/28/01 14,129.84
20 330 330 5 1410 Barnes,G 10,017.10 17.95% 259.88 02/28/01 10,245.20
20 330 330 5 1412 Laughridge,T 13,832.46 18.00% 385.58 04/13/01 14,201.42
20 330 330 5 1414 Curry,D 9,631.55 18.00% 292.24 04/18/01 9,948.80
20 330 330 5 1415 Williams,H 14,766.61 18.00% 380.10 08/28/00 14,968.48
20 330 330 5 1416 Smith,R 12,081.86 18.00% 313.21 08/23/00 12,243.79
20 330 330 5 1418 Dennis,S 2,886.22 25.00% 164.72 08/28/00 3,054.63
20 330 330 5 1419 Melums,M 4,086.30 28.00% 193.43 03/22/01 4,140.00
20 330 330 5 1420 Suggs,P 9,415.38 18.00% 280.00 08/16/00 9,462.07
20 330 330 5 1421 McCray,J 12,678.58 18.00% 346.47 08/05/00 12,760.75
20 330 330 5 1422 Mclain,L 10,993.82 18.00% 284.70 03/25/01 11,211.83
20 330 330 5 1423 Smith,H 21,613.77 17.95% 559.90 11/06/00 22,072.72
20 330 330 5 1424 Hines,F 15,139.05 18.00% 390.83 10/20/00 15,391.19
20 330 330 5 1426 Walker,D 15,331.10 18.00% 398.39 04/06/01 15,688.91
20 330 330 5 1428 Doster,P 14,595.22 18.00% 378.50 09/01/01 14,905.55
20 330 330 5 1429 Armstrong,H 10,547.67 18.00% 289.68 01/21/01 10,669.30
20 330 330 5 1431 Morgan,W 14,257.86 18.00% 395.80 08/23/00 14,577.77
20 330 330 5 1434 Frazier,D 17,592.19 18.00% 454.68 06/23/00 17,774.04
20 330 330 5 1435 Agyemang,A 11,086.44 20.00% 379.98 01/27/01 11,411.78
20 330 330 5 1441 Green,O 13,523.35 18.00% 350.00 04/26/01 13,783.20
20 330 330 5 1442 Vinson,S 11,853.77 18.00% 325.13 10/01/00 11,885.83
20 330 330 5 1443 Joebert,B 12,762.24 18.00% 348.75 12/20/00 12,844.95
20 330 330 5 1444 Grady,W 5,818.80 25.00% 235.06 06/23/00 5,912.14
20 330 330 5 1445 Nichols,F 12,025.68 18.00% 328.63 09/08/00 12,103.62
20 330 330 5 1446 Mrotz,R 18,500.81 18.00% 480.00 12/20/00 18,902.86
20 330 330 5 1447 Ervin,S 2,456.56 28.00% 143.40 04/06/01 2,612.72
20 330 330 5 1448 Hardey,R 13,867.98 18.00% 379.91 08/04/00 13,992.58
20 330 330 5 1449 Caulder,N 8,326.05 20.00% 254.41 08/31/00 8,360.57
20 330 330 5 1453 Leonard,P 14,959.03 18.00% 386.04 04/28/01 15,202.63
20 330 330 5 1454 Merrell,R 15,952.93 18.00% 407.00 03/19/01 16,027.96
20 330 330 5 1455 Mckenzie,N 11,863.65 18.00% 329.99 08/22/00 12,159.99
20 330 330 5 1456 Whitfield,S 17,033.38 18.00% 473.71 02/07/01 17,447.14
20 330 330 5 1457 Kattner,B 11,095.12 20.00% 345.86 05/04/00 11,365.50
20 330 330 5 1461 Cleary,R 15,207.00 18.00% 390.31 08/15/00 15,370.52
20 330 330 5 1462 Grant,A 14,677.70 20.00% 446.64 09/09/00 14,677.70
20 330 330 5 1463 Salamone,D 12,433.12 18.00% 318.78 07/14/01 12,553.80
20 330 330 5 1464 Waverly,T 14,763.92 18.00% 378.35 11/15/00 14,899.80
20 330 330 5 1466 Surgeon,T 11,508.70 18.00% 292.24 12/29/00 11,508.70
20 330 330 5 1467 Branch,M 11,148.20 18.00% 306.17 07/29/00 11,276.42
20 330 330 5 1469 Tobe,G 7,677.93 18.00% 229.22 04/30/01 7,803.25
20 330 330 5 1470 Hopper,M 12,047.42 18.00% 358.46 07/28/00 12,202.82
20 330 330 5 1471 Crumbly,P 10,749.83 18.00% 295.35 08/16/00 10,878.17
20 330 330 5 1472 Thompson,R 7,899.60 20.00% 298.42 03/10/01 8,021.90
20 330 330 5 1474 Spangler,M 18,560.60 17.99% 477.42 08/16/00 18,801.14
20 330 330 5 1475 Newton,W 12,301.69 18.00% 337.84 08/12/00 12,443.17
20 330 330 5 1476 Covington,F 14,622.48 20.00% 398.73 02/16/01 15,050.23
20 330 330 5 1478 Johnson,M 15,975.15 18.00% 408.17 07/26/00 16,074.17
20 330 330 5 1479 Fraley,S 11,814.67 18.00% 302.52 11/02/00 11,825.60
20 330 330 5 1481 Tynes,R 16,168.57 20.00% 429.15 01/02/01 16,198.31
20 330 330 5 1482 Stockett,R 16,892.48 25.00% 499.87 08/07/00 17,030.87
20 330 330 5 1483 Lipford,R 14,587.12 18.00% 373.15 06/20/01 14,587.12
20 330 330 5 1485 Glover,G 10,508.92 20.00% 354.93 04/30/01 10,659.50
20 330 330 5 1487 McKinnon,P 12,877.78 18.00% 431.51 06/15/01 13,374.49
20 330 330 5 1488 Brown,P 12,159.26 18.00% 311.60 04/16/01 12,271.16
20 330 330 5 1489 Grant,R 13,944.34 18.00% 357.17 06/02/01 14,065.67
20 330 330 5 1491 Arnold,M 10,111.34 18.00% 277.03 02/12/01 10,203.17
20 330 330 5 1492 Roper,R 8,297.70 20.00% 255.38 01/27/01 8,392.34
26
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 330 330 5 1493 Drewery,A 8,586.47 18.00% 233.13 02/01/01 8,586.47
20 330 330 5 1494 Harris,S 11,243.35 17.99% 333.77 08/11/00 11,364.28
20 330 330 5 1495 Mann,H 12,995.56 18.00% 330.00 02/04/01 12,995.56
20 330 330 5 1496 Jeffers,R 12,398.30 18.00% 318.04 08/17/00 12,524.87
20 330 330 5 1497 Crane,R 14,067.84 18.00% 357.23 03/25/01 14,067.84
20 330 330 5 1498 Coker,T 9,817.43 18.00% 249.29 02/17/01 9,817.43
20 330 330 5 1499 Fogle,D 14,061.46 18.00% 359.47 01/01/01 14,156.18
20 330 330 5 1500 Vanapeldoorn,B 9,080.64 20.00% 280.24 12/19/00 9,209.50
20 330 330 5 1501 Eskridge,N 20,195.88 17.99% 548.24 09/15/00 20,195.88
20 330 330 5 1502 Pressley,J 7,365.55 20.00% 245.25 04/26/01 7,365.55
20 330 330 5 1503 Perry,D 12,879.45 18.00% 330.06 08/06/00 12,997.99
20 330 330 5 1504 Biggers,P 17,139.84 18.00% 435.23 05/25/00 17,139.84
20 330 330 5 1505 Triggs,M 10,002.09 18.00% 255.89 06/24/01 10,002.09
20 330 330 5 1506 Lasiter,L 8,514.02 18.00% 231.16 07/29/00 8,514.02
20 330 330 5 1507 Woodson,C 21,817.06 18.00% 554.00 05/10/01 21,817.06
20 330 330 5 1508 Allison,D 10,530.95 18.00% 289.21 04/14/01 10,652.07
20 330 330 5 1509 Christopher,V 10,547.80 18.00% 289.54 10/08/01 10,663.80
20 330 330 5 1511 Ramseur,S 8,716.82 18.00% 259.97 06/04/00 8,850.25
20 330 330 5 1512 York,E 12,382.50 22.00% 363.18 04/01/01 12,382.50
20 330 330 5 1513 Cowan,M 19,126.93 18.00% 490.41 10/02/00 19,312.58
20 330 330 5 1515 Babcock,G 7,240.53 20.00% 244.95 04/16/01 7,356.49
20 330 330 5 1518 Perez,B 9,849.77 18.00% 250.11 05/20/01 9,849.77
20 330 330 5 1519 Gooding,C 12,772.71 18.00% 412.10 02/04/01 12,772.71
20 330 330 5 1520 Holloway,N 14,500.00 18.00% 368.21 04/20/01 14,500.00
20 330 330 5 1521 Green,Z 11,151.00 18.00% 302.76 05/01/01 11,151.00
20 330 330 5 1522 Martin,W 5,633.36 28.00% 239.24 11/01/01 5,783.87
20 330 330 5 1524 McClean,H 14,130.34 18.00% 364.29 02/05/01 14,346.11
20 330 330 5 1526 Koonce,V 12,051.65 18.00% 353.75 10/15/01 12,051.65
20 330 330 5 1527 Dorn,C 8,501.87 18.00% 252.93 08/14/00 8,610.50
20 330 330 5 1528 King,M 13,377.43 18.00% 339.69 10/02/00 13,377.43
20 330 330 5 1529 Bolen,M 16,031.45 18.00% 407.09 09/18/01 16,031.45
20 330 330 5 1531 Brooks,C 16,992.58 18.00% 431.49 01/01/01 16,992.58
20 330 330 5 1533 Barone,V 9,971.42 18.00% 270.73 02/04/01 9,971.42
20 330 330 5 1534 Helms,L 16,091.65 18.00% 436.91 09/05/00 16,091.65
20 330 330 5 1535 Nicholson,C 10,327.96 20.00% 391.94 02/14/01 10,546.54
20 330 330 5 1536 Ray,B 8,214.39 18.00% 245.24 08/07/00 8,348.47
20 330 330 5 1539 Bame,L 6,254.99 20.00% 232.46 07/27/00 6,254.99
20 330 330 5 1540 Alford,J 15,747.62 20.00% 479.20 10/13/01 15,747.62
20 330 330 5 1542 Calaway,V 12,277.11 18.00% 311.75 01/24/01 12,277.11
20 330 330 5 1543 Whitehead,C 13,677.53 18.00% 371.36 12/04/00 13,677.53
20 330 330 5 1546 Finley,U 9,593.00 18.00% 262.38 05/04/01 9,593.00
20 330 330 5 1549 Nichols,S 21,925.94 18.00% 556.77 05/01/01 21,925.94
20 330 330 5 1551 Lawrence,C 10,052.62 18.00% 274.96 09/25/01 10,052.62
20 330 330 5 1552 Campbell,M 9,376.40 18.00% 254.58 06/20/01 9,376.40
20 330 330 5 1553 Nabounpaeng,K 12,963.82 18.00% 380.81 04/10/01 12,963.82
20 330 330 5 1554 Batts,A 10,943.17 20.00% 364.37 10/05/00 10,943.17
20 330 330 5 1555 Moore,L 10,311.60 20.00% 313.78 08/31/00 10,311.60
20 330 330 5 1556 Bobbitt,C 9,161.90 18.00% 252.50 03/15/01 9,299.75
20 330 330 5 1558 McKoy,S 5,623.75 20.00% 239.73 09/24/00 5,623.75
20 330 330 5 1559 Locklear,T 10,566.39 18.00% 268.31 09/21/00 10,566.39
20 330 330 5 1560 Pena,R 13,595.64 20.00% 364.66 04/09/01 13,764.21
20 330 330 5 1566 Thomas,G 13,627.47 18.00% 370.00 10/10/00 13,627.47
20 330 330 5 1567 Thomas,W 8,677.50 18.00% 235.60 03/20/01 8,677.50
20 330 330 5 1568 Hopper,D 5,706.75 20.00% 190.02 08/18/01 5,706.75
20 330 330 5 1569 Hernandez,R 12,261.39 18.00% 365.14 09/22/00 12,430.37
20 330 330 5 1571 Abraham,M 9,513.99 18.00% 241.59 04/06/01 9,513.99
20 330 330 5 1573 Clayborne,R 11,813.50 18.00% 320.75 10/06/00 11,813.50
20 330 330 5 1574 Westhausser,R 13,708.05 18.00% 348.09 10/06/00 13,708.05
20 330 330 5 1575 Johnson,A 12,269.92 18.00% 333.14 05/15/01 12,269.92
20 330 330 5 1580 Ingram,C 6,335.42 28.00% 296.00 01/09/01 6,335.42
20 330 330 5 1581 McCracken,R 9,854.92 20.00% 299.89 06/07/01 9,854.92
20 330 330 6 1317 Roundtree,E 18,408.79 18.00% 481.31 10/23/00 18,954.34
20 330 330 6 1459 Jones,J 11,105.96 18.00% 288.71 05/03/01 11,369.70
20 330 330 7 789 White,G 15,522.99 18.00% 435.11 07/21/00 17,008.97
20 330 330 7 869 Farrel,K 15,539.07 18.00% 427.08 09/22/00 16,693.19
20 330 330 7 878 Cleveland,B 15,659.61 18.00% 423.22 10/15/01 16,544.36
27
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 330 330 7 890 JacksonJR,J 9,634.22 18.00% 259.47 03/17/00 10,143.12
20 330 330 7 1005 Lewis,M 12,257.07 18.00% 341.29 01/06/00 13,426.95
20 330 330 7 1017 Hamacher,D 13,138.50 18.00% 359.76 05/14/01 14,063.61
20 330 330 7 1100 Piccirilli,J 11,926.29 18.00% 324.12 06/11/01 12,764.03
20 330 330 7 1133 Herndon,D 12,277.74 18.00% 332.05 03/22/01 13,076.37
20 330 330 7 1179 Lunsford,H 19,834.71 18.00% 530.10 02/12/01 20,722.16
20 330 330 7 1220 Flores,A 22,604.53 18.00% 594.88 04/07/01 23,391.46
20 330 330 7 1318 McCrary,K 17,707.20 18.00% 454.16 02/04/01 17,751.85
20 330 330 7 1337 Dykes,J 16,978.51 18.00% 443.25 10/10/00 17,455.00
20 330 330 7 1339 Andrew,J 18,524.41 18.00% 491.60 03/28/01 19,359.41
20 330 330 7 1347 Vause,R 13,486.31 18.00% 354.21 01/17/01 13,949.09
20 330 330 7 1437 Owenby,J 13,360.45 18.00% 349.38 04/07/01 13,676.75
20 330 330 7 1460 McCree,L 19,757.83 18.00% 518.24 08/22/00 20,408.53
20 330 330 7 1532 Burton,M 15,018.86 18.00% 381.38 01/05/01 15,018.86
20 330 330 7 1547 Owens,E 15,636.67 18.00% 400.00 05/13/01 15,636.67
20 330 330 7 1548 Hatfield,M 20,510.12 18.00% 520.82 03/12/01 20,510.12
20 330 330 7 1564 Manning,C 19,766.95 18.00% 501.95 02/22/01 19,766.95
20 330 330 7 1565 Burnett,T 14,201.99 18.00% 360.63 01/02/01 14,201.99
20 330 330 8 759 Norman,R 16,440.20 18.00% 461.54 04/11/01 18,042.17
20 330 330 8 764 Beavers,F 10,489.41 18.00% 345.01 03/20/01 11,658.81
20 330 330 8 777 Wright,D 12,238.56 18.00% 367.97 09/01/00 13,453.17
20 330 330 8 824 Ivey,J 9,758.12 18.00% 321.86 09/03/00 10,876.81
20 330 330 8 848 Boyd,G 12,158.54 18.00% 369.06 03/06/01 13,493.14
20 330 330 8 850 Prather,M 10,651.12 18.00% 321.27 02/10/01 11,745.86
20 330 330 8 861 Proffitt,C 11,013.54 18.00% 337.76 01/11/01 12,439.85
20 330 330 8 887 AdamsJR,J 11,198.18 20.00% 421.64 01/11/01 12,559.81
20 330 330 8 895 Stradtman,R 27,276.44 18.00% 824.11 05/14/01 30,129.56
20 330 330 8 910 McClure,S 10,457.06 20.00% 448.06 01/16/01 11,958.31
20 330 330 8 958 McElrath,J 8,131.72 20.00% 306.99 01/11/01 9,219.85
20 330 330 8 968 Brackett,B 11,165.09 20.00% 421.64 01/12/01 12,559.81
20 330 330 8 988 Smith,J 5,448.47 20.00% 236.55 08/22/00 6,313.35
20 330 330 8 995 Hord,R 10,166.01 18.00% 303.19 10/05/00 11,084.81
20 330 330 8 1003 Matthews,D 14,749.72 18.00% 480.51 03/22/00 16,237.68
20 330 330 8 1004 Ratliff,V 9,246.55 20.00% 349.53 01/12/01 10,411.81
20 330 330 8 1073 ConleyJR,G 8,993.19 20.00% 298.07 07/02/00 9,715.54
20 330 330 8 1080 Bridges,L 12,311.04 18.00% 361.04 07/21/01 13,199.95
20 330 330 8 1090 Hill,D 16,392.30 18.00% 438.99 01/05/01 17,287.74
20 330 330 8 1092 Gunnels,E 6,992.90 28.50% 381.80 02/07/01 8,126.09
20 330 330 8 1110 Martin,M 25,030.88 17.00% 658.11 02/11/01 26,480.70
20 330 330 8 1124 Brown,M 17,176.23 18.00% 463.86 12/29/00 18,133.15
20 330 330 8 1169 Adesso,T 11,884.57 18.00% 339.39 03/13/01 12,500.00
20 330 330 8 1175 Waters,R 12,884.55 18.00% 345.22 08/20/00 13,493.81
20 330 330 8 1181 Sullivan,M 11,925.38 18.00% 382.55 08/31/00 13,023.08
20 330 330 8 1183 Ghorley,M 14,798.40 18.00% 397.14 03/04/01 15,523.34
20 330 330 8 1190 Graves,S 18,058.18 18.00% 522.81 12/16/00 19,255.40
20 330 330 8 1191 Austin,G 15,406.86 18.00% 402.16 07/29/00 15,721.20
20 330 330 8 1194 Keller,K 7,440.80 20.00% 280.25 09/07/00 8,416.50
20 330 330 8 1200 Larson,L 5,472.86 25.00% 285.62 01/09/01 6,324.26
20 330 330 8 1215 Slaughter,A 11,298.39 18.00% 323.00 12/26/00 11,807.74
20 330 330 8 1229 Soles,A 17,230.11 18.00% 450.94 06/08/01 17,758.17
20 330 330 8 1243 Mann,C 12,923.22 18.00% 335.19 07/23/01 13,103.27
20 330 330 8 1245 Goins,P 10,771.57 18.00% 299.99 10/03/01 11,000.00
20 330 330 8 1254 Talbert,P 7,569.78 20.00% 241.89 09/27/01 7,949.13
20 330 330 8 1261 MorrisJR,T 9,969.64 18.00% 260.48 09/01/00 10,180.81
20 330 330 8 1294 Segee,R 9,856.53 18.00% 300.94 09/02/00 10,245.04
20 330 330 8 1358 Kirkman,I 9,406.05 20.00% 292.39 08/22/00 9,608.74
20 330 330 8 1365 Moyer,R 19,180.39 18.00% 503.18 01/05/01 19,757.27
20 330 330 8 1436 Stafford,L 11,639.01 18.00% 287.88 11/04/00 11,880.82
20 330 330 8 1480 Pannell,J 18,125.61 18.00% 498.04 04/07/01 18,343.23
20 330 330 8 1484 Maxfield,R 8,768.92 20.00% 328.60 09/03/00 8,768.92
20 330 330 8 1490 Rankin,L 15,794.22 18.00% 403.95 03/11/01 15,907.91
20 330 330 8 1544 Gatlin,G 8,766.63 18.00% 257.52 09/05/00 8,766.63
20 350 350 2 146 Razor,L 10,872.56 18.00% 289.26 07/02/01 11,391.48
20 350 350 3 121 Monbeck,E 13,416.81 18.00% 375.65 05/30/01 14,763.75
20 350 350 3 122 Hardy,C 12,637.92 18.00% 347.62 12/11/00 13,587.78
20 350 350 3 135 Johnson,J 16,590.58 18.00% 449.18 12/27/00 17,688.90
28
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 350 350 3 136 Kover,T 9,548.38 18.00% 249.98 09/23/00 9,844.67
20 350 350 3 144 Volz,E 13,715.28 18.00% 367.79 02/28/01 14,377.32
20 350 350 3 167 Tracey,J 20,260.27 19.00% 544.50 12/15/00 20,990.44
20 350 350 5 116 Robinson,L 6,355.02 22.00% 257.67 12/23/00 7,496.95
20 350 350 5 118 Estep,L 5,160.59 25.00% 243.75 12/30/00 6,130.70
20 350 350 5 119 Appleberry,C 4,882.85 25.00% 285.66 12/30/00 6,325.15
20 350 350 5 125 Kennedy,T 7,707.83 19.00% 250.00 08/21/00 8,300.05
20 350 350 5 129 Caputo,T 9,607.48 20.00% 326.34 12/16/00 10,724.16
20 350 350 5 130 Kinsinger,C 12,733.76 19.00% 385.40 12/29/00 13,919.70
20 350 350 5 131 Turley,S 10,820.40 19.00% 322.60 08/20/00 11,651.63
20 350 350 5 132 Turner,H 9,737.19 22.00% 332.72 08/12/00 10,464.72
20 350 350 5 133 Edmons,A 6,152.46 22.00% 234.14 12/29/00 6,816.70
20 350 350 5 134 Wickersham,V 4,620.76 25.00% 244.88 09/01/00 5,422.30
20 350 350 5 137 Estepp,C 6,246.92 22.00% 240.26 09/30/00 6,995.00
20 350 350 5 138 LewisJR,R 9,370.57 25.00% 366.66 04/24/01 10,196.80
20 350 350 5 140 Ross,M 12,231.42 19.00% 364.82 01/02/01 13,176.38
20 350 350 5 142 Hart,S 9,773.13 19.00% 292.00 07/20/00 10,546.38
20 350 350 5 147 Potter,C 13,236.48 20.00% 432.20 11/02/00 14,203.00
20 350 350 5 148 Lee,D 5,420.22 25.00% 347.68 05/13/01 6,514.36
20 350 350 5 149 Busse,D 12,397.76 22.00% 406.41 09/27/01 12,784.24
20 350 350 5 152 Stoll,C 13,214.71 20.00% 433.33 03/20/01 14,130.30
20 350 350 5 153 Wyatt,J 12,051.37 19.00% 350.00 07/24/00 12,641.09
20 350 350 5 155 Norton,L 5,022.72 25.00% 221.10 11/19/00 5,561.08
20 350 350 5 157 Wentz,S 12,412.87 19.00% 335.40 11/18/00 12,929.87
20 350 350 5 160 Ross,T 11,850.44 19.00% 340.25 04/15/01 12,289.21
20 350 350 5 161 Mccatherine,R 7,914.84 25.00% 332.00 08/28/01 8,371.80
20 350 350 5 162 Early,B 22,794.03 19.00% 650.00 12/01/00 23,476.62
20 350 350 5 163 Plaskett,T 9,249.26 22.00% 299.49 01/16/01 9,505.50
20 350 350 5 166 Cantrell,S 12,623.93 20.00% 362.79 06/07/01 12,851.63
20 350 350 5 168 Katakis,D 9,650.08 19.00% 274.01 08/21/01 9,896.80
20 350 350 5 169 Blair,J 11,337.98 22.00% 362.08 08/18/01 11,492.26
20 350 350 5 170 Furillo,M 16,329.50 19.00% 423.60 07/27/00 16,329.50
20 350 350 5 171 Patrone,R 12,996.78 22.00% 409.48 05/16/01 12,996.78
20 350 350 5 172 Gaffney,A 7,389.33 22.00% 234.94 01/15/01 7,389.33
20 350 350 5 173 Hunter,L 10,138.75 19.00% 263.00 12/29/00 10,138.75
20 350 350 5 174 Miller,T 11,206.32 19.00% 310.27 04/04/01 11,206.32
20 350 350 5 175 Crook,J 12,450.65 19.00% 344.73 09/18/00 12,450.65
20 350 350 5 176 Ware,W 9,380.45 20.00% 264.80 07/19/01 9,380.45
20 350 350 5 177 Sunnenbery,H 16,383.80 19.00% 425.00 02/01/01 16,383.80
20 350 350 5 179 Moore,M 9,785.53 25.00% 351.87 01/25/01 9,785.53
20 350 350 8 141 Fowler,C 9,197.75 22.00% 350.23 01/21/01 10,196.42
20 350 350 8 145 Fortner,W 6,596.43 25.00% 256.80 10/03/00 7,067.97
20 350 350 8 158 Couchot,E 17,880.17 20.00% 521.49 07/18/00 18,473.58
20 350 350 8 165 Gilloon,S 10,575.11 22.00% 343.10 07/23/01 10,890.17
20 360 360 2 25 Sloat,T 15,715.26 18.00% 419.98 01/18/01 16,539.00
20 360 360 2 26 Heinrich,L 16,443.10 18.00% 439.86 08/02/00 17,210.00
20 360 360 3 19 Cline,B 10,842.18 18.00% 289.71 08/01/00 11,409.00
20 360 360 3 22 Simmons,B 11,913.44 18.00% 334.06 08/08/00 13,059.00
20 360 360 3 32 Butler,J 14,337.69 18.00% 378.83 04/11/01 14,809.22
20 360 360 3 41 Barnes,P 10,554.96 18.00% 279.07 04/15/01 10,990.00
20 360 360 4 5 Steed,D 9,621.40 18.00% 347.77 12/25/00 10,699.66
20 360 360 4 34 Ailey,J 12,116.33 18.00% 346.60 12/15/00 12,670.72
20 360 360 5 1 Basarich,C 6,355.61 18.00% 234.46 07/17/00 7,210.00
20 360 360 5 4 Revels,K 11,346.56 18.00% 326.91 04/07/01 11,952.00
20 360 360 5 8 Fields,G 6,562.09 18.00% 207.68 03/05/01 7,018.32
20 360 360 5 9 Ware,D 14,277.51 18.00% 415.77 01/27/01 15,200.74
20 360 360 5 10 Thomas,T 7,617.18 18.00% 222.72 09/22/00 8,202.95
20 360 360 5 11 Davis,D 4,134.72 18.00% 205.51 07/27/00 4,935.50
20 360 360 5 12 Truner,C 15,551.70 18.00% 418.55 11/15/00 16,482.76
20 360 360 5 15 Matthews,L 10,230.34 18.00% 300.62 04/11/01 11,044.95
20 360 360 5 17 Harris,C 11,891.70 18.00% 420.23 07/15/01 12,929.00
20 360 360 5 27 Starkey,P 8,277.44 18.00% 239.54 04/06/01 8,762.00
20 360 360 5 28 Roberts,J 7,334.24 18.00% 232.02 04/23/01 7,840.61
20 360 360 5 29 Hull,K 8,924.39 18.00% 428.88 05/24/01 10,300.00
20 360 360 5 36 Campbell,C 11,117.13 18.00% 346.84 01/11/01 11,807.50
20 360 360 5 37 King,C 9,722.17 18.00% 277.98 06/08/01 10,238.50
29
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 360 360 5 38 Pointer,L 10,289.44 21.00% 337.03 10/10/00 10,884.00
20 360 360 5 39 Campbell,R 6,594.84 18.00% 260.58 06/28/01 7,155.06
20 360 360 5 42 Wommack,R 7,301.42 18.00% 253.03 03/04/01 7,785.00
20 360 360 5 43 Bingham,K 11,376.42 18.00% 324.59 01/27/01 11,955.00
20 360 360 5 44 Shoemaker,J 7,426.93 18.00% 231.54 09/01/00 7,884.00
20 360 360 5 45 Hand,D 9,343.23 21.00% 370.57 02/15/01 9,836.00
20 360 360 5 46 Ringler,T 10,455.79 18.00% 319.89 08/01/00 10,810.00
20 360 360 5 47 Norvell,J 11,267.66 18.00% 316.91 01/01/01 11,672.00
20 360 360 5 48 Kirkley,J 11,182.60 18.00% 371.89 07/08/00 11,526.67
20 360 360 5 49 Miles,L 8,537.38 21.00% 296.74 02/06/01 8,774.00
20 360 360 5 51 Pry,R 14,261.16 18.00% 396.65 01/29/01 14,609.00
20 360 360 5 52 Brown,R 8,203.65 21.00% 314.78 01/18/01 8,355.00
20 360 360 5 53 Brunner,H 13,517.93 18.00% 345.90 01/16/01 13,622.00
20 360 360 7 3 Sisemore,D 12,642.23 18.00% 337.49 07/26/00 13,193.00
20 360 360 7 7 Harvey,T 11,617.37 18.00% 315.23 03/26/01 12,414.00
20 360 360 8 21 Boggs,K 9,211.43 18.00% 258.99 11/14/00 9,525.00
20 360 360 8 24 Bowers,J 12,348.28 18.00% 349.67 07/26/00 12,784.00
20 360 360 8 33 Curtis,J 10,813.83 21.00% 380.81 02/12/01 11,163.65
20 380 380 2 104 Yanda,T 17,183.39 18.00% 469.87 09/30/01 18,375.34
20 380 380 2 108 Hagy,R 9,907.33 18.00% 267.64 05/03/01 10,462.36
20 380 380 3 129 Mclaughlin,F 14,564.49 18.00% 376.77 09/30/01 14,837.50
20 380 380 5 54 Patrick,S 8,894.93 18.00% 300.97 01/13/01 11,085.20
20 380 380 5 80 Dorsett,H 9,130.53 18.00% 254.36 06/07/01 10,016.93
20 380 380 5 81 Lopez,H 4,022.72 21.00% 190.28 06/23/01 5,050.75
20 380 380 5 82 SMITH,K 6,276.53 21.00% 359.37 09/15/01 8,332.50
20 380 380 5 83 McNeal,R 5,641.94 21.00% 253.39 06/12/01 6,725.90
20 380 380 5 84 Lee,J 13,596.03 18.00% 450.00 12/14/00 15,319.31
20 380 380 5 85 Dono,T 11,429.00 18.00% 345.24 03/17/01 12,715.40
20 380 380 5 87 Walker,A 14,126.70 18.00% 384.43 07/02/01 15,139.02
20 380 380 5 88 Twyman,R 8,720.15 21.00% 397.50 09/18/01 10,551.00
20 380 380 5 89 Taormina,N 4,343.67 21.00% 313.45 06/21/00 6,100.00
20 380 380 5 91 Wise,G 11,576.81 18.00% 383.45 02/14/01 13,053.70
20 380 380 5 94 Close,R 11,038.15 21.00% 500.00 12/22/00 13,271.51
20 380 380 5 96 Lutz,D 9,536.21 18.00% 317.72 02/05/01 10,816.30
20 380 380 5 98 Myers,M 5,135.97 21.00% 234.00 05/28/01 6,207.53
20 380 380 5 99 Kearnes,J 2,738.44 21.00% 186.10 12/19/00 3,621.70
20 380 380 5 100 Amyx,S 11,116.63 18.00% 329.86 05/23/01 12,143.10
20 380 380 5 102 Snowden,J 8,842.11 18.00% 259.79 06/09/01 9,497.98
20 380 380 5 105 Parker,D 9,717.54 18.00% 318.11 07/16/00 10,750.00
20 380 380 5 107 Potts,J 7,241.99 21.00% 266.85 06/16/01 7,890.40
20 380 380 5 110 King,R 7,091.57 18.00% 232.67 05/20/01 7,921.00
20 380 380 5 111 Dunn,M 10,552.41 21.00% 394.85 05/16/01 11,675.00
20 380 380 5 112 Seevers,B 11,269.81 18.00% 305.78 05/21/00 12,042.00
20 380 380 5 113 Wright,W 13,000.96 18.00% 380.89 03/11/01 14,028.66
20 380 380 5 114 Cribbs,R 10,341.45 18.00% 373.64 08/05/01 11,580.54
20 380 380 5 115 Lewis,K 16,448.20 18.00% 487.67 10/07/00 17,964.94
20 380 380 5 116 Rockhill,P 12,203.19 18.00% 331.05 12/28/00 13,036.87
20 380 380 5 117 Graham,A 11,509.71 18.00% 370.85 09/16/01 12,625.00
20 380 380 5 121 Northcraft,D 6,089.42 21.00% 224.77 06/16/00 6,646.25
20 380 380 5 122 Tritt,C 17,766.75 18.00% 514.68 12/20/00 18,956.06
20 380 380 5 123 Halfast,L 17,819.76 18.00% 468.94 12/15/00 18,467.05
20 380 380 5 124 Vinick,F 9,159.67 21.00% 330.12 05/24/01 9,761.00
20 380 380 5 125 Bowser,P 6,045.82 21.00% 281.97 07/10/01 6,537.91
20 380 380 5 126 Heeter,D 9,990.28 18.00% 280.55 08/09/01 10,333.00
20 380 380 5 127 Wiley,P 7,657.74 21.00% 266.89 09/26/00 7,824.00
20 380 380 5 128 Swanson,D 8,777.33 18.00% 243.90 12/07/00 8,983.00
20 380 380 5 130 LeMasters,C 11,184.68 18.00% 332.74 06/15/01 11,327.50
20 380 380 8 101 Sullivan,D 3,424.32 21.00% 233.06 06/06/01 4,535.67
20 380 380 8 118 Geagan,R 10,041.02 21.00% 378.37 07/28/01 11,187.73
20 380 380 8 120 Allshouse,E 10,459.91 21.00% 380.00 06/21/01 11,235.85
20 380 380 8 131 Malandro,G 4,912.50 21.00% 185.07 01/11/01 4,912.50
20 400 400 2 778 Harden,W 11,811.21 17.00% 321.01 03/18/01 12,827.31
20 400 400 2 803 Woolard,P 13,071.09 17.00% 349.64 07/11/00 14,062.00
20 400 400 2 881 Goodwin,L 9,540.72 18.50% 275.11 01/24/01 9,973.00
20 400 400 2 899 BRANTLEY,F 11,042.67 17.00% 286.02 12/07/00 11,509.00
20 400 400 2 921 Lykes,M 14,204.98 17.00% 363.87 07/10/01 14,641.00
30
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 400 400 2 924 Foulks,A 21,142.30 17.00% 539.37 01/25/01 21,702.97
20 400 400 2 943 Rish,E 15,016.63 17.00% 385.79 06/22/01 15,523.00
20 400 400 2 956 Sweatman,B 11,778.94 17.00% 298.23 09/18/01 12,000.00
20 400 400 2 1025 Mclaughlin,D 15,674.42 17.00% 389.54 06/23/01 15,674.42
20 400 400 3 646 Felder,G 17,553.97 14.97% 426.90 06/01/01 19,846.87 B
20 400 400 3 792 Pitstick,D 13,719.99 17.00% 374.52 06/20/01 15,070.00
20 400 400 3 813 Banks,L 19,546.79 17.00% 520.52 06/08/01 20,944.37
20 400 400 3 831 Fleming,P 16,424.89 17.50% 441.95 05/30/01 17,592.00
20 400 400 3 836 Pendleton,B 10,977.71 17.00% 298.46 12/21/00 12,007.00
20 400 400 3 869 Roberts,A 15,077.81 17.00% 391.18 07/07/01 15,740.00
20 400 400 3 888 Knecht,T 18,733.36 17.00% 486.78 01/03/01 19,586.87
20 400 400 3 914 Timmons,S 12,378.95 17.00% 315.51 07/05/01 12,695.45
20 400 400 3 939 Johnson,J 18,146.57 17.00% 466.89 02/27/01 18,786.50
20 400 400 3 940 Evans,W 13,492.22 17.00% 339.56 12/19/00 13,663.00
20 400 400 3 944 Davis,G 14,838.22 17.00% 377.76 06/27/01 15,200.00
20 400 400 3 966 Fowler,M 10,248.75 17.00% 264.78 06/28/01 10,580.00
20 400 400 3 974 Mack,L 15,416.16 17.00% 388.57 01/20/01 15,635.00
20 400 400 3 982 Mayfield,C 11,575.95 17.00% 287.69 08/27/01 11,575.95
20 400 400 3 983 Taylor,L 20,623.24 17.00% 523.27 06/19/01 21,055.00
20 400 400 3 987 Liferidge,P 16,525.40 17.00% 413.65 06/15/01 16,644.47
20 400 400 3 995 Howard,M 11,585.22 17.00% 291.50 08/18/01 11,729.23
20 400 400 3 997 Fedak,D 13,750.27 17.00% 345.37 02/28/01 13,894.97
20 400 400 3 998 Grinstead,M 18,341.49 17.00% 464.72 02/28/01 18,699.30
20 400 400 3 1001 Erlenbush,L 12,334.26 18.00% 315.46 06/28/01 12,423.05
20 400 400 3 1022 Green,L 18,371.50 17.00% 456.57 02/20/01 18,371.50
20 400 400 3 1026 Young,R 13,472.38 17.00% 334.82 07/03/01 13,472.38
20 400 400 4 753 Haynes,T 9,958.45 17.00% 279.07 07/03/01 11,229.00
20 400 400 4 799 Goodwine,C 11,379.91 25.00% 450.74 07/12/00 12,535.00
20 400 400 4 812 Vereen,S 9,892.58 18.50% 296.10 02/11/01 10,718.00
20 400 400 4 834 Gentry,S 6,745.90 25.00% 303.77 01/05/01 7,640.00
20 400 400 4 848 Moore,J 11,518.76 18.50% 339.67 03/03/01 12,300.00
20 400 400 4 875 Sumter,I 11,282.90 18.50% 322.86 06/20/01 11,722.00
20 400 400 4 917 West,W 18,669.38 18.50% 527.54 03/10/01 19,095.00
20 400 400 4 929 Simmons,J 12,658.60 18.50% 333.60 08/28/01 12,998.00
20 400 400 4 938 Hall,E 14,811.88 18.50% 393.31 12/13/00 15,324.00
20 400 400 4 947 Fridie,V 7,839.69 28.00% 383.43 06/26/01 8,206.50
20 400 400 4 1010 Lassiter,D 7,971.91 18.50% 239.72 02/15/01 8,088.64
20 400 400 5 113 Reece,M 8,943.40 17.00% 303.82 08/09/01 12,140.22
20 400 400 5 138 Little,M 9,458.07 17.00% 312.77 06/15/01 12,498.00
20 400 400 5 163 McCormick,K 8,347.34 17.00% 277.63 05/12/00 11,093.65
20 400 400 5 303 Price,L 7,873.17 18.50% 280.53 02/14/01 10,231.42
20 400 400 5 383 Smalls,D 6,734.62 18.50% 236.72 09/07/01 8,568.50
20 400 400 5 651 Green,M 10,883.41 16.52% 305.01 11/21/00 12,634.00 B
20 400 400 5 657 Haigler,R 14,278.47 16.92% 398.66 12/25/00 16,342.00 B
20 400 400 5 679 Floyd,J 11,607.92 17.00% 302.07 07/01/01 13,157.00 B
20 400 400 5 715 Townsend,A 9,941.71 17.59% 289.92 06/05/01 11,517.50
20 400 400 5 747 Black,R 8,345.44 18.50% 260.93 03/15/01 9,516.25
20 400 400 5 748 Cribb,S 12,392.96 17.00% 346.72 08/09/01 13,859.50
20 400 400 5 749 Greer,D 9,417.80 18.50% 317.67 11/24/00 10,719.00
20 400 400 5 754 Thompson,D 13,051.89 17.00% 345.37 11/29/00 13,800.00
20 400 400 5 755 Smith,C 8,789.68 18.50% 299.45 08/22/01 10,028.00
20 400 400 5 756 Hewis,S 11,901.76 18.50% 335.10 12/25/00 13,056.45
20 400 400 5 757 Gidron,H 15,328.81 17.00% 406.29 06/18/01 16,348.22
20 400 400 5 759 Workman,J 9,561.13 17.00% 285.48 12/14/00 10,724.00
20 400 400 5 761 Crain,J 9,595.33 18.50% 322.81 06/19/01 10,810.25
20 400 400 5 762 Clayton,W 12,405.45 18.50% 412.96 06/13/01 13,829.00
20 400 400 5 764 GRAHAM,T 12,463.02 17.00% 339.69 06/12/01 13,668.00
20 400 400 5 765 Hall,D 13,424.47 17.00% 335.47 06/26/01 14,559.67 B
20 400 400 5 766 Elliot,J 16,808.52 18.50% 514.46 08/12/01 18,621.75
20 400 400 5 771 Freeman,B 6,133.99 22.00% 246.99 02/03/01 7,190.50
20 400 400 5 772 Huddy,C 10,555.23 18.50% 352.23 07/12/00 11,884.95
20 400 400 5 777 Semmler,R 5,876.66 25.00% 343.24 08/13/01 7,600.00
20 400 400 5 779 WalkerJR,S 10,794.03 18.50% 327.90 12/15/00 11,959.17
20 400 400 5 780 Broadwell,M 14,709.60 19.00% 469.11 12/25/00 16,812.00
20 400 400 5 782 Riley,G 10,778.67 18.50% 325.03 02/19/01 11,854.00
20 400 400 5 783 Coakley,R 14,916.16 18.50% 450.30 09/23/01 16,423.26
31
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 400 400 5 786 Snipes,T 10,450.96 18.50% 316.89 06/26/01 11,557.71
20 400 400 5 788 Cooper,C 10,058.44 18.50% 332.49 05/15/01 11,219.00
20 400 400 5 790 Whitt,C 12,498.05 18.50% 378.46 06/24/99 13,803.00
20 400 400 5 791 Kinne,M 12,520.39 18.50% 379.31 12/01/00 13,834.00
20 400 400 5 793 Salvino,T 10,354.54 18.50% 349.60 10/27/00 11,700.00
20 400 400 5 797 Sherman,D 12,697.26 18.00% 382.77 04/13/01 14,097.95
20 400 400 5 798 Busby,V 12,503.94 18.50% 369.01 07/17/01 13,458.00
20 400 400 5 801 Hobarth,V 11,017.99 18.50% 335.20 05/26/01 12,225.45
20 400 400 5 804 Holmes,M 16,502.16 18.50% 462.00 03/27/01 17,853.60
20 400 400 5 805 Holmes,F 16,519.48 18.50% 488.98 05/18/01 17,834.15
20 400 400 5 809 Hucks,J 6,295.83 22.00% 280.44 01/15/01 7,277.50
20 400 400 5 811 Sawotka,A 6,971.68 25.00% 322.05 12/01/00 8,100.00
20 400 400 5 815 Greene,R 10,625.15 18.50% 349.11 05/29/01 11,779.83
20 400 400 5 819 Miracle,I 8,637.43 18.50% 260.20 02/02/01 9,490.00
20 400 400 5 822 Blount,T 14,319.01 18.50% 430.39 09/28/01 15,697.00
20 400 400 5 824 Boisjolie,J 9,009.24 21.00% 278.79 07/12/01 9,688.00
20 400 400 5 825 Miller,H 8,543.36 18.50% 277.11 09/25/01 9,350.00
20 400 400 5 826 Hicks,C 15,206.61 18.50% 463.31 08/03/00 16,897.91
20 400 400 5 827 Crouse,M 10,886.36 18.50% 345.78 11/09/00 11,578.00
20 400 400 5 829 Faust,A 14,113.56 18.50% 416.81 01/18/01 15,202.00
20 400 400 5 832 Hilgar,K 10,420.70 18.50% 298.31 01/17/01 10,880.00
20 400 400 5 833 Lee,A 10,550.75 18.50% 305.01 08/05/01 11,124.00
20 400 400 5 840 Odom,G 12,876.97 18.50% 372.57 06/01/01 13,588.00
20 400 400 5 841 Allesandro,B 10,818.72 25.00% 377.28 05/27/01 11,379.00
20 400 400 5 843 Smith,J 15,455.25 18.50% 454.32 09/27/01 16,569.93
20 400 400 5 844 Besse,P 9,598.20 18.50% 307.19 11/21/00 10,287.00
20 400 400 5 846 Sweatman,T 9,398.68 18.50% 296.89 12/01/00 10,018.00
20 400 400 5 847 Hagood,S 10,820.59 22.00% 404.88 06/18/01 11,787.63
20 400 400 5 851 Murphy,P 7,845.44 18.50% 241.95 08/07/01 8,824.00
20 400 400 5 852 Jones,M 5,280.27 25.00% 222.25 05/14/01 5,590.01
20 400 400 5 853 Winningham,R 12,179.19 18.50% 355.85 11/27/00 12,880.38
20 400 400 5 855 Mack,R 12,653.97 18.50% 369.58 04/06/01 13,479.00
20 400 400 5 857 Fradenburg,H 17,318.42 18.50% 459.88 11/15/00 17,918.00
20 400 400 5 859 Dangerfield,L 8,662.84 22.00% 323.34 07/05/01 9,414.00
20 400 400 5 860 Hopkins,R 15,988.08 18.50% 431.25 01/19/01 16,802.00
20 400 400 5 861 Nick,M 16,222.57 17.00% 418.52 07/14/01 16,840.45
20 400 400 5 862 Williams,D 17,230.74 17.00% 405.00 11/20/00 17,505.71 B
20 400 400 5 865 Cobb,M 11,861.43 18.50% 338.51 03/14/01 12,253.00
20 400 400 5 866 Crawford,K 10,961.53 18.50% 313.09 05/14/01 11,333.00
20 400 400 5 867 Brown,D 8,168.78 22.00% 299.91 07/14/01 8,700.00
20 400 400 5 872 Booker,D 9,390.84 22.00% 339.18 10/30/00 9,839.35
20 400 400 5 874 Elliott,A 11,701.24 18.50% 332.56 01/10/01 12,129.00
20 400 400 5 877 Geddis,K 14,368.61 18.50% 383.97 07/04/01 14,847.34
20 400 400 5 878 Litchfield,A 11,467.28 25.00% 433.46 12/29/00 12,055.00
20 400 400 5 879 Nesbit,J 14,328.23 18.50% 444.06 07/23/01 14,983.50
20 400 400 5 880 BazzleJR,G 13,066.56 17.00% 338.23 07/15/01 13,609.62
20 400 400 5 883 NelsonJR,L 22,303.89 18.50% 642.70 04/26/01 23,440.37
20 400 400 5 885 Bayles,S 10,218.88 18.50% 293.04 04/24/01 10,687.80
20 400 400 5 887 Fagan,B 5,040.15 22.00% 216.00 05/28/01 5,655.88
20 400 400 5 891 Jenkins,S 8,325.74 22.00% 273.28 06/28/01 8,674.00
20 400 400 5 892 Young,C 9,505.55 22.00% 315.97 01/22/01 9,968.00
20 400 400 5 893 Pack,G 9,778.69 18.50% 278.13 07/15/01 10,144.00
20 400 400 5 894 Jenkins,S 9,805.95 18.50% 277.09 07/19/00 10,106.00
20 400 400 5 895 Creech,P 5,444.92 25.00% 234.62 07/14/01 5,901.00
20 400 400 5 896 Robinson,S 14,064.75 18.50% 371.73 07/17/01 14,424.25
20 400 400 5 897 Myers,K 10,574.85 18.50% 325.88 05/19/01 10,913.00
20 400 400 5 900 Kersey,C 15,936.08 18.50% 425.00 03/20/01 16,558.93
20 400 400 5 901 Heyward,K 12,619.75 18.50% 331.45 09/20/01 12,913.92
20 400 400 5 903 Moore,N 8,242.26 25.00% 315.00 07/18/01 8,760.26
20 400 400 5 904 Williams,L 18,108.58 18.50% 520.03 05/23/01 18,918.37
20 400 400 5 905 Weathers,J 7,585.31 25.00% 316.63 07/19/01 7,963.75
20 400 400 5 906 Dickerson,S 13,847.64 18.50% 389.22 07/19/01 14,195.50
20 400 400 5 907 Holmes,T 9,631.96 22.00% 311.59 06/05/01 9,889.95
20 400 400 5 908 Bates,S 15,648.46 18.50% 413.55 12/05/00 16,104.54
20 400 400 5 909 Wearing,F 11,929.91 18.50% 337.12 01/21/01 12,295.00
20 400 400 5 910 Rowland,R 13,934.32 17.00% 355.31 09/08/00 14,196.38
32
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 400 400 5 911 White,R 7,898.67 22.00% 290.73 06/01/01 8,464.00
20 400 400 5 912 Williams,J 12,744.47 18.50% 368.69 09/16/01 13,447.00
20 400 400 5 913 Moore,S 10,532.33 18.50% 294.21 01/10/00 10,730.47
20 400 400 5 915 Thomas,R 8,963.67 18.50% 249.92 03/06/01 9,115.00
20 400 400 5 916 Stewart,D 11,556.96 17.00% 296.61 05/15/01 11,935.00
20 400 400 5 918 Kinley,T 7,722.37 22.00% 277.94 12/15/00 8,091.95
20 400 400 5 923 Davis,W 8,154.17 25.00% 295.47 05/17/01 8,217.13
20 400 400 5 925 Griffis,J 6,670.17 22.00% 239.96 01/23/01 6,986.00
20 400 400 5 926 Cullifer,J 16,069.02 18.50% 398.58 05/16/01 16,460.50 B
20 400 400 5 927 Williams,A 13,130.42 18.50% 402.29 06/12/01 13,574.21
20 400 400 5 928 King,W 10,641.62 25.00% 399.82 02/03/01 11,119.00
20 400 400 5 930 Wall,B 9,159.51 18.50% 259.21 08/01/01 9,454.00
20 400 400 5 931 Pelton,M 8,107.83 18.00% 227.39 05/12/01 8,375.08
20 400 400 5 932 Starling,U 10,152.11 18.50% 308.92 06/26/01 10,424.00
20 400 400 5 933 Mercer,A 12,396.24 18.50% 352.05 07/09/01 12,840.00
20 400 400 5 934 Glenn,C 9,427.56 18.50% 264.32 06/01/01 9,640.15
20 400 400 5 935 Freitag,L 14,125.99 18.50% 435.33 02/08/01 14,689.00
20 400 400 5 936 Lindsay,A 13,822.80 18.50% 392.60 05/29/01 14,319.00
20 400 400 5 937 Tyburski,D 17,144.19 18.50% 452.75 05/12/01 17,640.25
20 400 400 5 941 Robinson,G 15,088.86 17.00% 347.23 09/27/01 15,308.50 B
20 400 400 5 945 Lund,P 13,262.93 18.50% 342.71 08/30/01 13,352.78
20 400 400 5 946 Deloach,A 14,167.82 18.50% 369.92 12/12/00 14,413.00
20 400 400 5 948 Nichols,M 10,744.35 18.50% 326.46 11/27/00 11,013.50
20 400 400 5 949 Kellough,C 11,887.00 18.50% 325.92 01/14/01 11,887.00
20 400 400 5 950 McConnell,J 20,194.49 18.50% 569.47 05/30/01 20,769.39
20 400 400 5 951 Gordon,D 12,152.95 18.50% 321.51 07/17/00 12,526.70
20 400 400 5 952 Singleton,S 6,810.84 22.00% 223.01 07/21/01 7,078.59
20 400 400 5 953 Watson,T 15,014.89 17.00% 351.74 07/23/01 15,215.85 B
20 400 400 5 954 Hoyt,E 14,332.12 18.50% 435.87 09/26/01 14,707.26
20 400 400 5 955 Meek,C 11,367.93 17.00% 288.05 03/30/01 11,590.50
20 400 400 5 957 Fulwood,B 13,778.85 18.50% 357.69 05/13/01 13,936.50
20 400 400 5 958 Hunt,C 15,154.78 18.50% 395.65 05/17/01 15,416.00
20 400 400 5 959 Davis,K 14,213.35 22.00% 395.02 07/13/00 14,303.00
20 400 400 5 960 Mahr,V 12,468.00 18.50% 320.00 10/12/00 12,468.00
20 400 400 5 961 Cothran,O 9,403.48 22.00% 333.42 09/03/01 9,620.00
20 400 400 5 962 Marlin,C 9,187.73 22.00% 297.11 08/29/00 9,430.25
20 400 400 5 963 Metnuin,R 7,498.72 28.00% 368.99 03/12/00 7,897.59
20 400 400 5 965 McCauley,S 15,467.81 18.50% 424.99 08/12/00 15,500.00
20 400 400 5 967 Hugee,M 12,144.85 18.50% 333.69 03/09/00 12,170.26
20 400 400 5 968 Harris,T 10,765.15 18.50% 301.98 07/05/00 11,014.00
20 400 400 5 969 White,F 9,599.76 18.50% 268.64 08/16/00 9,797.95
20 400 400 5 970 Bedow,J 7,993.07 18.50% 224.21 12/18/00 8,177.50
20 400 400 5 971 Granger,S 13,840.43 18.50% 361.90 07/04/00 14,100.50
20 400 400 5 972 Gaskins,P 8,679.88 28.00% 420.53 08/16/00 9,000.80
20 400 400 5 973 Brassell,M 8,699.35 18.50% 243.76 08/29/00 8,890.50
20 400 400 5 975 Smith,S 9,056.05 17.00% 230.21 08/21/00 9,263.09
20 400 400 5 977 Wilhite,D 13,862.62 18.50% 389.52 08/29/00 14,206.50
20 400 400 5 979 Walker,J 14,456.72 18.50% 378.46 07/01/00 14,745.58
20 400 400 5 980 Williamson,F 7,724.73 22.00% 265.65 08/28/01 7,734.00
20 400 400 5 981 Hucks,M 14,004.76 18.50% 391.90 02/05/00 14,185.32
20 400 400 5 984 James,J 9,250.69 22.00% 298.85 06/15/00 9,485.50
20 400 400 5 985 Clark,S 9,284.52 18.50% 282.53 01/09/01 9,533.19
20 400 400 5 986 Gonzales,D 10,905.57 18.50% 284.46 02/28/01 11,083.28
20 400 400 5 988 Gariepy,R 11,744.61 22.00% 380.55 12/13/00 12,079.00
20 400 400 5 989 Faulks,A 15,429.91 18.50% 399.08 07/02/00 15,429.91
20 400 400 5 991 Litchfield,T 10,787.91 18.50% 297.76 09/30/00 10,860.00
20 400 400 5 992 Campbell,W 13,880.19 18.50% 363.91 02/07/01 14,178.57
20 400 400 5 994 Bookert,D 12,788.00 18.50% 353.33 08/06/00 12,788.00
20 400 400 5 996 Fair,T 12,113.25 18.50% 310.90 08/01/00 12,113.25
20 400 400 5 999 Zukowski,A 10,541.68 18.50% 290.37 02/05/01 10,590.50
20 400 400 5 1000 Miller,S 9,463.75 22.00% 329.23 07/14/00 9,585.00
20 400 400 5 1002 Whitfield,V 8,270.54 22.00% 290.02 07/30/00 8,443.51
20 400 400 5 1003 Hall,T 13,557.00 18.50% 371.71 05/10/00 13,557.00
20 400 400 5 1004 OConnor,M 18,200.50 18.50% 499.03 07/12/00 18,200.50
20 400 400 5 1006 Jones,H 9,286.50 18.50% 275.22 07/16/00 9,286.50
20 400 400 5 1007 Ford,F 9,388.74 18.50% 260.47 07/16/00 9,499.95
33
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 400 400 5 1008 McClennon,B 18,129.09 18.50% 497.08 08/02/00 18,129.09
20 400 400 5 1011 Crites,S 18,706.55 18.50% 485.45 10/10/00 18,914.00
20 400 400 5 1012 Clark,S 12,166.75 18.50% 330.41 07/01/00 12,342.51
20 400 400 5 1013 McCracken,B 19,910.61 18.50% 598.73 02/08/00 20,202.43
20 400 400 5 1014 Lewis,G 5,246.70 25.00% 212.55 08/14/00 5,345.75
20 400 400 5 1015 Lambright,D 8,439.94 22.00% 294.33 07/14/00 8,569.00
20 400 400 5 1016 Campbell,J 10,114.00 25.00% 402.13 03/26/01 10,114.00
20 400 400 5 1017 Christin,A 15,692.62 17.00% 390.00 02/14/01 15,692.62
20 400 400 5 1018 Walton,S 22,059.94 17.00% 548.24 07/17/00 22,059.94
20 400 400 5 1019 Flegler,M 23,137.63 18.50% 593.85 07/24/00 23,137.63
20 400 400 5 1020 Bryant,J 13,543.00 18.50% 374.15 09/01/00 13,543.00
20 400 400 5 1021 Adkins,D 13,408.42 22.00% 425.85 07/20/00 13,516.54
20 400 400 5 1023 Moore,C 6,264.64 28.00% 343.85 08/17/01 6,264.64
20 400 400 5 1024 Middleton,T 11,054.15 22.00% 379.00 07/25/01 11,054.15
20 400 400 6 781 RaneiriSR,J 16,248.40 17.00% 444.90 01/11/01 17,901.69
20 400 400 7 751 Wheeler,B 12,959.70 17.00% 357.59 03/21/00 14,289.00
20 400 400 7 787 Lawter,R 15,663.72 17.00% 426.36 07/14/00 17,036.73
20 400 400 7 823 Fishburne,L 14,669.71 17.00% 380.01 01/18/01 15,184.50
20 400 400 7 839 McCarthy,J 18,706.20 17.00% 496.51 08/01/00 19,978.45
20 400 400 7 884 Fischer,M 18,670.39 17.00% 475.45 07/28/00 19,131.13
20 400 400 7 922 Countiss,T 12,508.90 17.00% 321.41 06/01/00 12,843.00
20 400 400 7 964 Barnes,R 11,375.16 17.00% 289.73 07/11/00 11,658.00
20 400 400 7 976 Valante,D 11,653.66 18.50% 348.34 08/02/00 11,665.00
20 400 400 8 758 Webb,R 9,671.76 18.50% 295.60 07/18/00 10,781.00
20 400 400 8 774 Biering,H 9,618.47 18.50% 301.74 03/26/01 11,005.13
20 400 400 8 775 Franklin,S 11,360.80 17.00% 340.64 01/15/00 12,707.00
20 400 400 8 789 Cifers,W 4,169.54 28.00% 313.14 02/08/01 5,705.25
20 400 400 8 794 Sloan,M 11,411.13 18.50% 338.93 11/24/00 12,361.45
20 400 400 8 795 ColeJR,B 7,545.58 18.50% 253.87 12/25/00 8,566.32
20 400 400 8 796 Ware,M 13,167.63 18.50% 400.00 07/12/00 14,588.40
20 400 400 8 800 Gump,J 10,880.52 18.50% 324.87 02/04/00 11,757.95
20 400 400 8 806 Allen,J 10,816.39 18.50% 354.89 07/18/00 11,883.00
20 400 400 8 810 Moore,D 11,538.50 18.50% 340.00 08/01/01 12,306.92
20 400 400 8 835 Munoz,M 11,759.24 22.00% 360.67 11/02/00 12,214.68 B
20 400 400 8 850 Buchanan,B 9,313.64 18.50% 270.03 08/05/00 9,848.69
20 400 400 8 858 Hearne,R 13,606.33 18.50% 392.35 01/26/01 14,309.67
20 400 400 8 863 Basobas,A 18,293.82 18.50% 500.00 08/06/00 19,343.36 B
20 400 400 8 864 Cleveland,D 8,301.17 18.50% 264.22 07/28/00 8,915.28
20 400 400 8 873 Oliver,T 18,996.57 18.50% 510.49 12/17/00 19,889.95
20 400 400 8 919 Ethridge,E 13,039.88 18.50% 370.15 07/29/00 13,500.00
20 420 420 2 80 Brown,K 12,464.17 17.00% 339.98 01/15/00 13,635.74
20 420 420 2 89 Thomas,C 19,982.36 18.00% 562.13 07/03/00 22,136.79
20 420 420 2 140 Sweat,K 17,899.99 17.00% 465.70 04/09/00 18,738.68
20 420 420 2 160 Hagewood,B 19,393.02 17.00% 496.86 02/24/00 19,852.08
20 420 420 2 169 Rhaburn,A 13,153.01 17.00% 337.76 02/22/00 13,590.41
20 420 420 2 176 Oates,S 13,337.17 17.00% 339.60 08/01/99 13,664.41
20 420 420 2 180 KERNS,K 12,819.21 17.00% 328.68 10/14/00 13,225.28
20 420 420 2 195 Clardey,H 15,986.24 17.00% 399.06 02/26/00 16,057.18
20 420 420 2 201 Butler,R 12,517.29 17.00% 320.00 01/29/00 12,876.13
20 420 420 2 205 McKinney,E 16,572.22 17.00% 420.22 06/29/00 16,908.69
20 420 420 2 208 Killus,T 15,017.41 17.00% 373.22 07/05/01 15,017.41
20 420 420 2 213 Ormond,D 13,351.22 17.00% 335.46 06/30/00 13,498.08
20 420 420 2 214 Montgomery,D 16,327.53 17.00% 405.78 02/12/00 16,327.53
20 420 420 2 216 Cottrell,T 15,796.02 17.00% 395.95 03/16/01 15,932.26
20 420 420 2 222 Trotter,G 15,486.28 17.00% 386.37 01/13/01 15,546.81
20 420 420 2 239 Miller,M 15,516.50 17.00% 390.60 08/09/00 15,716.78
20 420 420 2 241 Dodson,D 13,689.03 17.00% 340.21 02/12/01 13,689.03
20 420 420 2 242 Dodson,D 13,508.63 17.00% 335.72 02/21/01 13,508.63
20 420 420 3 73 Davis,C 15,727.80 17.00% 447.35 08/13/01 18,000.00
20 420 420 3 90 Jones,D 13,296.55 17.00% 368.10 07/01/00 14,811.55
20 420 420 3 98 Tippitt,G 14,954.09 17.00% 393.23 12/29/00 15,711.43
20 420 420 3 103 Waller,L 14,620.07 17.00% 393.33 07/05/00 15,826.37
20 420 420 3 112 Jones,B 21,733.72 17.00% 584.65 04/11/01 23,524.80
20 420 420 3 115 Thomas,T 13,684.90 17.00% 369.52 12/12/00 14,868.36
20 420 420 3 136 Lair,N 16,834.90 17.00% 442.32 01/08/01 17,797.95
20 420 420 3 139 Chandler,E 15,185.21 17.00% 398.16 02/18/00 16,020.76
34
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 420 420 3 148 Maxwell,R 21,673.17 17.00% 562.84 01/18/00 22,647.17
20 420 420 3 179 Wyatte,R 16,945.96 17.00% 435.86 08/13/00 17,538.05
20 420 420 3 181 ROSS,C 18,712.14 17.00% 471.10 07/12/00 18,955.93
20 420 420 3 199 Doan,S 20,597.08 17.00% 535.75 03/20/01 21,557.30
20 420 420 3 200 Martinez,J 16,378.77 17.00% 407.70 08/09/00 16,404.75
20 420 420 3 215 Crutchfield,L 15,739.26 17.00% 395.31 07/09/00 15,796.15
20 420 420 3 219 Davis,M 20,288.46 17.00% 507.61 02/21/01 20,425.07
20 420 420 3 223 HIll,A 13,678.39 17.00% 342.17 04/08/00 13,768.16
20 420 420 3 231 Armour,S 15,298.49 17.00% 380.20 05/21/00 15,298.49
20 420 420 3 235 Hunter,A 12,473.76 17.00% 310.00 08/03/00 12,473.76
20 420 420 3 245 Brown,L 19,919.41 17.00% 495.04 10/27/00 19,919.41
20 420 420 4 154 Miller,S 7,652.70 24.00% 258.55 07/11/00 8,490.39
20 420 420 4 174 Cox,G 9,655.48 18.50% 275.31 07/16/00 9,970.35
20 420 420 5 81 Street,M 8,862.72 17.00% 247.49 03/21/01 9,958.57
20 420 420 5 82 McKinnie,B 13,588.71 17.99% 374.56 01/25/00 14,753.39
20 420 420 5 83 Davis,H 12,524.37 17.99% 389.91 02/11/00 14,363.51
20 420 420 5 85 OBryan,R 12,803.77 17.00% 352.54 02/27/01 14,093.47
20 420 420 5 87 Jones,P 12,299.79 18.50% 369.00 07/02/00 13,457.98
20 420 420 5 88 Dixon,P 11,254.06 18.50% 341.71 08/15/00 12,375.11
20 420 420 5 94 McGlockin,J 9,983.31 18.50% 303.45 07/13/00 10,984.08
20 420 420 5 99 Garner,M 13,715.50 22.00% 478.49 03/26/00 15,051.08
20 420 420 5 100 Graves,J 15,358.82 18.50% 505.32 08/11/00 17,050.63
20 420 420 5 101 Cavett,S 17,734.07 18.50% 499.27 01/05/01 19,452.43
20 420 420 5 102 Brown,D 11,099.60 18.50% 366.85 08/28/00 12,291.14
20 420 420 5 104 Bishop,L 9,095.81 18.50% 298.17 06/15/00 10,060.88
20 420 420 5 105 Foster,J 13,015.43 18.50% 390.29 04/19/01 14,234.56
20 420 420 5 106 Branham,P 11,697.79 18.50% 349.87 05/22/00 12,657.93
20 420 420 5 107 Bailor,T 11,417.63 18.50% 337.06 03/27/00 12,255.93
20 420 420 5 109 Hill,D 9,067.68 18.50% 270.97 09/05/01 9,882.69
20 420 420 5 110 Ramey,J 12,827.58 18.50% 377.58 03/10/01 13,771.17
20 420 420 5 114 Richmond,T 6,378.02 25.00% 250.00 02/25/01 6,952.58
20 420 420 5 116 Lane,D 13,364.63 18.50% 366.44 03/01/01 14,176.80
20 420 420 5 119 Hogue,P 11,982.85 18.50% 348.75 03/11/01 12,719.59
20 420 420 5 121 Bailey,C 7,342.74 22.00% 249.95 02/19/01 7,933.40
20 420 420 5 122 Rogers,R 10,265.78 18.50% 333.65 10/07/00 11,172.18
20 420 420 5 124 Degnegaard,J 9,396.01 22.00% 358.17 03/14/01 10,427.51
20 420 420 5 125 Woods,E 9,244.73 22.00% 342.07 05/15/00 9,958.91
20 420 420 5 128 Ferguson,S 6,275.02 28.00% 284.20 09/02/00 6,870.66
20 420 420 5 129 Pulley,R 11,818.79 18.50% 349.43 11/02/00 12,744.39
20 420 420 5 131 Stroud,J 11,437.45 18.50% 334.40 09/15/00 12,102.71
20 420 420 5 132 Jones,A 10,791.29 18.50% 343.49 03/17/01 11,589.95
20 420 420 5 134 Hendricks,R 8,884.88 18.50% 275.45 09/03/00 9,294.39
20 420 420 5 135 Meullion,L 12,308.17 18.50% 353.46 03/25/01 12,792.90
20 420 420 5 138 Ladson,C 9,430.99 18.50% 253.16 10/06/00 9,863.66
20 420 420 5 143 Hudgens,M 10,699.59 18.50% 312.37 03/05/01 11,392.88
20 420 420 5 144 Waddell,E 12,288.50 18.50% 351.86 07/20/01 12,734.90
20 420 420 5 145 Bailey,S 13,067.65 18.50% 374.27 11/21/00 13,643.13
20 420 420 5 146 Conley,H 10,369.45 22.00% 343.45 04/08/01 10,901.29
20 420 420 5 149 Steward,J 9,505.42 18.50% 268.34 06/02/00 9,786.66
20 420 420 5 150 Hairston,L 10,563.32 22.00% 376.00 04/03/01 10,848.54
20 420 420 5 153 Robertson,R 11,651.08 24.00% 462.62 09/30/00 14,190.00
20 420 420 5 155 Brakefield,W 17,392.47 18.50% 498.02 09/17/00 18,026.71
20 420 420 5 159 Rivers,M 9,905.57 22.00% 363.44 10/16/00 10,574.46
20 420 420 5 161 Cheek,M 10,232.63 18.50% 314.34 03/14/01 10,552.50
20 420 420 5 163 Karnes,R 13,103.13 18.50% 377.58 05/02/00 13,771.00
20 420 420 5 164 Northcutt,M 9,978.50 18.50% 284.58 10/05/00 10,379.11
20 420 420 5 165 McGuire,C 12,108.64 17.00% 372.58 03/25/00 12,912.08
20 420 420 5 166 Jackson,M 9,047.05 18.50% 276.44 10/10/01 9,327.67
20 420 420 5 167 Brooks,D 14,461.66 18.50% 380.31 09/11/00 14,734.67
20 420 420 5 168 Collins,E 13,772.53 18.50% 367.61 11/30/00 14,322.89
20 420 420 5 171 Keen,H 6,377.20 25.00% 310.43 07/10/00 6,873.63
20 420 420 5 172 Bryant,B 12,552.38 17.00% 320.53 04/02/00 12,897.42
20 420 420 5 173 Thomas,S 13,074.65 18.50% 369.63 10/20/00 13,379.26
20 420 420 5 175 Wilson,D 11,128.70 18.50% 343.72 07/14/99 11,597.83
20 420 420 5 177 White,L 9,499.31 18.50% 269.82 12/25/00 9,840.77
20 420 420 5 178 Grant,S 10,998.61 18.50% 328.70 12/31/00 11,090.81
35
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 420 420 5 182 Jones,S 9,622.87 22.00% 313.82 03/28/00 9,960.66
20 420 420 5 183 Carter,S 10,953.40 18.50% 330.63 04/01/00 12,058.68
20 420 420 5 187 Bell,D 14,258.77 17.00% 361.44 12/14/00 14,543.27
20 420 420 5 188 Taylor,S 13,747.27 18.50% 383.20 04/01/00 13,975.93
20 420 420 5 189 Daniel,J 12,440.36 18.50% 346.22 04/10/00 12,627.20
20 420 420 5 191 Lowy,D 11,766.61 18.50% 328.90 04/05/00 11,995.63
20 420 420 5 193 Blake,M 8,811.69 22.00% 308.84 03/27/00 8,911.06
20 420 420 5 194 Haskil,K 12,907.08 18.50% 362.46 03/22/00 13,219.40
20 420 420 5 196 Parks,C 14,518.15 18.50% 405.00 11/01/00 14,806.74
20 420 420 5 197 Scribner,J 12,381.24 18.50% 323.44 03/13/00 12,601.95
20 420 420 5 202 Sales,V 15,947.52 18.50% 440.58 08/15/01 15,947.52
20 420 420 5 203 Petrisher,J 12,653.76 18.50% 352.13 08/23/00 12,842.60
20 420 420 5 206 Sadler,P 12,220.14 18.50% 337.64 08/18/01 12,220.14
20 420 420 5 209 Pritchett,E 10,391.28 22.00% 327.79 02/15/01 10,404.00
20 420 420 5 210 Cleveland,G 10,795.93 18.50% 279.93 02/13/01 10,823.33
20 420 420 5 211 Jolly,M 9,039.61 22.00% 287.97 04/04/00 9,140.30
20 420 420 5 212 Allard,D 12,295.79 18.50% 337.71 08/12/00 12,316.90
20 420 420 5 217 Shehorn,H 8,704.69 18.50% 262.06 04/07/00 8,842.21
20 420 420 5 218 Bowen,A 17,284.24 18.50% 477.10 08/28/00 17,400.65
20 420 420 5 220 Carter,R 9,560.23 18.50% 285.51 03/10/00 9,560.23
20 420 420 5 221 Morton,E 7,477.15 25.00% 302.26 08/07/00 7,602.37
20 420 420 5 224 Smith,H 17,510.75 17.00% 439.23 03/21/00 17,549.47
20 420 420 5 225 Hinkle,T 14,966.42 18.50% 413.52 06/11/00 14,966.42
20 420 420 5 226 Winters,J 10,469.05 18.50% 312.66 09/07/00 10,469.05
20 420 420 5 227 Freguson,J 17,678.97 18.50% 488.47 07/04/00 17,678.97
20 420 420 5 228 Wiggins,S 16,209.60 18.50% 444.45 02/21/01 16,209.60
20 420 420 5 230 Nelson,C 11,248.62 18.50% 333.37 08/16/00 11,248.62
20 420 420 5 233 Ransom,J 13,065.50 18.50% 358.23 08/14/01 13,065.50
20 420 420 5 234 Joseph,J 12,681.81 18.50% 325.49 12/22/99 12,681.81
20 420 420 5 237 Johnson,R 16,543.08 18.50% 424.60 02/21/01 16,543.08
20 420 420 5 238 Dunn,M 11,201.71 18.50% 331.98 05/04/00 11,201.71
20 420 420 5 240 Spratt,J 18,562.13 17.00% 461.31 02/28/01 18,562.13
20 420 420 5 243 Green,J 17,582.89 18.50% 521.10 02/14/01 17,582.89
20 420 420 5 244 Toth,D 13,605.47 17.00% 340.52 02/28/01 13,605.47
20 420 420 5 246 Clark,G 12,684.76 18.50% 325.56 09/02/00 12,684.76
20 420 420 5 247 Frazier,N 12,070.62 18.50% 309.84 08/29/00 12,070.62
20 420 420 5 248 Bailey,D 17,293.15 17.00% 429.78 06/27/00 17,293.15
20 420 420 5 249 Peebles,S 12,143.47 18.50% 362.66 08/15/00 12,143.47
20 420 420 6 108 Rash,R 16,144.20 17.00% 434.34 01/11/01 17,477.02
20 420 420 7 92 Lane,W 16,388.76 17.00% 441.65 06/15/00 17,771.08
20 420 420 7 97 Lancaster,J 15,754.59 17.00% 417.27 09/06/00 16,789.61
20 420 420 7 127 Shores,J 12,278.54 17.00% 318.95 07/06/01 12,833.90
20 420 420 7 198 Griffith,G 17,804.63 17.00% 453.19 07/08/00 18,235.44
20 420 420 7 236 Diggs,G 14,284.44 17.00% 355.00 07/15/00 14,284.44
20 420 420 8 95 Dunn,J 6,709.82 22.00% 238.48 01/18/01 7,569.50
20 420 420 8 96 Garrett,T 6,437.71 22.00% 224.31 07/18/00 7,051.63
20 420 420 8 117 Vincent,C 10,111.40 18.50% 315.41 07/12/00 11,503.29
20 420 420 8 118 Barrett,M 9,524.23 22.00% 373.06 07/18/00 10,861.36
20 420 420 8 141 Hayden,R 12,957.47 22.00% 481.75 08/14/00 14,025.33
20 420 420 8 142 Byars,T 10,512.51 18.50% 335.36 07/23/00 11,315.87
20 420 420 8 147 Hill,J 17,074.52 17.50% 447.78 07/01/01 17,705.48
20 420 420 8 151 Coleman,R 7,907.48 22.00% 278.58 07/02/00 8,042.00
20 420 420 8 158 Shaw,R 18,173.70 18.50% 487.45 01/25/01 18,992.19
20 420 420 8 190 King,W 11,058.54 25.00% 408.98 03/03/01 11,373.79
20 420 420 8 229 Shipman,R 10,671.19 22.00% 341.41 03/04/01 10,836.26
20 420 420 8 232 Bell,J 13,618.33 17.00% 338.45 09/09/00 13,618.33
20 430 430 2 4 Reeves,J 12,786.41 18.00% 349.82 09/27/01 13,680.56
20 430 430 2 27 Hicks,R 11,361.75 18.00% 307.92 03/30/01 12,126.32
20 430 430 2 41 Walker,R 17,411.37 18.00% 466.29 09/21/00 18,362.95
20 430 430 2 67 Ford,J 14,531.94 18.00% 385.37 09/25/00 15,064.86
20 430 430 2 68 Johnson,B 11,437.76 18.00% 305.41 10/19/00 12,027.43
20 430 430 2 86 Thomas,D 12,494.34 18.00% 322.41 06/09/00 12,677.89
20 430 430 2 90 Lincoln,J 13,695.58 18.00% 356.22 08/03/00 13,925.09
20 430 430 2 94 Delvillar,O 17,976.66 18.00% 476.38 08/14/01 18,649.72
20 430 430 2 117 Elia,A 14,421.79 18.00% 377.47 12/15/00 14,864.88
20 430 430 2 124 Johnson,C 12,684.80 18.00% 332.37 10/05/01 13,088.93
36
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 430 430 2 125 Wilson,W 11,449.19 18.00% 300.73 06/09/00 11,843.13
20 430 430 2 133 Baker,V 13,617.91 18.00% 360.84 12/09/99 14,210.26
20 430 430 2 159 Bullard,I 21,457.64 18.00% 553.42 04/11/01 21,794.17
20 430 430 2 178 Calip,J 13,551.93 18.00% 349.69 03/09/01 13,770.96
20 430 430 2 186 Soularie,H 14,109.72 18.00% 363.18 10/07/00 14,302.20
20 430 430 2 200 Hairgrove,B 14,004.12 18.00% 358.52 07/02/00 14,118.95
20 430 430 2 214 Scott,M 16,731.20 18.00% 428.98 02/27/01 16,893.59
20 430 430 2 240 Bibbs,C 15,235.58 18.00% 386.88 03/20/01 15,235.58
20 430 430 2 245 Gibson,G 15,227.97 18.00% 386.69 12/07/00 15,227.97
20 430 430 2 257 Robinson,D 13,415.28 18.00% 340.66 09/16/01 13,415.28
20 430 430 2 260 Williams,S 13,392.22 18.00% 340.07 06/15/00 13,392.22
20 430 430 2 266 Ervin,J 17,276.56 18.00% 438.71 09/22/01 17,276.56
20 430 430 2 276 Odoms,K 16,232.05 18.00% 412.18 02/13/01 16,232.05
20 430 430 2 277 Hymes,C 25,465.95 18.00% 646.66 11/28/00 25,465.95
20 430 430 2 287 Miller,J 14,730.92 18.00% 374.06 06/27/00 14,730.92
20 430 430 2 303 Clement,S 15,728.42 18.00% 399.39 12/12/00 15,728.42
20 430 430 3 3 Kolb,K 18,051.04 18.00% 488.90 03/07/00 19,111.94
20 430 430 3 8 Costello,S 11,668.90 18.00% 321.17 09/24/00 12,647.79
20 430 430 3 13 Oudumphong,S 13,748.11 18.00% 376.49 05/06/00 14,826.47
20 430 430 3 23 Morgan,T 16,704.19 18.00% 451.72 07/21/00 17,789.16
20 430 430 3 40 Cruz,D 15,164.36 18.00% 404.33 02/04/00 15,922.98
20 430 430 3 52 Parker,J 13,365.63 18.00% 353.56 03/30/00 13,826.80
20 430 430 3 53 Douglas,V 13,216.20 18.00% 353.56 07/24/01 13,826.88
20 430 430 3 61 Everett,T 15,544.95 18.00% 410.43 12/15/00 16,042.83
20 430 430 3 122 ODaniel,T 15,403.26 18.00% 399.03 05/10/00 15,714.00
20 430 430 3 135 Nzewi,C 22,503.03 18.00% 586.58 01/10/01 23,100.00
20 430 430 3 161 Vargas,R 16,779.39 18.00% 436.01 06/14/00 17,170.44
20 430 430 3 174 Stolze,S 13,560.60 18.00% 350.97 06/28/00 13,821.66
20 430 430 3 182 Weik,T 7,141.58 18.00% 184.93 06/03/00 7,282.79
20 430 430 3 190 Sanders,R 12,473.56 18.00% 323.13 09/24/00 12,725.00
20 430 430 3 198 Taylor,M 14,039.87 18.00% 359.62 09/04/00 14,162.04
20 430 430 3 212 Rodriguez,C 13,531.59 17.95% 346.45 11/20/00 13,558.00
20 430 430 3 217 Rodriguez,P 18,547.80 18.00% 478.57 06/21/00 18,846.33
20 430 430 3 228 Rhodes,C 12,507.66 18.00% 321.01 12/29/00 12,641.65
20 430 430 3 252 Cruz,J 19,552.64 18.00% 496.50 07/30/00 19,552.64
20 430 430 3 259 King,D 11,999.00 18.00% 304.69 04/05/00 11,999.00
20 430 430 3 269 Ortiz,M 30,919.09 18.00% 785.14 06/20/99 30,919.09
20 430 430 3 270 Samperi,C 15,428.95 18.00% 391.79 06/30/01 15,428.95
20 430 430 3 272 Prehoda,M 26,980.00 18.00% 685.11 11/15/00 26,980.00
20 430 430 3 273 Tezeno,K 15,573.51 18.00% 395.46 04/02/00 15,573.51
20 430 430 3 274 Vail,D 12,775.05 18.00% 355.56 02/09/01 12,775.05
20 430 430 3 275 Buchanan,M 15,088.72 18.00% 388.03 02/20/01 15,280.83
20 430 430 3 280 Crain,K 13,137.27 18.00% 333.60 09/26/00 13,137.27
20 430 430 3 283 Ross,M 15,589.62 18.00% 395.87 02/13/01 15,589.62
20 430 430 3 298 Garrett,R 15,781.29 18.00% 400.74 02/18/01 15,781.29
20 430 430 3 299 Edmond,G 12,825.84 18.00% 325.69 06/04/00 12,825.84
20 430 430 4 286 Branch,H 22,139.06 18.00% 562.18 02/15/01 22,139.06
20 430 430 5 6 Parish,T 5,590.31 22.00% 249.66 05/03/00 6,537.28
20 430 430 5 7 Reyes,J 12,023.40 18.00% 350.01 09/21/00 12,797.06
20 430 430 5 11 Adams,T 13,853.37 18.00% 379.05 09/25/00 14,927.30
20 430 430 5 14 Brown,B 14,296.31 17.95% 423.81 12/15/00 15,620.94
20 430 430 5 15 Chapple,L 10,273.14 18.00% 296.96 02/05/01 10,937.26
20 430 430 5 18 Arreguin,N 9,733.48 22.00% 417.85 12/27/99 10,941.35
20 430 430 5 21 Kucherka,G 3,485.81 25.00% 232.85 08/27/00 4,381.61
20 430 430 5 22 Jones,S 9,218.51 22.00% 399.81 02/29/00 10,468.88
20 430 430 5 26 Mccoy,B 13,284.49 18.00% 426.89 07/17/99 14,503.85
20 430 430 5 30 Starling,J 12,277.27 18.00% 361.70 09/30/00 13,321.76
20 430 430 5 35 Woods,K 16,450.82 18.00% 474.64 09/28/00 17,481.48
20 430 430 5 37 Mcfairen,S 5,463.77 22.00% 227.69 09/30/00 5,961.87
20 430 430 5 42 Horace,D 9,915.15 18.00% 286.24 04/05/00 10,465.09
20 430 430 5 43 Miller,H 9,280.04 22.00% 389.72 03/30/00 10,113.40
20 430 430 5 45 Spinks,C 9,163.76 21.50% 314.98 02/10/00 9,997.48
20 430 430 5 46 Yarbrough,B 12,362.33 18.00% 357.34 06/20/00 13,161.30
20 430 430 5 48 Zuniga,C 17,352.89 18.00% 494.19 04/05/00 18,201.42
20 430 430 5 49 Mcdougald,J 13,645.53 18.00% 394.57 10/11/00 14,532.45
20 430 430 5 50 Robinson,D 9,336.06 18.00% 269.91 04/04/00 9,892.34
37
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 430 430 5 51 Wilson,R 6,944.12 21.75% 256.99 06/08/00 7,511.10
20 430 430 5 54 Rocha,J 13,276.95 18.00% 382.82 03/28/00 14,002.96
20 430 430 5 58 Bostain,J 12,380.10 18.00% 357.56 01/19/01 13,169.38
20 430 430 5 60 Stubblefield,J 12,520.16 18.00% 356.39 02/06/01 13,029.77
20 430 430 5 63 Martinez,A 12,132.73 18.00% 351.42 03/16/01 12,943.25
20 430 430 5 64 Crager,R 8,264.81 21.50% 272.76 12/24/99 8,732.30
20 430 430 5 70 Oldham,D 8,571.35 22.00% 355.10 12/25/00 9,215.02
20 430 430 5 71 Courtney,R 15,179.91 18.00% 433.94 06/13/00 15,982.56
20 430 430 5 74 Randall,J 17,324.50 18.00% 487.57 05/29/00 17,957.63
20 430 430 5 75 Zoch,M 11,774.53 18.00% 333.68 12/01/00 12,289.93
20 430 430 5 78 Domio,M 14,647.32 21.75% 525.00 04/04/00 15,343.88
20 430 430 5 79 Thomas,L 17,757.78 18.00% 507.10 05/23/00 18,539.88
20 430 430 5 80 Smarr,R 12,914.74 18.00% 378.82 03/30/01 13,849.96
20 430 430 5 81 Henry,E 14,768.08 18.00% 421.22 12/01/00 15,400.00
20 430 430 5 84 Cobbs,C 14,370.85 18.00% 409.67 06/03/00 15,021.71
20 430 430 5 85 Wesley,J 7,801.80 22.00% 316.34 03/22/00 8,208.08
20 430 430 5 89 McCollough,D 16,072.29 18.00% 419.06 11/13/00 16,381.88
20 430 430 5 91 Stokley,L 8,016.77 18.00% 228.88 05/14/00 8,367.93
20 430 430 5 92 Simmons,T 14,378.14 18.00% 381.25 04/03/00 15,014.06
20 430 430 5 93 Briceno,J 12,701.34 18.00% 367.76 06/23/00 13,545.00
20 430 430 5 96 Breitung,J 10,353.95 18.00% 322.75 05/21/00 10,987.44
20 430 430 5 99 Miller,C 13,619.44 18.00% 400.00 11/24/00 14,732.44
20 430 430 5 101 Perodin,D 11,198.19 21.50% 369.02 04/08/00 11,821.17
20 430 430 5 102 Brooks,Z 14,680.37 18.00% 384.44 06/19/00 15,028.21
20 430 430 5 105 Marshall,S 17,191.40 18.00% 443.61 01/03/01 17,469.66
20 430 430 5 106 Gutierrez,T 6,349.29 25.00% 273.04 12/21/00 6,867.32
20 430 430 5 107 Beck,R 4,023.21 22.23% 196.15 11/13/00 4,483.68
20 430 430 5 108 Scott,M 7,555.86 18.00% 235.27 12/17/00 8,009.41
20 430 430 5 109 Wynn,R 15,729.43 18.00% 442.92 07/05/00 16,193.42
20 430 430 5 110 Eleby,L 8,805.37 18.00% 274.28 04/13/00 9,337.43
20 430 430 5 112 Smith,M 12,851.81 18.00% 359.80 04/12/00 13,251.94
20 430 430 5 113 Relona,T 10,760.94 18.00% 281.75 10/21/00 11,095.56
20 430 430 5 114 Wilson,W 18,837.27 18.00% 491.54 03/25/00 19,309.42
20 430 430 5 120 Davis,S 10,658.53 18.00% 325.79 05/11/00 11,090.98
20 430 430 5 126 Severson,B 13,580.34 18.00% 374.85 04/05/00 13,703.21
20 430 430 5 127 Davidson,L 12,045.22 18.00% 315.81 07/10/00 12,437.01
20 430 430 5 128 Ward,A 14,770.06 21.00% 526.21 04/04/00 15,559.10
20 430 430 5 129 Wetherell,C 5,161.94 24.50% 303.64 01/26/00 5,716.00
20 430 430 5 130 Hankins,T 6,640.01 21.00% 264.31 04/02/00 7,015.63
20 430 430 5 132 Armstrong,A 9,979.04 18.00% 312.79 04/08/00 10,648.42
20 430 430 5 134 Burton,J 8,141.72 21.00% 325.32 04/19/00 8,635.10
20 430 430 5 136 Joseph,F 16,618.23 18.00% 435.80 12/20/00 17,162.23
20 430 430 5 137 Hearon,K 10,657.21 18.00% 299.00 09/16/00 10,932.53
20 430 430 5 138 Solano,F 11,059.20 18.00% 289.00 01/08/01 11,381.17
20 430 430 5 139 Chapa,C 9,184.93 18.00% 282.72 02/02/00 9,624.67
20 430 430 5 140 BARZAR,E 13,458.83 18.00% 370.00 04/20/00 13,627.60
20 430 430 5 142 Nunez,R 10,432.18 18.00% 315.10 08/15/00 10,653.42
20 430 430 5 144 Maddox,L 19,126.24 18.00% 500.12 11/18/00 19,695.00
20 430 430 5 145 Roberson,R 9,994.07 18.00% 306.66 03/08/00 10,439.80
20 430 430 5 146 Gonzales,J 13,897.43 18.00% 383.86 10/03/00 14,138.02
20 430 430 5 147 Norris,N 9,847.57 18.00% 258.14 09/11/00 10,165.93
20 430 430 5 148 Tezeno,Y 17,254.73 18.00% 451.85 05/03/00 17,794.12
20 430 430 5 151 Phillips,F 12,442.42 18.00% 325.00 09/14/00 12,798.64
20 430 430 5 154 Etienne,G 11,624.22 25.00% 550.83 03/09/01 12,204.89
20 430 430 5 155 Ramirez,M 13,018.50 18.00% 340.72 11/07/00 13,417.90
20 430 430 5 156 Moore,I 8,787.99 18.00% 270.29 03/21/01 9,138.37
20 430 430 5 157 Jones,T 13,758.89 18.00% 380.72 05/01/00 14,022.44
20 430 430 5 160 Roach,R 12,751.28 18.00% 353.25 09/20/00 13,010.54
20 430 430 5 164 Cotton,N 5,087.94 24.50% 289.00 04/03/00 5,440.48
20 430 430 5 165 Williams,C 4,330.87 24.50% 245.44 09/14/01 4,620.40
20 430 430 5 166 Brown,R 20,653.74 18.00% 535.02 03/27/01 21,079.95
20 430 430 5 167 Holmes,T 17,991.11 18.00% 456.85 04/06/01 17,991.11
20 430 430 5 168 Hall,S 17,916.34 18.00% 460.94 10/09/00 18,152.00
20 430 430 5 169 Taylor,L 10,398.76 18.00% 290.11 08/21/00 10,685.00
38
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 430 430 5 170 Zaragoza,V 23,402.12 18.00% 600.89 04/27/00 23,663.40
20 430 430 5 171 Hill,L 14,781.68 18.00% 381.40 02/26/01 15,019.74
20 430 430 5 172 Zaragoza,V 19,535.05 18.00% 496.85 01/22/00 19,566.20
20 430 430 5 173 Rodriguez,R 6,673.54 21.00% 225.70 04/03/01 6,673.54
20 430 430 5 175 Stewart,A 12,520.17 18.00% 346.86 12/21/00 12,768.88
20 430 430 5 176 Cox,M 7,162.58 21.00% 250.00 06/27/00 7,392.08
20 430 430 5 177 Thomas,A 9,771.52 18.00% 295.19 01/14/01 10,049.12
20 430 430 5 179 Johnson,S 5,624.76 21.00% 220.76 05/15/00 5,859.60
20 430 430 5 181 Lopez,R 9,319.83 18.00% 258.79 09/27/01 9,531.52
20 430 430 5 183 Volkman,P 12,057.07 21.00% 381.92 04/24/00 12,333.69
20 430 430 5 184 Murphy,S 12,451.29 22.00% 431.58 04/30/00 12,572.60
20 430 430 5 187 Anderson,M 20,486.71 18.00% 526.04 07/31/00 20,715.72
20 430 430 5 188 Lairson,J 16,853.66 18.00% 428.71 04/02/00 16,882.74
20 430 430 5 189 Langley,S 15,716.44 18.00% 401.47 08/01/00 15,810.00
20 430 430 5 191 Brock,D 9,613.66 18.00% 289.95 04/06/01 9,870.66
20 430 430 5 192 Clendenen,M 12,981.56 21.00% 414.94 08/23/00 13,400.00
20 430 430 5 195 Martinez,H 13,741.40 18.00% 350.75 06/17/00 13,812.87
20 430 430 5 196 Rideau,M 12,947.31 18.00% 328.77 08/21/00 12,947.31
20 430 430 5 197 Royston,S 21,425.52 18.00% 548.80 12/26/00 21,611.95
20 430 430 5 199 Washington,L 8,038.55 21.00% 307.18 06/14/00 8,153.40
20 430 430 5 201 Lacy,L 15,921.48 18.00% 442.40 08/10/99 16,294.15
20 430 430 5 202 Mathis,D 8,228.57 21.00% 286.52 07/11/00 8,471.91
20 430 430 5 203 Marvels,D 7,372.19 25.00% 349.91 07/06/00 7,747.86
20 430 430 5 204 Singletary,E 18,271.89 18.00% 509.27 01/10/01 18,756.90
20 430 430 5 207 Herring,J 10,074.73 21.00% 351.85 07/05/00 10,403.46
20 430 430 5 209 Flores,R 15,242.01 18.00% 417.55 01/26/01 15,378.95
20 430 430 5 210 Jackson,A 9,935.18 21.00% 346.74 05/16/01 10,252.38
20 430 430 5 211 Gale,W 9,984.60 21.50% 315.03 01/11/01 10,085.76
20 430 430 5 213 Stubblefield,T 13,862.74 18.00% 354.90 07/14/00 13,976.41
20 430 430 5 215 Morgan,M 13,012.60 18.00% 333.97 01/04/01 13,152.00
20 430 430 5 218 Garrett,R 27,287.42 18.00% 750.91 07/18/01 27,656.45
20 430 430 5 219 Madea,J 11,608.34 18.00% 315.18 07/21/00 11,608.34
20 430 430 5 221 Delacerda,J 5,607.60 21.00% 193.31 06/30/00 5,715.84
20 430 430 5 222 McGhee,N 15,725.68 18.00% 404.00 01/29/01 15,910.00
20 430 430 5 223 Vidal,T 23,632.82 18.00% 605.34 07/27/01 23,838.46
20 430 430 5 224 Barnhill,S 11,593.50 18.00% 318.24 12/02/00 11,721.00
20 430 430 5 225 Slaughter,C 16,672.53 18.00% 494.03 01/22/01 16,818.22
20 430 430 5 226 Reggie,P 11,605.65 18.00% 297.41 03/29/00 11,712.46
20 430 430 5 229 Campos,B 4,831.59 24.50% 219.76 01/30/01 4,893.68
20 430 430 5 230 Franklin,J 12,766.35 21.75% 443.53 01/29/01 12,962.71
20 430 430 5 231 Winters,C 25,496.50 18.00% 647.44 01/17/00 25,496.50
20 430 430 5 233 Bonner,S 22,052.97 18.00% 560.00 07/20/00 22,052.97
20 430 430 5 234 Hayes,C 8,437.68 24.50% 378.90 09/21/00 8,437.68
20 430 430 5 236 Eichberger,J 8,672.77 21.00% 293.31 09/20/00 8,672.77
20 430 430 5 237 Scott,I 13,812.86 18.00% 375.03 08/14/99 13,812.86
20 430 430 5 238 Ferguson,J 10,461.04 18.00% 311.37 05/30/01 10,599.91
20 430 430 5 239 Williams,T 13,350.00 18.00% 339.00 08/11/00 13,350.00
20 430 430 5 242 Venegas,R 23,968.56 18.00% 608.14 12/01/00 23,968.56
20 430 430 5 243 Garcia,R 15,238.43 18.00% 415.18 08/12/00 15,291.64
20 430 430 5 244 Perry,M 19,966.00 18.00% 510.75 11/28/00 19,966.00
20 430 430 5 246 Morehead,P 11,372.49 18.00% 291.58 04/04/00 11,482.87
20 430 430 5 247 Diaz,G 6,011.08 24.50% 269.93 02/08/00 6,011.08
20 430 430 5 248 Brooks,F 12,564.91 18.00% 321.84 02/12/00 12,674.24
20 430 430 5 249 Mondragon,F 8,958.44 18.00% 266.65 03/28/01 9,077.37
20 430 430 5 251 Givens,M 22,000.00 18.00% 597.33 05/27/00 22,000.00
20 430 430 5 253 Chanel,R 18,854.42 18.00% 478.77 12/12/00 18,854.42
20 430 430 5 254 Seckinger,G 11,573.01 18.00% 318.63 03/09/00 11,735.39
20 430 430 5 255 Durbin,J 16,132.16 18.00% 409.65 03/27/00 16,132.16
20 430 430 5 256 Seriki,S 23,676.33 21.00% 640.52 02/07/01 23,676.33
20 430 430 5 258 Gutierrez,G 7,052.56 25.00% 318.51 10/01/00 7,052.56
20 430 430 5 261 Cobb,J 19,370.00 18.00% 491.87 07/13/00 19,370.00
20 430 430 5 262 Jones,C 19,000.00 18.00% 482.47 04/01/00 19,000.00
20 430 430 5 263 Burnett,K 16,613.88 18.00% 421.88 08/24/00 16,613.88
20 430 430 5 264 Jackson,P 16,238.85 18.00% 412.36 06/01/00 16,238.85
20 430 430 5 265 Solomon,D 17,171.04 18.00% 436.03 02/08/00 17,171.04
20 430 430 5 267 Lewis,M 23,580.00 18.00% 598.77 09/09/01 23,580.00
20 430 430 5 268 Barnes,E 10,657.76 18.00% 270.63 01/01/01 10,657.76
20 430 430 5 278 Brown,B 9,253.66 18.00% 253.11 06/14/99 9,253.66
39
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 430 430 5 279 Burt,J 6,068.58 21.00% 207.02 01/19/00 6,068.58
20 430 430 5 281 Clark,J 23,585.35 18.00% 598.91 09/15/00 23,585.35
20 430 430 5 282 Turrubiartes,J 7,518.75 24.50% 344.78 03/26/00 7,678.00
20 430 430 5 284 Revilla,R 20,031.46 18.00% 508.66 04/02/00 20,031.46
20 430 430 5 285 Roddy,G 12,339.03 18.00% 335.02 10/17/00 12,339.03
20 430 430 5 288 Sims,G 9,976.55 21.75% 345.56 02/05/00 10,099.44
20 430 430 5 289 Cardenas,R 15,105.58 18.00% 383.58 06/23/00 15,105.58
20 430 430 5 290 Rickman,D 14,313.70 18.00% 363.47 03/10/00 14,313.70
20 430 430 5 291 Mazate,J 18,406.45 18.00% 472.41 01/19/01 18,603.63
20 430 430 5 292 Davidson,D 7,212.29 21.00% 243.92 01/26/01 7,212.29
20 430 430 5 293 Merten,W 10,831.11 24.50% 435.23 10/12/00 11,019.63
20 430 430 5 294 Fields,E 9,413.68 18.00% 276.52 01/22/00 9,413.68
20 430 430 5 295 Brown,W 23,510.39 18.00% 597.00 02/17/00 23,510.39
20 430 430 5 296 Engelke,D 13,594.56 18.00% 369.11 08/26/00 13,594.56
20 430 430 5 297 Catena,J 12,314.50 18.00% 314.25 03/01/00 12,314.50
20 430 430 5 301 Sidney,G 15,202.25 18.00% 386.03 07/12/00 15,202.25
20 430 430 5 302 McGruder,C 8,515.83 21.50% 265.99 03/07/00 8,515.83
20 430 430 7 2 Poulan,T 14,710.99 18.00% 399.80 10/02/00 15,744.53
20 430 430 7 33 Pierce,A 22,800.92 18.00% 617.31 11/06/00 24,310.11
20 430 430 7 162 Stamps,E 21,657.30 18.00% 559.40 09/21/00 22,029.59
20 430 430 7 163 Clarkson,P 16,651.86 18.00% 429.39 06/03/00 16,929.40
20 430 430 7 205 Edwards,J 15,664.11 18.00% 399.83 06/15/00 15,745.58
20 430 430 7 206 Godsey,E 28,624.46 18.00% 741.92 08/19/00 29,217.28
20 430 430 7 235 Rhoades,L 16,913.85 18.00% 433.66 02/20/00 17,078.01
20 430 430 7 241 Templeton,J 20,436.11 17.99% 518.83 05/22/00 20,436.11
20 430 430 7 300 Williams,M 31,331.92 18.00% 795.62 09/21/00 31,331.92
20 430 430 8 10 Fields,R 7,434.08 21.75% 248.34 07/05/00 7,850.11
20 430 430 8 16 Page,C 8,416.74 18.00% 275.59 12/06/99 9,316.88
20 430 430 8 29 Moreland,L 13,582.71 21.50% 461.09 06/06/00 14,761.96
20 430 430 8 39 Clary,L 5,003.67 22.00% 210.18 07/15/00 5,503.40
20 430 430 8 44 Dill,J 7,370.89 25.00% 464.41 07/12/00 8,701.50
20 430 430 8 57 Carroll,R 16,092.35 18.00% 452.74 08/23/00 16,674.96
20 430 430 8 59 Franklin,J 14,959.47 18.00% 459.22 06/26/00 16,913.51
20 430 430 8 73 Aslup,C 5,619.42 25.00% 280.69 09/13/00 6,215.13
20 430 430 8 88 Attaway,G 11,756.49 21.75% 422.73 12/27/00 12,354.85
20 430 430 8 100 Prescott,B 6,758.87 21.75% 242.74 09/04/00 7,031.65
20 430 430 8 103 Carlo,R 10,447.36 18.00% 298.52 01/23/00 10,995.00
20 430 430 8 115 Rivon,F 6,563.29 22.00% 266.02 05/10/00 6,965.66
20 430 430 8 119 Wideman,B 12,343.38 18.00% 348.18 07/11/00 12,823.89
20 430 430 8 153 Tarver,J 8,362.74 24.50% 342.51 06/27/00 8,672.19
20 430 430 8 158 Teal,M 17,771.11 21.05% 486.70 07/21/00 17,970.72
20 430 430 8 180 Baulkman,T 6,249.31 25.00% 295.71 02/28/01 6,547.69
20 430 430 8 185 Owens,W 13,925.73 18.00% 386.18 10/27/00 14,223.41
20 430 430 8 193 Beals,E 14,108.91 18.00% 425.05 06/08/01 14,470.00
20 430 430 8 208 Brown,R 14,712.42 18.00% 402.05 04/30/00 14,807.77
20 430 430 8 216 Arborgast,J 17,524.44 18.00% 449.99 09/04/01 17,721.00
20 430 430 8 220 Marroquin,S 14,300.41 21.00% 389.56 02/28/01 14,400.00
20 430 430 8 227 Izquierdo,J 13,415.57 21.00% 460.82 11/01/00 13,625.54
20 430 430 8 271 Wyatt,M 16,886.33 18.00% 458.48 05/29/00 16,886.33
20 450 450 2 1 Lawrence,B 10,832.84 18.00% 299.46 09/10/00 11,792.84
20 460 460 1 314 White,B 10,781.83 16.99% 298.68 07/27/00 12,020.80
20 460 460 1 324 Benson,J 12,732.29 16.99% 345.64 03/04/00 13,814.29
20 460 460 1 330 McCray,C 11,182.34 16.99% 303.28 02/29/00 12,206.07
20 460 460 1 407 Woods,J 11,852.43 16.99% 312.18 09/14/01 12,564.27
20 460 460 1 456 Kerr,T 14,642.24 16.99% 379.63 09/20/00 15,278.86
20 460 460 1 507 Crusenberry,P 12,175.34 16.99% 311.69 01/19/00 12,544.04
20 460 460 1 549 Vincint,W 15,689.29 16.90% 397.84 01/26/00 16,042.73
20 460 460 2 292 Jones,C 14,420.09 16.99% 388.62 03/11/00 15,532.20
20 460 460 2 293 Dugger,C 10,994.79 16.99% 297.66 09/21/01 11,896.70
20 460 460 2 302 Smith,M 11,572.92 16.99% 318.67 07/24/01 12,825.50
20 460 460 2 303 Johnson,K 12,924.89 16.99% 350.18 07/14/01 13,995.74
20 460 460 2 317 Allen,K 6,948.64 16.99% 192.22 09/07/00 7,736.20
20 460 460 2 318 Morgan,D 12,244.16 16.99% 325.73 02/29/00 13,018.51
20 460 460 2 332 Gill,E 12,634.49 16.99% 341.60 03/14/00 13,652.92
20 460 460 2 343 Brown,J 13,551.39 16.99% 365.00 03/14/01 14,581.26
20 460 460 2 344 Wade,T 11,847.38 16.99% 310.60 09/18/00 12,414.04
40
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 460 460 2 363 Jarrell,Z 13,068.29 16.99% 351.10 03/12/01 14,032.42
20 460 460 2 380 Thomas,S 10,765.41 16.99% 286.21 03/12/01 11,444.31
20 460 460 2 390 Anderson,P 13,435.86 16.99% 348.32 02/09/00 13,921.30
20 460 460 2 419 Hammond,J 11,158.30 16.99% 288.32 04/27/00 11,523.40
20 460 460 2 421 Shelton,K 9,788.92 16.99% 251.75 02/05/00 10,061.70
20 460 460 2 423 Gonzales,D 15,161.41 16.99% 397.91 02/29/00 16,014.39
20 460 460 2 427 Nelson,M 12,395.43 16.99% 325.00 10/19/00 13,080.15
20 460 460 2 428 Jenkins,J 10,479.50 16.99% 274.42 01/15/01 10,967.90
20 460 460 2 429 Mcclinton,E 14,582.78 16.99% 375.06 12/26/00 14,990.11
20 460 460 2 435 Jackson,H 25,294.63 16.99% 649.00 09/15/00 25,950.74
20 460 460 2 437 Thomas,J 15,387.54 16.99% 398.00 03/17/00 15,914.36
20 460 460 2 467 Guzzo,D 11,327.72 16.99% 299.66 09/02/01 12,060.16
20 460 460 2 473 Harris,J 19,066.10 16.99% 490.70 08/23/00 19,740.00
20 460 460 2 482 Shelton,K 23,098.51 18.00% 609.76 08/21/00 23,836.56
20 460 460 2 486 Calvin,A 12,282.33 16.99% 314.87 09/25/00 12,672.55
20 460 460 2 493 Penn,M 17,830.80 18.00% 467.67 12/20/00 18,281.96
20 460 460 2 495 Bailey,D 20,457.92 16.99% 520.00 03/22/00 20,792.59
20 460 460 2 496 Henderson,T 13,490.20 16.99% 346.03 09/17/01 13,829.89
20 460 460 2 513 ANTHONY,I 11,680.26 16.99% 298.00 09/13/00 11,993.43
20 460 460 2 516 Marshall,C 18,895.63 16.99% 484.70 02/02/01 19,592.14
20 460 460 2 521 Tucker,H 14,399.25 16.99% 368.97 05/07/00 14,849.58
20 460 460 2 523 Lee,R 15,789.55 16.90% 406.17 10/03/00 16,378.63
20 460 460 2 525 Miller,A 14,441.39 16.99% 366.36 01/12/01 14,696.68
20 460 460 2 530 Boyd,R 13,501.60 16.90% 345.98 09/20/00 13,951.70
20 460 460 2 534 Hamilton,T 16,082.19 18.00% 420.00 11/08/00 16,540.10
20 460 460 2 537 Bailey,C 14,852.02 16.90% 376.57 10/03/00 15,185.27
20 460 460 2 545 Lee,C 16,516.71 16.99% 422.64 09/14/00 17,009.70
20 460 460 2 575 Davis,N 14,042.71 16.99% 350.78 04/05/00 14,117.50
20 460 460 3 305 Coles,D 13,417.64 16.99% 361.90 07/12/00 14,565.03
20 460 460 3 315 Thomas,E 12,768.97 17.00% 352.89 08/06/00 14,199.50
20 460 460 3 329 Hayes,D 12,719.82 16.99% 342.00 11/12/00 13,667.42
20 460 460 3 355 Pugh,C 13,507.06 16.99% 360.42 06/24/00 14,403.83
20 460 460 3 368 Harrell,A 18,152.00 16.99% 480.08 04/01/01 19,185.55
20 460 460 3 369 Jones,G 17,081.60 16.99% 459.50 03/12/00 18,373.38
20 460 460 3 425 Harris,V 9,974.88 16.99% 261.96 09/30/01 10,543.00
20 460 460 3 440 Lee,I 12,549.30 16.99% 324.91 07/13/00 12,985.73
20 460 460 3 446 Mccray,M 14,947.85 16.99% 384.68 09/28/00 15,374.76
20 460 460 3 448 Cox,W 17,243.14 16.99% 445.19 11/06/00 17,793.01
20 460 460 3 457 Harler,M 17,274.96 16.99% 442.70 11/01/00 17,693.38
20 460 460 3 461 Martin,O 27,685.45 16.99% 716.09 04/26/00 28,619.94
20 460 460 3 463 Baird,J 15,434.08 16.99% 399.56 04/16/00 15,969.50
20 460 460 3 464 Thorp,M 13,841.18 16.99% 354.52 08/08/99 14,169.14
20 460 460 3 468 Booker,C 11,463.40 16.99% 298.05 06/23/00 11,995.62
20 460 460 3 469 Hayes,A 14,464.12 16.99% 375.08 09/26/00 14,990.85
20 460 460 3 471 Walker,J 10,027.25 16.99% 266.00 06/19/00 10,705.63
20 460 460 3 478 Horme,R 13,928.02 16.99% 356.31 03/18/00 14,239.55
20 460 460 3 479 Slough,D 11,054.91 16.99% 287.04 06/18/00 11,552.29
20 460 460 3 501 Smith,K 22,466.33 16.99% 575.89 05/20/00 23,177.58
20 460 460 3 514 Rhoten,M 15,260.11 16.99% 389.39 10/23/00 15,671.50
20 460 460 3 522 Frye,D 17,234.26 16.99% 434.30 10/20/00 17,479.08
20 460 460 3 526 Bowen,L 19,364.98 16.99% 488.32 02/02/00 19,515.00
20 460 460 3 540 Cox,D 18,377.46 16.99% 466.44 12/07/00 18,772.34
20 460 460 3 542 Blackstock,F 12,602.62 16.99% 320.00 07/22/00 12,878.81
20 460 460 3 558 Reynolds,T 22,817.89 16.99% 572.81 01/28/00 23,057.98
20 460 460 3 574 Davis,C 14,608.34 16.99% 366.20 09/25/00 14,741.25
20 460 460 3 581 Thomasson,G 12,152.31 16.99% 305.84 03/14/01 12,309.18
20 460 460 3 583 Madojutimi,M 13,949.28 16.99% 349.79 03/28/01 13,980.21
20 460 460 3 585 Williams,R 15,593.88 16.99% 390.16 05/03/00 15,593.88
20 460 460 3 586 Parker,P 12,421.76 16.99% 313.24 12/30/99 12,519.39
20 460 460 3 590 Herbert,F 18,019.85 16.99% 452.03 01/25/00 18,192.43
20 460 460 4 320 Underwood,R 4,380.80 25.00% 207.24 09/21/01 5,158.75
20 460 460 4 401 Lawrence,K 7,007.48 22.00% 262.67 03/30/01 7,578.80
20 460 460 4 488 Christian,L 8,903.63 25.00% 374.78 03/27/00 9,426.29
20 460 460 4 543 Robonson,R 8,657.94 25.00% 320.35 03/24/00 8,911.44
20 460 460 4 553 Villaruel,A 12,604.96 25.00% 468.21 06/16/00 13,020.91
20 460 460 4 564 Aubrey,A 11,854.83 18.50% 306.86 07/12/00 11,955.66
41
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 460 460 4 619 Arvin,B 10,616.39 18.49% 291.03 03/02/00 10,616.39
20 460 460 5 288 Manning,M 5,234.67 25.00% 301.45 02/24/00 6,674.78
20 460 460 5 295 Branch,E 11,796.03 18.50% 357.61 02/19/00 12,942.88
20 460 460 5 297 Robinson,G 5,164.01 25.00% 304.80 02/13/00 6,725.84
20 460 460 5 299 Bryant,T 10,061.45 16.99% 277.66 06/09/01 11,174.99
20 460 460 5 300 Lowe,D 6,790.93 18.50% 209.68 01/12/00 7,593.50
20 460 460 5 304 Jones,A 13,981.22 16.99% 387.89 05/02/00 15,503.00
20 460 460 5 308 Catron,P 11,332.61 18.50% 312.33 08/30/00 12,075.88
20 460 460 5 310 Baylor,K 11,605.08 18.50% 394.28 02/06/00 13,302.84
20 460 460 5 311 Brown,G 10,906.41 16.99% 296.87 07/08/99 11,865.00
20 460 460 5 313 Chandler,S 14,185.89 18.50% 407.75 07/16/00 15,765.18
20 460 460 5 319 Ferrall,J 7,341.65 22.00% 336.93 04/18/00 8,743.44
20 460 460 5 331 Farley,S 9,592.50 18.50% 322.09 07/05/01 10,785.90
20 460 460 5 333 Franklin,G 8,074.67 18.50% 245.00 02/03/00 8,882.71
20 460 460 5 335 Hudson,S 3,969.98 28.00% 264.52 11/14/00 4,819.38
20 460 460 5 336 Slaughter,B 5,339.25 25.00% 251.59 05/18/00 6,263.57
20 460 460 5 338 ManualJR,S 14,009.13 18.50% 426.72 05/24/01 15,563.17
20 460 460 5 340 Oliver,M 14,443.12 18.50% 399.00 05/07/00 15,420.74
20 460 460 5 346 Haley,P 14,611.99 16.99% 402.73 04/19/00 16,208.28
20 460 460 5 347 Reed,A 7,212.46 25.00% 337.87 05/03/00 8,492.04
20 460 460 5 348 Norton,R 6,092.68 22.00% 236.79 02/29/00 6,828.20
20 460 460 5 349 Harris,G 8,955.34 22.00% 340.18 03/21/00 9,898.03
20 460 460 5 351 Mix,D 5,472.77 28.00% 303.48 04/14/00 6,452.00
20 460 460 5 353 Wallace,B 10,064.60 21.99% 398.00 04/09/00 11,589.00
20 460 460 5 356 Lee,R 18,678.23 18.50% 550.00 05/30/00 19,908.27
20 460 460 5 357 Turner,C 10,441.23 16.99% 284.47 09/17/00 11,449.10
20 460 460 5 360 Baxter,P 13,026.29 16.99% 350.00 03/04/00 14,086.30
20 460 460 5 361 Degrenier,H 13,415.09 18.50% 402.48 05/24/00 14,575.80
20 460 460 5 362 Dionne,R 18,211.05 16.99% 491.01 01/18/00 19,622.50
20 460 460 5 364 Efferson,S 8,632.10 18.50% 277.65 05/20/00 9,302.70
20 460 460 5 365 Randall,D 6,029.25 22.00% 233.27 02/27/00 6,734.59
20 460 460 5 366 Enz,R 11,348.09 18.50% 338.91 01/24/00 12,267.29
20 460 460 5 367 Sorgee,M 3,021.56 27.99% 227.46 10/30/99 4,141.10
20 460 460 5 373 Gravley,R 9,821.64 18.50% 290.35 09/23/99 10,509.66
20 460 460 5 374 Brown,R 13,064.22 18.50% 386.07 12/30/99 13,981.64
20 460 460 5 375 Claiborne,V 12,913.94 22.00% 427.71 02/26/00 13,471.94
20 460 460 5 376 Boyd,C 11,171.88 18.50% 362.14 09/16/00 12,219.24
20 460 460 5 377 Scott,J 8,883.19 24.99% 399.72 10/09/00 9,961.33
20 460 460 5 379 Colbert,P 12,980.03 18.49% 384.02 02/16/00 13,904.70
20 460 460 5 381 Suttles,D 7,682.34 18.50% 250.00 07/24/01 8,371.94
20 460 460 5 383 Jones,C 8,653.25 18.50% 280.98 07/05/01 9,414.00
20 460 460 5 384 Loftin,E 7,580.29 18.50% 242.30 10/06/00 8,105.90
20 460 460 5 385 Best,W 12,860.97 18.50% 351.85 07/09/00 13,708.90
20 460 460 5 386 Bartee,N 12,126.92 16.99% 321.02 02/03/00 12,830.20
20 460 460 5 387 MyersJR,R 12,858.61 18.50% 347.46 01/30/01 13,538.00
20 460 460 5 388 Rappold,J 7,739.27 18.50% 251.19 06/21/00 8,411.75
20 460 460 5 389 Hardy,E 13,473.53 18.50% 366.22 05/11/00 14,168.14
20 460 460 5 392 Mason,T 7,046.55 18.50% 226.77 01/13/00 7,594.13
20 460 460 5 394 Garland,L 11,821.76 18.50% 350.06 01/27/00 12,677.53
20 460 460 5 396 Wise,D 9,640.52 18.49% 311.99 06/01/00 10,450.90
20 460 460 5 397 Harris,A 9,319.52 25.00% 368.44 05/11/00 10,151.20
20 460 460 5 398 Napier,T 19,224.35 18.50% 572.58 07/16/01 20,735.80
20 460 460 5 399 White,A 12,552.28 18.49% 362.76 12/29/00 13,233.17
20 460 460 5 400 Elhert,S 11,412.61 18.50% 329.09 05/31/00 11,912.13
20 460 460 5 402 Williams,B 19,681.33 18.50% 588.97 01/09/01 21,394.10
20 460 460 5 403 Sloan,L 5,287.16 25.00% 236.39 07/23/01 5,909.87
20 460 460 5 418 Marshall,R 11,111.00 22.00% 379.66 10/28/00 11,942.70
20 460 460 5 420 Allen,H 18,426.95 18.50% 490.80 06/30/00 19,122.61
20 460 460 5 424 Fleming,E 8,383.48 18.50% 244.18 07/09/00 8,905.70
20 460 460 5 426 Waiters,L 12,929.60 18.50% 349.24 07/13/00 13,607.36
20 460 460 5 430 ParkerJones,M 14,160.40 18.50% 380.14 03/04/00 14,811.04
20 460 460 5 432 Wooten,D 19,526.11 16.99% 509.67 07/25/00 20,509.85
20 460 460 5 433 Green,E 9,752.32 21.99% 327.87 07/14/01 10,365.64
20 460 460 5 434 Washington,A 11,796.46 22.00% 391.41 03/12/01 12,319.44
20 460 460 5 436 Mallory,D 7,432.50 18.50% 237.32 07/10/00 7,951.30
20 460 460 5 439 Nolf,D 11,561.94 18.49% 308.76 02/04/00 11,960.94
42
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 460 460 5 441 Robinson,D 9,511.33 22.00% 349.00 11/09/00 10,075.71
20 460 460 5 443 Jones,M 8,594.31 18.50% 269.99 11/26/00 9,045.79
20 460 460 5 444 Johnson,T 12,560.30 16.99% 329.00 09/16/00 13,241.13
20 460 460 5 447 Seigler,D 9,995.00 22.00% 364.69 11/04/00 10,528.82
20 460 460 5 449 Beer,T 11,210.08 18.50% 331.04 09/10/00 11,988.74
20 460 460 5 454 Byrd,L 16,194.75 18.50% 462.41 06/12/00 16,746.10
20 460 460 5 458 Davis,C 5,680.68 25.00% 283.04 09/07/00 6,267.20
20 460 460 5 459 Francos,A 5,819.40 22.00% 209.31 11/29/00 6,043.72
20 460 460 5 460 Jones,F 5,735.49 28.00% 248.15 07/17/00 5,931.02
20 460 460 5 462 Warren,D 11,724.74 18.49% 331.22 07/03/00 12,070.50
20 460 460 5 465 Bowser,T 14,306.57 18.50% 382.99 06/06/00 14,922.05
20 460 460 5 466 Barboza,F 10,118.49 22.00% 333.71 12/29/00 10,585.70
20 460 460 5 472 Arnold,S 11,044.19 18.50% 310.95 08/23/00 11,255.45
20 460 460 5 474 Radden,S 15,526.21 18.50% 414.56 08/20/00 16,054.49
20 460 460 5 477 Wilkins,G 9,345.25 18.50% 275.68 07/19/00 9,978.66
20 460 460 5 480 Hatcher,P 4,693.19 25.00% 225.92 08/21/00 5,002.49
20 460 460 5 484 Hair,F 7,398.45 22.00% 246.12 03/10/01 7,812.01
20 460 460 5 485 Rogers,L 10,350.47 22.00% 356.04 08/30/00 11,254.10
20 460 460 5 487 Gayles,L 7,497.26 22.00% 267.29 12/20/00 7,781.88
20 460 460 5 489 Elihu,W 10,741.15 18.50% 302.36 02/23/01 11,027.59
20 460 460 5 490 Rodwell,V 12,257.11 18.00% 341.31 12/22/00 12,478.55
20 460 460 5 491 William,T 6,613.18 18.50% 226.15 09/17/00 6,954.02
20 460 460 5 492 Harik,G 16,013.73 18.49% 421.16 09/17/00 16,412.73
20 460 460 5 494 Jackson,D 11,889.41 18.49% 334.47 10/26/00 12,201.04
20 460 460 5 497 Ragsdale,R 8,048.42 16.99% 206.74 09/05/00 8,320.60
20 460 460 5 498 Lockner,R 14,817.74 18.49% 390.13 03/17/01 15,203.44
20 460 460 5 499 Gaines,C 11,585.37 18.50% 396.45 09/20/00 12,190.90
20 460 460 5 500 Natarajan,A 18,796.07 16.99% 482.98 07/19/00 19,438.28
20 460 460 5 503 Harrison,M 13,451.50 18.49% 354.74 07/30/99 13,834.07
20 460 460 5 504 Harvey,D 15,374.34 18.50% 406.71 07/12/00 15,846.44
20 460 460 5 505 Millie,L 10,345.15 18.50% 294.00 02/04/01 10,722.82
20 460 460 5 508 English,E 6,724.44 22.00% 219.00 10/09/00 6,951.22
20 460 460 5 509 Cilumbrello,J 5,896.69 25.00% 286.98 08/29/00 6,354.34
20 460 460 5 510 Burnette,C 14,694.87 18.50% 388.44 09/19/01 15,134.66
20 460 460 5 511 Smith,A 6,635.08 22.00% 239.50 09/19/00 6,972.87
20 460 460 5 512 Howell,K 9,809.47 18.50% 272.59 05/23/00 9,941.88
20 460 460 5 515 Deboer,D 5,433.34 25.00% 225.67 09/14/01 5,675.88
20 460 460 5 517 Ward,M 6,409.75 25.00% 261.86 09/15/00 6,586.12
20 460 460 5 518 Ross,A 11,951.38 18.50% 312.09 03/13/01 12,068.20
20 460 460 5 519 Jefferson,T 11,514.21 18.50% 326.05 03/03/01 11,891.87
20 460 460 5 527 Simmons,B 12,017.95 25.00% 374.50 02/06/00 12,759.44
20 460 460 5 529 Johnson,E 10,368.36 18.50% 294.28 03/30/00 10,732.88
20 460 460 5 531 Ingram,H 14,888.48 18.50% 388.78 02/24/00 15,041.14
20 460 460 5 532 Strange,L 12,360.01 22.00% 399.57 09/13/00 12,682.36
20 460 460 5 535 Schill,F 9,982.13 18.49% 265.69 08/10/00 10,356.44
20 460 460 5 536 Hess,H 7,779.99 25.00% 293.64 09/19/00 8,166.18
20 460 460 5 538 Messer,J 12,154.76 22.00% 397.39 06/08/00 12,613.34
20 460 460 5 539 Jones,I 5,514.30 25.00% 203.20 09/18/00 5,652.60
20 460 460 5 541 Ferris,A 10,724.60 25.00% 392.84 09/15/00 10,927.94
20 460 460 5 544 Hensley,R 6,966.81 25.00% 257.11 09/21/01 7,150.30
20 460 460 5 546 Love,V 15,805.88 16.99% 399.00 04/01/01 16,058.23
20 460 460 5 547 Helms,L 13,413.13 25.00% 397.66 09/15/00 13,552.10
20 460 460 5 548 Moore,K 6,334.32 25.00% 260.66 06/11/00 6,557.70
20 460 460 5 550 Epps,E 8,696.68 18.50% 265.35 09/19/00 8,953.66
20 460 460 5 551 Jackson,E 6,796.00 22.00% 240.00 02/01/01 6,987.31
20 460 460 5 552 Johnson,H 15,886.63 16.99% 399.42 01/30/01 16,075.14
20 460 460 5 554 Murphy,W 6,714.62 25.00% 266.97 02/05/00 6,714.62
20 460 460 5 555 Armstrong,K 24,050.69 16.99% 606.94 07/28/00 24,431.74
20 460 460 5 556 Howard,M 21,788.01 16.90% 549.62 07/30/01 22,163.33
20 460 460 5 557 Milan,R 8,324.36 25.00% 393.32 01/11/01 8,708.98
20 460 460 5 560 Bortters,J 20,645.15 22.00% 575.85 07/29/01 20,660.62
20 460 460 5 561 Murrell,H 11,765.79 18.50% 308.00 06/23/01 12,000.24
20 460 460 5 562 Morgan,P 18,858.05 18.50% 489.13 01/16/01 19,057.41
20 460 460 5 563 Caran,N 11,302.78 18.50% 313.44 07/19/00 11,431.58
20 460 460 5 565 Wyatt,E 7,677.10 25.00% 279.60 02/10/00 7,775.63
20 460 460 5 566 Johnson,C 15,417.68 18.50% 397.05 02/04/00 15,469.74
43
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20 460 460 5 568 Bishop,E 11,321.00 18.50% 314.08 09/08/00 11,455.10
20 460 460 5 569 Bickner,A 9,240.00 22.00% 298.34 07/19/00 9,485.15
20 460 460 5 570 Burton,C 6,502.09 22.00% 251.86 02/12/01 6,595.09
20 460 460 5 572 Kirby,R 12,622.75 18.50% 348.11 11/24/99 12,696.05
20 460 460 5 573 Columbo,B 16,620.50 16.99% 416.45 04/18/00 16,763.84
20 460 460 5 576 Wright,E 14,785.39 18.50% 409.56 08/08/00 14,937.54
20 460 460 5 577 Richards,B 16,068.15 18.50% 414.85 05/28/00 16,163.50
20 460 460 5 578 Woods,P 7,177.13 25.00% 289.03 08/25/00 7,315.84
20 460 460 5 579 Ames,M 13,488.65 18.50% 349.68 08/14/00 13,624.27
20 460 460 5 580 Willialmson,A 8,247.74 18.50% 247.51 02/15/01 8,351.34
20 460 460 5 582 Martin,D 8,850.05 28.00% 422.53 08/04/00 9,043.64
20 460 460 5 584 Carter,F 11,775.24 16.99% 294.28 07/16/00 11,843.50
20 460 460 5 587 Yancey,L 8,311.74 18.50% 249.04 07/29/00 8,403.20
20 460 460 5 588 Floyd,N 12,676.39 18.50% 325.35 08/26/01 12,676.39
20 460 460 5 589 Dulik,B 16,602.11 18.50% 461.78 02/25/01 16,841.95
20 460 460 5 591 Mullers,A 10,861.93 18.50% 302.28 02/28/01 11,024.52
20 460 460 5 592 McHugh,J 23,977.60 16.99% 595.78 01/30/00 23,977.60
20 460 460 5 593 Talley,D 16,649.58 16.99% 413.70 09/04/00 16,649.58
20 460 460 5 596 Kelly,L 12,893.57 18.49% 332.48 09/03/00 12,956.94
20 460 460 5 597 Carlisle,K 8,141.59 25.00% 323.70 02/15/01 8,141.59
20 460 460 5 598 Young,W 15,080.77 18.50% 416.90 02/12/01 15,204.83
20 460 460 5 599 Newton,T 16,276.72 18.50% 417.76 09/30/00 16,276.72
20 460 460 5 600 Johnson,V 10,357.25 18.50% 283.98 02/24/00 10,357.25
20 460 460 5 601 Braswell,V 15,796.51 18.50% 433.12 03/15/00 15,796.51
20 460 460 5 602 Merritt,L 17,446.50 22.00% 486.27 08/15/01 17,446.50
20 460 460 5 604 Scott,V 15,521.97 16.99% 385.67 06/25/00 15,521.97
20 460 460 5 605 Pryor,C 12,041.84 18.50% 356.88 08/18/00 12,041.84
20 460 460 5 606 Hataway,C 18,602.10 16.99% 466.42 07/26/99 18,771.44
20 460 460 5 607 Brice,A 14,078.72 22.00% 388.84 06/12/00 14,078.72
20 460 460 5 608 Hence,R 15,397.07 18.99% 399.32 03/09/01 15,397.07
20 460 460 5 609 Littlejohn,Y 7,756.39 25.00% 281.77 08/16/01 7,756.39
20 460 460 5 610 Williams,M 14,814.60 18.50% 406.20 06/26/00 14,814.60
20 460 460 5 611 Lane,C 20,266.82 16.99% 473.24 01/16/01 20,266.82 B
20 460 460 5 612 Flood,M 13,718.58 18.50% 352.10 10/25/99 13,718.58
20 460 460 5 613 Steed,C 10,007.65 18.50% 274.40 07/09/00 10,007.65
20 460 460 5 614 Hoal,L 13,449.43 18.50% 345.20 11/27/99 13,449.43
20 460 460 5 615 Younger,W 12,464.35 18.50% 341.73 10/10/00 12,464.35
20 460 460 5 616 Stelter,E 3,474.42 28.00% 164.20 03/05/01 3,474.42
20 460 460 5 617 Hawkins,J 7,796.25 18.50% 200.10 09/15/01 7,796.25
20 460 460 5 618 Pleasants,H 13,110.38 18.50% 339.09 02/06/01 13,110.38
20 460 460 5 620 Crane,R 16,060.70 18.49% 412.13 06/26/00 16,060.70
20 460 460 5 621 Jones,S 6,973.81 25.00% 277.28 04/06/01 6,973.81
20 460 460 5 623 Bynum,C 21,735.65 18.49% 565.38 02/23/00 22,033.16
20 460 460 5 624 Jackson,G 12,587.86 18.99% 329.05 02/24/00 12,587.86
20 460 460 5 625 Phillips,W 18,549.93 18.50% 476.11 03/13/01 18,549.93
20 460 460 5 626 Stanley,B 11,951.80 18.50% 327.70 03/10/01 11,951.80
20 460 460 5 627 Hemp,T 8,989.60 18.49% 230.68 12/14/00 8,989.60
20 460 460 7 84 Davenprt,W 13,440.96 17.00% 392.25 06/01/01 15,673.83
20 460 460 7 267 Bronick,V 13,881.69 16.99% 389.28 02/26/01 15,667.16
20 460 460 7 307 Ramsey,R 14,976.29 16.99% 500.48 01/05/01 20,000.85
20 460 460 7 453 Gregory,K 16,235.99 16.99% 421.88 02/23/01 16,979.26
20 460 460 7 524 Washington,R 18,521.91 18.00% 473.81 09/13/01 18,521.91
20 460 460 7 533 Miller,A 14,374.67 16.99% 360.93 02/06/01 14,526.00
20 460 460 8 306 Solomon,B 13,358.89 16.99% 367.84 03/07/01 14,804.34
20 460 460 8 354 Franklin,B 16,129.44 18.50% 451.52 02/14/00 17,592.17
20 460 460 8 371 Bates,A 13,334.51 18.50% 438.26 04/11/00 14,787.85
20 460 460 8 393 Callis,F 11,223.29 18.49% 329.88 04/08/01 11,950.34
20 460 460 8 410 Taylor,H 8,980.70 18.50% 287.23 09/09/00 9,691.67
20 460 460 8 451 Hardenburg,J 11,511.59 18.49% 331.62 08/09/00 12,037.15
20 460 460 8 475 AdamsJR,L 7,776.79 25.00% 335.86 09/24/00 8,413.40
20 460 460 8 502 Spaulding,T 9,455.05 25.00% 348.88 07/08/00 9,702.34
20 460 460 8 594 Carrington,W 7,127.96 22.00% 248.57 09/29/00 7,236.95
20 460 460 8 595 Taylor,A 10,008.24 25.00% 405.72 04/14/01 10,204.32
20 460 460 8 603 Ferrell,R 12,274.37 22.00% 339.00 05/07/00 12,274.37
35 90 90 1 75 Ithamar,C 14,010.84 17.00% 327.78 04/01/01 14,258.95 B
35 90 90 1 228 Cubillan,B 15,293.58 17.00% 382.77 03/28/01 15,293.58
44
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 90 90 2 35 Marteliz,A 15,569.82 17.00% 398.10 06/28/00 16,018.80
35 90 90 2 37 Atiyat,L 19,492.32 17.00% 500.00 09/25/00 20,120.78
35 90 90 2 43 Alonso,E 14,247.44 17.00% 364.80 04/05/01 14,678.36
35 90 90 2 64 Bills,B 17,255.82 17.00% 440.77 04/02/01 17,735.23
35 90 90 2 78 Eaton,M 14,978.36 17.27% 385.20 10/10/00 15,409.24
35 90 90 2 88 Garcia,H 17,852.25 17.00% 418.50 10/18/01 18,135.98 B
35 90 90 2 94 Kinsler,P 15,572.40 17.00% 389.76 02/22/00 15,572.40
35 90 90 2 124 Barile,D 14,386.48 17.00% 370.46 02/14/00 14,906.68
35 90 90 2 128 Hernandez,D 13,577.77 17.07% 341.39 10/08/00 13,620.39
35 90 90 2 137 Buehrer,E 13,272.01 17.07% 333.90 04/25/00 13,319.38
35 90 90 2 150 Marshall,I 18,361.42 17.06% 459.98 01/31/01 18,484.48
35 90 90 2 157 Buehler,C 12,909.99 17.00% 324.22 04/22/00 13,045.85
35 90 90 2 190 Garcia,C 12,829.84 17.00% 323.00 10/07/00 12,829.84
35 90 90 2 194 Sanders,C 14,701.93 17.00% 370.62 02/14/00 14,912.80
35 90 90 2 205 Wright,R 12,191.78 17.27% 304.79 10/06/00 12,191.78
35 90 90 2 207 Linder,P 13,845.49 17.07% 347.03 09/18/00 13,845.49
35 90 90 2 211 Toussaint,B 12,825.19 17.27% 320.60 04/11/01 12,825.19
35 90 90 2 215 Brown,F 14,990.63 17.07% 375.80 04/02/00 14,990.63
35 90 90 2 219 Dukharn,S 19,190.19 17.07% 481.00 03/18/00 19,190.19
35 90 90 2 246 Harris,F 19,891.76 17.07% 498.63 02/06/00 19,891.76
35 90 90 3 16 Delauter,L 16,424.65 17.00% 412.10 11/13/00 16,581.89
35 90 90 3 27 Suarez,B 15,200.51 17.00% 390.69 06/20/00 15,720.54
35 90 90 3 46 Fisher,M 13,554.52 17.00% 342.14 06/06/00 13,777.53
35 90 90 3 76 Ismail,S 16,129.30 17.00% 409.85 03/27/01 16,376.93
35 90 90 3 105 Morales,A 14,692.01 17.00% 372.94 04/12/01 15,006.48
35 90 90 3 188 Emory,M 13,269.93 17.00% 332.64 10/17/00 13,269.93
35 90 90 3 223 Smith,C 29,990.76 17.00% 749.92 10/08/00 29,990.76
35 90 90 4 57 Whitehead,J 16,106.29 19.00% 474.07 06/15/00 16,989.28
35 90 90 4 62 Davidson,B 16,188.26 22.00% 450.00 08/06/00 16,294.52
35 90 90 4 166 Puterbaugh,B 8,611.92 25.00% 353.07 04/16/00 8,880.14
35 90 90 4 168 Drummond,N 10,814.87 18.50% 320.52 09/19/00 10,814.87
35 90 90 4 198 Morales,M 11,682.86 17.00% 290.35 04/11/01 11,682.86
35 90 90 4 212 Torres,M 9,177.34 25.00% 330.00 09/30/00 9,177.34
35 90 90 4 217 Diaz,M 13,937.87 17.00% 348.85 07/16/01 13,937.87
35 90 90 4 242 Reeves,M 6,904.56 25.00% 248.27 04/01/01 6,904.56
35 90 90 5 4 Johns,J 15,211.15 18.50% 397.35 09/19/00 15,481.78
35 90 90 5 6 Eugene,B 11,431.97 22.00% 380.63 05/14/00 12,081.18
35 90 90 5 7 Morton,J 10,193.91 18.50% 289.29 09/26/01 10,470.52
35 90 90 5 8 Vann,R 12,136.22 18.50% 345.11 07/29/00 12,490.70
35 90 90 5 9 Norman,C 5,893.51 25.00% 283.78 06/18/01 6,283.45
35 90 90 5 10 Brinkley,L 10,752.37 18.50% 305.09 03/25/01 11,127.33
35 90 90 5 15 Borges,H 8,228.97 18.50% 254.14 06/12/00 8,510.43
35 90 90 5 17 Davis,J 5,660.08 25.00% 337.45 09/18/00 6,322.67
35 90 90 5 19 Tauber,T 4,691.03 25.00% 221.86 06/05/00 4,862.75
35 90 90 5 20 Gonzalez,A 17,070.62 17.00% 440.64 09/13/00 17,605.79
35 90 90 5 21 Bonham,D 5,712.18 25.00% 239.40 11/06/00 6,021.35
35 90 90 5 22 Baker,R 15,128.55 18.50% 425.00 09/26/00 15,500.73
35 90 90 5 23 Esquea,N 15,037.68 18.80% 399.91 09/19/00 15,363.42
35 90 90 5 25 Cardoso,P 5,109.09 25.00% 249.43 10/27/99 5,523.02
35 90 90 5 26 Naranjo,J 6,248.00 25.00% 259.46 09/30/00 6,525.80
35 90 90 5 29 Kulp,M 16,578.04 17.00% 412.00 05/06/00 16,578.04
35 90 90 5 30 Howard,S 11,653.38 18.50% 349.98 03/18/00 11,808.99
35 90 90 5 32 Raines,J 11,019.94 18.50% 335.71 04/01/01 11,242.08
35 90 90 5 33 Alderman,S 30,157.46 17.00% 750.00 05/24/01 30,181.47
35 90 90 5 34 Sherman,R 9,469.33 25.00% 356.35 05/13/00 9,843.65
35 90 90 5 36 Canarr,C 13,231.97 18.50% 349.00 10/01/00 13,597.85
35 90 90 5 38 Julmiste,A 8,402.45 22.00% 303.29 06/07/00 8,830.31
35 90 90 5 41 Ramirez,E 6,660.65 25.00% 274.85 02/09/01 6,841.94
35 90 90 5 42 Velasquez,D 10,481.64 18.50% 300.98 01/27/00 10,977.57
35 90 90 5 44 Wilson,K 15,213.40 19.00% 399.68 10/18/00 15,286.60
35 90 90 5 45 Jones,R 13,168.36 18.50% 371.74 04/08/01 13,557.90
35 90 90 5 47 Irizarry,M 8,564.63 25.30% 318.87 09/30/00 8,742.80
35 90 90 5 49 Steese,T 7,318.77 28.00% 450.00 10/03/00 8,198.46
35 90 90 5 51 Bailey,C 7,202.45 18.50% 223.54 04/29/00 7,485.84
35 90 90 5 52 Baldwin,D 19,346.55 18.50% 539.39 06/26/00 19,642.19
35 90 90 5 54 Augustin,R 17,748.12 17.00% 448.65 09/20/00 17,927.35
45
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 90 90 5 55 Brown,D 6,497.57 25.00% 274.99 09/21/00 6,916.20
35 90 90 5 56 Garcia,M 10,035.85 25.00% 375.00 10/29/00 10,322.80
35 90 90 5 58 Myles,A 12,083.09 18.80% 318.06 10/15/00 12,216.34
35 90 90 5 59 Kerr,D 12,879.42 18.50% 361.28 10/03/00 13,176.60
35 90 90 5 61 Gonazlez,A 14,923.46 18.50% 395.14 05/22/00 15,395.16
35 90 90 5 63 Valdez,F 7,713.97 25.00% 266.01 06/26/00 8,022.83
35 90 90 5 65 Hernandez,L 13,675.39 18.00% 379.36 04/18/01 13,835.98
35 90 90 5 68 Williams,D 9,564.02 25.00% 392.95 08/27/00 9,781.30
35 90 90 5 69 Maldonado,D 14,870.53 18.50% 390.50 07/24/00 15,214.55
35 90 90 5 70 Andrade,I 10,995.35 18.50% 305.11 02/12/00 11,127.81
35 90 90 5 73 Cinque,G 7,481.04 22.00% 264.70 12/25/00 7,706.94
35 90 90 5 74 Kain,E 11,465.45 22.00% 425.00 11/17/99 12,373.40
35 90 90 5 79 Bailey,S 6,743.71 25.00% 248.37 09/11/00 6,907.79
35 90 90 5 80 Corlee,J 18,804.95 18.50% 490.95 05/28/00 19,069.71
35 90 90 5 81 Lantigua,S 11,339.50 22.00% 368.25 04/30/00 11,688.52
35 90 90 5 82 Smith,G 8,483.05 22.00% 300.24 01/07/00 8,744.16
35 90 90 5 83 Karsaliakos,M 7,091.59 28.00% 412.83 11/27/99 7,521.34
35 90 90 5 84 Safran,C 10,884.11 18.99% 308.30 10/03/99 11,136.15
35 90 90 5 85 Feliciano,C 10,634.46 18.50% 323.03 03/28/00 10,832.85
35 90 90 5 86 Betancourt,M 14,960.22 22.00% 413.39 08/05/01 14,967.64
35 90 90 5 91 Erickson,R 10,818.79 18.50% 282.75 01/13/00 10,932.03
35 90 90 5 92 Butler,D 13,022.73 17.00% 325.94 04/30/00 13,022.73
35 90 90 5 93 Brown,W 11,666.09 18.50% 350.00 10/08/00 11,719.10
35 90 90 5 95 Moss,A 13,490.07 25.00% 402.21 09/23/00 13,703.19
35 90 90 5 96 Collins,Y 9,402.73 19.18% 289.88 03/07/00 9,664.34
35 90 90 5 97 Demito,P 6,837.58 18.50% 204.35 03/20/01 6,895.15
35 90 90 5 98 Bell,C 13,086.43 18.50% 374.51 07/24/98 13,554.76
35 90 90 5 99 Williams,W 14,272.89 17.00% 358.44 07/26/99 14,423.09
35 90 90 5 102 Roberts,E 13,236.22 18.50% 342.13 07/13/00 13,236.22
35 90 90 5 103 Suarez,J 13,617.94 18.80% 368.61 06/28/00 14,159.43
35 90 90 5 104 Parmelee,C 5,239.36 25.00% 250.00 04/10/00 5,535.67
35 90 90 5 106 Kizer,B 12,914.39 18.99% 361.30 12/25/99 13,051.61
35 90 90 5 107 Walker,J 12,674.83 18.50% 348.79 05/24/00 12,720.80
35 90 90 5 108 Smith,E 13,917.48 18.50% 364.91 11/30/99 14,217.39
35 90 90 5 109 Fredrick,K 9,484.95 18.50% 284.93 12/30/99 9,613.95
35 90 90 5 110 Tanner,S 6,512.83 25.00% 300.00 05/08/00 6,574.18
35 90 90 5 111 Angold,W 21,005.35 18.50% 543.61 12/20/99 21,180.09
35 90 90 5 112 Hibbard,D 13,927.75 17.00% 370.96 09/30/01 13,935.25
35 90 90 5 113 Montengro,C 10,016.07 18.80% 267.06 12/05/99 10,338.13
35 90 90 5 114 Ransom,J 15,163.16 18.50% 391.68 11/02/99 15,260.92
35 90 90 5 115 Aymond,L 8,790.78 18.50% 263.73 01/01/00 8,830.72
35 90 90 5 116 Lee,T 11,373.32 18.80% 297.64 05/14/00 11,522.59
35 90 90 5 117 Miller,G 13,173.23 18.50% 363.98 11/01/99 13,274.81
35 90 90 5 118 Johnson,J 10,350.97 18.50% 310.94 06/20/00 10,408.68
35 90 90 5 121 Helton,H 17,292.05 18.17% 449.39 11/17/99 17,397.69
35 90 90 5 122 Cales,P 11,852.12 18.50% 305.75 06/25/00 11,852.12
35 90 90 5 123 Laporte,G 8,161.48 25.00% 331.32 12/10/99 8,332.99
35 90 90 5 126 Durling,M 10,514.11 22.00% 334.29 06/01/00 10,514.11
35 90 90 5 127 James,G 10,528.70 18.50% 273.37 01/28/01 10,650.92
35 90 90 5 130 Gomez,P 7,239.68 25.00% 290.85 12/07/99 7,239.68
35 90 90 5 131 Kucinic,M 5,519.60 25.00% 221.74 04/09/00 5,519.60
35 90 90 5 132 Villalobos,V 12,563.43 18.50% 349.09 09/14/99 12,731.84
35 90 90 5 134 Gordon,W 15,048.12 17.00% 376.10 12/18/99 15,135.20
35 90 90 5 135 Hill,J 14,492.74 18.99% 405.66 02/28/01 14,654.43
35 90 90 5 136 Tucker,F 11,681.10 25.00% 469.27 09/10/00 11,681.10
35 90 90 5 138 Trascritti,M 15,814.51 18.50% 410.39 10/11/00 15,989.88
35 90 90 5 139 Thornton,A 9,743.72 18.50% 269.91 08/30/00 9,843.99
35 90 90 5 140 Flanagan,L 12,311.91 18.50% 341.74 04/11/00 12,464.13
35 90 90 5 141 Rowe,T 8,038.01 25.00% 324.25 02/26/01 8,155.58
35 90 90 5 143 Wells,K 11,945.55 18.99% 336.13 03/16/00 12,142.70
35 90 90 5 144 Frazier,J 6,430.65 22.55% 225.44 11/24/98 6,448.92
35 90 90 5 146 Capen,C 10,937.60 18.50% 302.67 11/09/00 11,038.85
35 90 90 5 147 Bustamente,G 5,067.90 29.48% 264.18 10/04/99 5,561.84
35 90 90 5 148 Silcox,J 12,300.64 18.50% 344.57 08/21/00 12,477.52
35 90 90 5 151 Paquette,H 11,157.51 18.50% 309.55 07/08/99 11,290.12
35 90 90 5 152 Gill,D 10,535.65 18.50% 291.09 03/30/01 10,535.65
46
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 90 90 5 153 DeVust,A 12,424.51 22.00% 395.81 03/06/00 12,562.87
35 90 90 5 154 Jones,K 13,491.68 18.58% 349.55 08/19/00 13,491.68
35 90 90 5 155 Preston,N 13,181.31 18.50% 394.95 08/01/00 13,326.40
35 90 90 5 156 Reed,R 12,039.41 18.50% 356.81 12/04/99 12,039.41
35 90 90 5 158 Alarcon,S 14,644.47 18.50% 401.53 10/20/99 14,644.47
35 90 90 5 159 Mcgriff,A 18,897.38 21.79% 523.76 09/12/00 19,045.93
35 90 90 5 160 Jackson,J 3,714.80 25.00% 171.76 03/22/00 3,803.21
35 90 90 5 163 Daniels,M 7,094.11 22.00% 227.52 04/01/00 7,221.52
35 90 90 5 164 Theramene,O 6,251.33 25.00% 287.43 01/15/00 6,364.40
35 90 90 5 165 Archuleta,J 15,239.20 25.00% 557.33 01/23/00 15,499.29
35 90 90 5 167 Sappington,P 8,689.60 21.00% 270.33 01/28/00 8,689.60
35 90 90 5 169 Mellor,K 11,235.65 17.00% 282.44 01/20/00 11,364.60
35 90 90 5 170 Mathis,J 9,490.85 18.50% 264.25 12/27/99 9,637.87
35 90 90 5 171 Young,R 11,897.31 18.50% 328.72 03/26/00 11,989.05
35 90 90 5 172 Phillips,G 12,150.33 19.00% 339.80 11/22/99 12,272.92
35 90 90 5 173 Hayward,M 12,718.00 17.00% 343.40 11/29/99 12,899.79
35 90 90 5 174 Rodriguez,A 18,777.01 17.00% 466.88 09/09/00 18,777.01
35 90 90 5 176 Peeples,J 6,881.26 25.20% 252.58 09/28/00 6,881.26
35 90 90 5 177 Ralston,C 9,422.29 25.00% 342.32 12/25/99 9,422.29
35 90 90 5 178 Kinter,D 13,262.22 18.50% 367.94 08/09/99 13,419.32
35 90 90 5 179 Tucker,T 13,599.47 18.50% 349.05 01/10/00 13,599.47
35 90 90 5 180 McRoy,C 15,944.74 17.00% 398.10 09/11/00 15,944.74
35 90 90 5 181 Robb,K 8,716.80 22.00% 299.41 12/30/99 8,716.80
35 90 90 5 182 Pettway,A 14,535.82 17.00% 375.00 02/15/00 15,089.22
35 90 90 5 183 Green,A 11,500.66 22.00% 337.31 07/20/01 11,500.66
35 90 90 5 185 Arguello,M 7,376.58 25.00% 299.46 01/19/00 7,531.60
35 90 90 5 186 Cerrato,B 13,310.56 22.00% 424.55 09/26/00 13,475.21
35 90 90 5 187 Valdes,A 16,412.75 18.50% 450.02 12/26/99 16,412.75
35 90 90 5 189 Price,D 10,813.15 18.50% 298.77 04/03/00 10,813.15
35 90 90 5 191 Powell,M 10,795.37 19.00% 298.89 10/03/00 10,795.37
35 90 90 5 193 Siler,W 9,685.68 22.00% 332.69 01/05/00 9,685.68
35 90 90 5 195 Cahall,H 4,088.83 25.00% 170.31 12/25/99 4,233.74
35 90 90 5 196 Lieberstein,M 11,525.29 25.00% 414.43 07/22/99 11,525.29
35 90 90 5 197 Carlson,C 8,065.25 22.00% 257.72 12/15/99 8,179.99
35 90 90 5 199 Quijano,L 13,633.79 17.07% 341.73 12/29/99 13,633.79
35 90 90 5 200 Jeanlouis,J 11,649.06 18.50% 298.98 08/07/99 11,649.06
35 90 90 5 201 Gamson,M 7,191.62 22.00% 226.57 03/29/00 7,191.62
35 90 90 5 202 Connolly,D 11,571.04 18.50% 296.98 08/15/99 11,571.04
35 90 90 5 204 Hicks,R 12,541.44 18.50% 346.52 08/25/99 12,541.44
35 90 90 5 206 Chandler,G 7,176.65 22.00% 246.51 11/14/99 7,176.65
35 90 90 5 208 Brown,J 16,591.46 17.07% 415.90 01/05/00 16,591.46
35 90 90 5 209 Allen,R 12,049.02 18.50% 311.63 01/10/00 12,049.02
35 90 90 5 210 Ward,B 13,646.86 18.50% 350.26 12/01/99 13,646.86
35 90 90 5 213 Lucito,J 8,694.66 22.00% 273.94 10/01/00 8,694.66
35 90 90 5 214 Sanchez,F 9,240.79 25.00% 332.28 07/05/00 9,240.79
35 90 90 5 216 Baker,B 11,164.09 25.00% 401.44 07/29/99 11,164.09
35 90 90 5 220 Ricks,M 13,036.15 17.00% 323.98 01/08/00 13,036.15
35 90 90 5 221 Hayward,M 4,449.22 28.00% 253.05 11/03/99 4,610.32
35 90 90 5 222 Reed,J 13,374.63 18.50% 345.92 06/26/00 13,374.63
35 90 90 5 224 Blank,M 11,226.55 18.50% 335.08 07/01/00 11,226.55
35 90 90 5 225 Brown,J 5,650.99 25.00% 255.22 04/29/00 5,650.99
35 90 90 5 226 McNair,B 8,556.13 18.50% 235.26 04/14/00 8,556.13
35 90 90 5 227 Phipps,C 12,674.63 17.00% 314.99 09/19/00 12,674.63
35 90 90 5 229 Nelson,W 5,897.92 25.00% 234.50 03/10/00 5,897.92
35 90 90 5 230 Camacho,J 14,297.80 17.00% 357.65 03/20/00 14,297.80
35 90 90 5 231 Young,W 10,802.04 18.50% 298.65 09/21/99 10,892.26
35 90 90 5 234 Clements,C 5,134.35 25.00% 204.14 03/04/00 5,134.35
35 90 90 5 235 Clkough,M 14,714.01 18.50% 383.02 08/18/01 14,923.07
35 90 90 5 236 Burke,K 7,670.10 22.00% 265.71 08/05/01 7,670.10
35 90 90 5 237 Crawford,R 14,677.67 17.00% 364.77 02/25/00 14,677.67
35 90 90 5 238 Williams,I 4,481.42 25.00% 204.47 02/09/00 4,481.42
35 90 90 5 239 Dibenedetto,V 5,369.54 18.50% 159.14 02/27/00 5,369.54
35 90 90 5 241 Abreau,N 14,448.52 22.00% 399.05 08/30/00 14,448.52
35 90 90 5 243 Carlisi,P 3,767.24 25.00% 170.14 01/30/00 3,767.24
35 90 90 5 244 Ferguson,N 9,375.90 22.00% 324.95 09/15/01 9,375.90
35 90 90 5 247 Medley,D 14,428.08 22.00% 398.49 03/14/00 14,428.08
47
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 90 90 6 245 Duarte,M 15,424.28 17.00% 386.04 09/08/01 15,424.28
35 90 90 7 3 Fletcher,C 15,297.62 17.00% 398.05 07/15/00 16,016.62
35 90 90 7 5 Osteen,S 13,295.33 17.00% 342.12 09/16/99 13,669.52
35 90 90 7 11 Guerra,E 17,790.83 17.00% 456.85 02/21/00 18,382.73
35 90 90 7 90 Skipper,Y 19,469.74 17.00% 493.32 02/26/00 19,712.79
35 90 90 8 2 Foster,G 12,538.35 18.50% 387.76 09/04/00 12,984.95
35 90 90 8 12 Kiger,E 13,457.59 17.00% 345.08 09/08/00 13,885.26
35 90 90 8 14 Stewart,C 13,156.36 25.00% 494.04 02/26/00 13,597.52
35 90 90 8 66 Bryan,D 12,959.38 18.50% 364.00 02/28/00 13,174.26
35 90 90 8 72 French,C 9,771.40 20.00% 263.73 02/26/00 9,955.21
35 90 90 8 129 Lisle,D 5,373.85 25.00% 248.13 07/28/99 5,494.04
35 90 90 8 133 Stephens,C 21,004.71 17.00% 524.46 01/31/00 21,102.99
35 90 90 8 142 Lowe,T 14,467.79 18.50% 374.19 08/14/00 14,467.79
35 90 90 8 145 Basail,R 17,987.33 18.50% 497.69 03/21/00 18,014.85
35 90 90 8 162 Gonzalez,D 7,240.84 25.00% 260.36 10/26/99 7,240.84
35 90 90 8 175 Jackson,L 13,752.77 18.50% 379.95 05/10/00 13,752.77
35 90 90 8 184 Durant,D 11,117.85 21.99% 350.19 07/25/00 11,117.85
35 90 90 8 192 Mills,C 7,861.54 25.98% 316.66 08/02/00 7,861.54
35 90 90 8 203 Johnson,S 12,853.44 18.50% 329.90 04/01/00 12,853.44
35 90 90 8 218 Lafiura,D 7,034.85 25.00% 279.70 03/20/00 7,034.85
35 90 90 8 232 Kielman,S 8,267.00 25.00% 328.69 02/29/00 8,267.00
35 90 90 9 101 Moore,K 11,330.61 18.50% 313.02 07/30/01 11,330.61
35 100 100 1 174 Duggan,D 14,145.77 18.10% 405.49 01/02/00 14,905.23
35 100 100 1 266 Norton,B 15,449.48 17.00% 399.74 07/15/00 16,084.45
35 100 100 1 519 Junior,B 22,890.98 17.00% 578.09 01/22/00 23,260.72
35 100 100 1 533 Long,S 13,993.54 17.00% 358.96 08/24/00 14,443.80
35 100 100 1 534 Wallace,M 12,801.31 17.00% 328.73 09/02/00 13,227.45
35 100 100 1 548 Holland,R 14,617.95 17.00% 369.91 07/14/00 14,779.55
35 100 100 1 594 Butler,A 17,665.81 17.00% 414.82 03/19/00 17,943.87 B
35 100 100 1 668 Dupree,E 18,356.56 17.99% 475.89 01/22/00 18,745.05
35 100 100 1 981 Barnes,R 18,614.72 17.00% 462.62 08/01/00 18,614.72
35 100 100 1 1007 Holtzman,D 12,824.60 17.00% 318.72 09/05/00 12,824.60
35 100 100 1 1819 Davis,L 13,164.38 17.00% 351.53 09/21/00 14,144.94
35 100 100 1 1850 Harris,D 19,041.31 17.00% 510.81 09/07/00 20,411.34
35 100 100 1 2008 Stribling,C 17,226.08 17.00% 463.10 09/20/00 18,502.95
35 100 100 2 22 Hill,S 17,344.10 17.00% 459.99 06/02/00 18,508.89
35 100 100 2 27 Bridges,C 13,076.26 17.00% 323.44 11/29/99 13,866.61 B
35 100 100 2 28 Niemyer,J 13,323.27 17.00% 353.03 02/01/00 14,198.50
35 100 100 2 51 Buckner,A 10,818.83 17.00% 259.55 08/20/01 11,249.50 B
35 100 100 2 52 Clark,P 17,994.58 17.00% 475.84 09/30/99 19,092.86
35 100 100 2 64 Murphy,A 16,792.49 17.00% 403.95 12/25/99 17,284.00 B
35 100 100 2 74 Coleman,B 15,551.57 17.00% 375.42 04/05/01 16,133.00 B
35 100 100 2 76 Smith,D 12,529.01 17.00% 333.22 07/19/01 13,315.00
35 100 100 2 78 Doublette,T 14,139.95 17.00% 341.68 07/19/01 14,714.27 B
35 100 100 2 91 Hill,H 12,110.01 17.00% 298.73 10/21/99 12,867.00 B
35 100 100 2 115 Rogers,T 13,397.38 17.00% 328.64 07/21/00 14,165.00 B
35 100 100 2 120 Duffy,S 13,784.47 17.00% 335.57 03/07/00 14,341.22 B
35 100 100 2 130 Serrano,A 14,573.87 17.00% 359.73 01/25/00 15,431.50 B
35 100 100 2 131 Day,J 17,240.90 17.00% 417.11 10/15/99 17,890.00 B
35 100 100 2 136 Bell,S 22,310.88 17.00% 583.64 12/21/99 23,321.36
35 100 100 2 137 Culbert,D 16,891.33 17.00% 415.48 10/07/99 17,682.64 B
35 100 100 2 145 Jackson,T 13,772.57 17.00% 332.48 04/10/00 14,259.50 B
35 100 100 2 167 Deel,M 15,532.18 17.00% 407.54 12/07/99 16,291.00
35 100 100 2 198 Roberts,R 13,667.87 17.00% 328.08 12/01/99 14,177.91 B
35 100 100 2 206 Kelly,C 8,509.27 18.50% 269.93 10/13/99 9,108.00
35 100 100 2 221 Davis,W 14,328.03 17.00% 380.98 10/25/99 15,329.88
35 100 100 2 238 Adkins,M 19,175.13 17.00% 504.75 07/14/00 20,309.90
35 100 100 2 239 Gonzalez,O 10,326.96 17.00% 266.02 06/12/00 10,704.00
35 100 100 2 270 Franklin,K 10,507.76 17.00% 273.02 10/28/99 10,985.65
35 100 100 2 302 Reed,D 13,589.85 17.00% 352.78 10/20/99 14,195.00
35 100 100 2 328 Nelson,J 14,860.64 17.00% 386.20 07/04/00 15,540.00
35 100 100 2 348 Valero,J 16,101.59 17.00% 413.04 02/19/00 16,504.53
35 100 100 2 428 Bullard,T 13,811.60 17.00% 346.07 05/01/00 13,925.12
35 100 100 2 455 Rutledge,D 11,874.34 17.00% 300.00 10/05/00 12,071.32
35 100 100 2 458 Tannery,M 13,673.71 17.00% 350.00 10/11/01 14,083.18
35 100 100 2 486 Causey,W 12,976.58 17.00% 328.80 09/26/00 13,193.27
48
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 2 490 Harvey,F 17,842.05 17.00% 449.90 07/14/00 18,018.40
35 100 100 2 505 Mithcell,F 14,230.15 17.00% 359.92 04/23/00 14,414.29
35 100 100 2 521 Crider,C 13,894.00 17.00% 352.52 05/15/00 14,184.29
35 100 100 2 555 Adams,J 14,060.90 17.00% 357.00 04/14/00 14,263.87
35 100 100 2 559 Morris,D 13,871.46 17.00% 350.00 02/09/01 14,029.95
35 100 100 2 643 Jones,P 13,749.85 17.00% 349.71 02/13/00 14,071.63
35 100 100 2 665 Lott,M 20,142.07 17.00% 503.95 08/01/99 20,277.69
35 100 100 2 672 Harrimlan,T 13,986.68 17.00% 350.51 05/06/00 14,004.54
35 100 100 2 675 Ridley,J 15,005.80 17.00% 376.05 03/06/00 15,024.96
35 100 100 2 683 Ellis,D 13,269.77 17.00% 331.69 07/14/00 13,346.60
35 100 100 2 690 Sharp,B 12,490.57 17.00% 317.22 10/03/99 12,764.23
35 100 100 2 707 Mack,E 14,151.10 17.00% 354.39 08/11/01 14,259.76
35 100 100 2 715 Wright,W 13,669.19 17.00% 342.32 03/20/00 13,774.15
35 100 100 2 718 Dunn,S 17,462.63 17.00% 437.57 10/21/99 17,484.88
35 100 100 2 720 Herndon,A 16,227.09 17.00% 413.00 07/09/00 16,618.24
35 100 100 2 728 Higgins,N 12,939.31 17.00% 324.81 09/15/99 13,039.42
35 100 100 2 731 Johnson,C 14,023.80 17.00% 329.18 12/25/99 14,023.80 B
35 100 100 2 735 Cummings,D 19,462.68 17.00% 489.04 05/01/00 19,640.70
35 100 100 2 736 Coston,L 15,455.59 17.00% 384.36 10/17/99 15,465.40
35 100 100 2 756 Ruffin,R 14,575.98 17.00% 364.82 10/13/99 14,575.98
35 100 100 2 768 Burch,B 4,098.33 28.00% 229.26 11/26/99 4,176.99
35 100 100 2 775 Hicks,R 16,792.90 17.00% 418.33 02/28/00 16,792.90
35 100 100 2 801 Terry,C 15,583.25 17.00% 392.09 11/16/99 15,776.94
35 100 100 2 803 Hudson,J 14,907.58 17.00% 374.57 09/08/99 15,071.57
35 100 100 2 810 Bush,S 14,497.08 17.00% 362.72 03/06/00 14,594.70
35 100 100 2 827 Aberams,V 12,802.08 17.00% 320.31 11/20/99 12,888.29
35 100 100 2 838 Roberts,D 14,122.44 17.00% 355.00 06/01/00 14,284.51
35 100 100 2 839 Russo,J 13,835.50 17.00% 346.25 02/22/00 13,835.50
35 100 100 2 846 Reynolds,A 16,094.75 17.00% 399.99 12/11/99 16,094.75
35 100 100 2 854 Parks,J 16,866.71 17.00% 419.18 09/10/99 16,866.71
35 100 100 2 863 Brooke,A 14,066.10 17.00% 352.05 09/22/99 14,066.10
35 100 100 2 873 Peele,F 14,299.21 17.00% 358.78 05/30/00 14,436.33
35 100 100 2 882 Townsend,F 10,998.76 17.00% 274.38 02/24/00 10,998.76
35 100 100 2 932 Dotson,S 15,942.39 17.00% 399.01 11/17/99 15,942.39
35 100 100 2 944 Blase,L 15,643.26 17.00% 391.34 02/28/00 15,643.26
35 100 100 2 960 Smith,B 14,069.32 17.00% 349.65 09/13/99 14,069.32
35 100 100 2 963 Rucker,B 16,470.88 17.00% 412.01 12/07/99 16,470.88
35 100 100 2 965 Hobbs,K 13,893.18 17.00% 345.28 12/04/99 13,893.18
35 100 100 2 971 Millen,P 18,005.19 17.00% 450.64 06/01/00 18,005.19
35 100 100 2 984 Reed,V 17,644.06 17.00% 441.60 08/30/99 17,644.06
35 100 100 2 999 Allen,H 18,883.39 17.00% 472.62 12/10/99 18,883.39
35 100 100 2 1013 Price,A 10,205.00 17.00% 255.39 09/01/99 10,205.00
35 100 100 2 1017 Thigpen,J 15,299.45 17.00% 382.92 01/23/01 15,299.45
35 100 100 2 1811 Horace,C 17,437.33 17.00% 469.32 11/18/99 18,753.41
35 100 100 2 1823 Alford,A 9,046.29 17.00% 240.87 11/19/99 9,624.89
35 100 100 2 1859 Clark,S 12,349.88 17.00% 336.28 08/03/01 13,518.48
35 100 100 2 1888 Glass,S 12,270.20 17.00% 335.59 04/15/00 13,503.50
35 100 100 2 1897 Sullivan,R 16,684.28 17.00% 447.07 09/18/99 17,955.57
35 100 100 2 1903 Buracker,M 10,050.02 17.00% 270.95 08/17/01 10,861.50
35 100 100 2 1942 Bryan,R 14,907.25 17.00% 406.53 04/01/00 16,242.74
35 100 100 2 1953 Robinson,C 10,207.67 17.00% 279.99 04/13/00 11,266.30
35 100 100 2 1966 Nichols,G 13,966.34 17.00% 374.82 05/14/99 15,060.78
35 100 100 2 1985 Singer,W 10,210.43 17.00% 274.98 10/13/99 11,059.38
35 100 100 2 2007 Hugh,J 14,892.92 17.00% 400.04 04/18/00 15,985.00
35 100 100 2 2014 Hopkins,E 14,688.33 17.00% 359.50 10/25/99 15,582.00 B
35 100 100 2 2032 Coverson,D 13,801.85 17.00% 343.37 02/05/99 14,527.00 B
35 100 100 2 2058 Brinson,V 14,154.46 17.00% 373.59 01/01/00 14,928.00
35 100 100 3 13 Tomberlin,D 16,071.74 17.00% 427.96 11/20/99 17,220.25
35 100 100 3 33 Gates,M 15,526.15 17.00% 411.13 08/12/00 16,543.04
35 100 100 3 55 Smith,J 18,262.41 17.00% 482.46 11/13/99 19,413.00
35 100 100 3 62 Townsend,L 13,372.70 17.00% 347.62 11/17/99 13,954.46
35 100 100 3 84 Cantrell,L 12,771.93 17.00% 333.76 10/17/99 13,336.48
35 100 100 3 87 Carroll,J 18,351.68 17.00% 483.85 08/16/99 19,469.00
35 100 100 3 116 Ledbetter,D 14,211.73 17.00% 378.68 11/02/99 15,131.60
35 100 100 3 122 Lawson,J 18,584.82 17.00% 489.58 08/18/00 19,608.32
35 100 100 3 147 Bailey,R 14,430.73 17.00% 379.85 02/19/01 15,284.50
49
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 3 182 Rogers,M 13,093.08 17.00% 345.89 08/16/00 13,918.00
35 100 100 3 187 Morrow,M 15,914.09 17.00% 496.35 03/14/00 17,088.80
35 100 100 3 194 Fox,V 12,454.88 17.00% 325.00 12/27/99 13,077.31
35 100 100 3 195 Carter,R 14,674.39 17.00% 358.88 07/15/00 15,270.20 B
35 100 100 3 196 Smiley,D 22,601.92 17.00% 594.47 11/23/99 23,897.88
35 100 100 3 205 Duncan,C 9,532.60 17.00% 250.28 11/28/99 10,070.94
35 100 100 3 209 Bloomfield,E 13,274.43 17.00% 343.92 02/08/00 13,741.13
35 100 100 3 217 Reid,L 16,077.27 17.00% 387.24 07/30/00 16,527.62 B
35 100 100 3 227 Cox,L 8,707.52 17.00% 228.55 05/15/00 9,196.54
35 100 100 3 257 Palmiter,S 13,475.96 17.00% 349.64 07/18/00 14,049.00
35 100 100 3 264 Thompkins,W 16,773.07 17.00% 435.77 04/25/00 17,412.59
35 100 100 3 271 Jernigan,M 15,745.35 17.00% 408.89 01/27/00 16,452.94
35 100 100 3 298 Nixon,J 12,768.56 17.00% 331.79 07/25/01 13,257.93
35 100 100 3 305 Lynch,D 13,112.96 17.00% 331.97 01/11/00 13,270.00
35 100 100 3 318 Mincey,R 15,525.23 17.00% 400.80 11/24/99 16,127.14
35 100 100 3 324 Simmons,C 13,963.37 17.00% 361.96 08/06/00 14,557.70
35 100 100 3 340 Cave,J 20,521.28 17.00% 532.84 06/19/00 21,430.00
35 100 100 3 354 Moore,T 14,024.59 17.00% 334.98 01/19/00 14,523.24 B
35 100 100 3 369 Rader,J 19,176.11 17.00% 496.41 12/22/99 19,834.02
35 100 100 3 383 Zorilla,F 15,428.51 17.00% 400.00 06/06/00 16,095.25
35 100 100 3 395 Stephens,W 14,601.23 17.00% 375.00 07/16/99 14,984.53
35 100 100 3 423 Ellis,Z 13,119.52 17.00% 331.97 06/01/00 13,265.26
35 100 100 3 437 Blackman,B 23,397.23 17.00% 600.00 02/23/00 23,974.90
35 100 100 3 450 Conley,R 12,638.91 17.00% 325.00 09/27/00 13,077.12
35 100 100 3 467 Haugabook,A 15,881.42 17.00% 402.64 06/15/00 16,087.29
35 100 100 3 468 Thomas,J 20,462.09 17.00% 520.31 08/06/00 20,789.00
35 100 100 3 469 Long,P 13,562.97 17.00% 348.61 04/27/00 14,027.50
35 100 100 3 472 Eddleman,T 13,371.69 17.00% 343.10 01/29/00 13,708.18
35 100 100 3 479 Smith,T 11,262.89 17.00% 285.00 08/28/99 11,387.44
35 100 100 3 484 Walden,K 17,449.49 17.00% 447.74 01/12/00 17,889.46
35 100 100 3 508 Peeples,R 15,244.56 17.00% 387.95 08/08/99 15,559.00
35 100 100 3 531 Harvey,D 15,205.96 17.00% 355.43 01/11/00 15,462.43 B
35 100 100 3 563 Williams,D 15,614.84 17.00% 359.92 03/26/00 15,842.00 B
35 100 100 3 565 Shadowhawk,J 12,779.15 17.00% 320.24 03/31/00 12,812.95
35 100 100 3 567 Harleman,A 13,624.46 17.00% 350.47 01/11/00 13,976.44
35 100 100 3 627 Mcintosh,E 16,975.54 17.00% 400.00 12/28/99 17,248.01 B
35 100 100 3 636 Kroner,M 14,166.71 17.00% 355.68 08/09/99 14,211.30
35 100 100 3 670 Defore,P 13,348.65 17.00% 337.57 09/07/99 13,583.17
35 100 100 3 682 Quarterman,S 14,956.97 17.00% 375.00 09/06/00 14,983.05
35 100 100 3 747 Sikes,P 12,287.23 17.00% 308.36 08/19/00 12,314.55
35 100 100 3 769 Howard,B 18,211.04 17.00% 424.98 02/11/00 18,236.81 B
35 100 100 3 776 Edwards,C 13,946.67 17.00% 349.12 01/27/00 14,048.04
35 100 100 3 783 Locke,R 26,337.47 17.00% 663.06 08/08/99 26,494.99
35 100 100 3 793 Nadeau,C 20,046.65 17.00% 504.02 03/25/00 20,137.98
35 100 100 3 797 Mitchell,S 23,075.81 17.00% 579.88 03/09/00 23,223.05
35 100 100 3 814 Wallace,D 22,683.22 17.00% 570.00 02/29/00 22,838.38
35 100 100 3 821 Hall,M 21,531.64 17.00% 538.85 03/11/00 21,531.64
35 100 100 3 845 Murray,J 20,543.10 17.00% 510.54 02/05/00 20,543.10
35 100 100 3 848 Smith,M 23,050.55 17.00% 575.54 08/20/99 23,050.55
35 100 100 3 937 McLemore,L 13,660.41 17.00% 339.49 12/29/99 13,660.41
35 100 100 3 966 Flowers,S 15,865.66 17.00% 396.32 06/12/98 15,865.66
35 100 100 3 1020 Tanner,W 20,400.43 17.00% 510.54 09/19/00 20,400.43
35 100 100 3 1024 Johnson,M 16,771.50 17.00% 419.72 09/25/01 16,771.50
35 100 100 3 1807 McKever,D 19,460.45 17.00% 530.00 10/04/01 21,325.85
35 100 100 3 1813 Basarich,D 17,123.38 17.00% 465.75 11/03/99 18,740.66
35 100 100 3 1908 Gaines,P 13,681.92 17.00% 367.38 10/25/99 14,680.00
35 100 100 3 1939 Dipolito,B 19,109.35 18.50% 519.65 08/21/99 20,091.80
35 100 100 3 1991 Troupe,J 11,642.07 17.00% 305.76 02/05/00 12,217.82
35 100 100 3 2027 Altman,A 11,878.04 17.00% 319.33 11/18/99 12,830.87
35 100 100 4 5 Hammonds,J 9,188.21 18.50% 304.09 02/21/00 10,260.47
35 100 100 4 93 DuPree,P 11,154.46 17.00% 295.21 03/10/99 11,878.50
35 100 100 4 109 Rogers,T 7,301.02 22.00% 242.19 07/19/99 7,687.00
35 100 100 4 154 Reid,B 4,862.60 25.00% 248.35 02/08/00 5,480.00
35 100 100 4 158 Rusaw,K 8,741.87 18.50% 255.29 08/04/99 9,239.74
35 100 100 4 162 Richardson,R 10,257.95 22.00% 367.56 12/17/99 10,635.82
50
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 4 171 Greene,F 12,048.78 18.50% 383.54 12/29/99 12,842.23
35 100 100 4 280 Ferguson,J 11,670.41 22.00% 412.06 07/02/99 11,887.64
35 100 100 4 350 Lewis,P 8,260.63 18.50% 256.15 08/15/99 8,576.94
35 100 100 4 388 Ferguson,N 13,744.44 18.50% 421.70 01/26/00 14,120.00
35 100 100 4 390 Lewis,A 13,405.88 22.00% 464.69 02/25/00 13,405.88
35 100 100 4 411 Sams,T 12,158.40 18.50% 343.61 08/15/99 12,500.00
35 100 100 4 419 Hammonds,J 5,333.52 28.00% 324.96 11/20/99 5,852.04
35 100 100 4 463 Eaton,L 15,110.56 17.00% 391.52 08/16/00 15,643.04
35 100 100 4 488 Wright,E 10,839.92 18.50% 305.39 08/13/99 11,120.94
35 100 100 4 489 Gibson,F 15,550.67 17.00% 361.55 07/02/00 15,732.77 B
35 100 100 4 546 Colvin,J 6,158.16 25.00% 258.44 12/22/99 6,500.00
35 100 100 4 572 Thurmond,J 13,836.41 17.00% 352.76 12/24/99 14,094.27
35 100 100 4 579 Longwater,E 11,065.27 18.50% 284.96 09/16/00 11,260.00 B
35 100 100 4 592 Wilkerson,B 11,592.89 18.50% 325.05 01/07/00 11,855.00
35 100 100 4 596 Woods,P 19,450.99 18.50% 503.08 01/02/00 19,460.89
35 100 100 4 615 Wise,K 12,109.95 18.50% 362.85 07/08/00 12,243.20
35 100 100 4 632 Harvey,C 4,765.05 28.00% 266.15 01/02/00 4,848.94
35 100 100 4 649 Roberts,L 10,485.31 18.50% 293.34 01/12/00 10,698.77
35 100 100 4 653 Golden,C 12,555.36 18.50% 325.56 12/26/99 12,587.45
35 100 100 4 658 Porter,P 13,907.70 17.00% 349.77 02/13/00 14,073.94
35 100 100 4 660 Mattox,J 11,666.98 18.50% 305.44 09/04/99 11,900.35
35 100 100 4 691 Jones,E 15,154.70 17.00% 379.30 05/27/99 15,154.70
35 100 100 4 696 DelPercio,V 14,990.83 17.00% 375.42 03/19/00 15,105.94
35 100 100 4 723 Hiers,T 13,245.63 17.00% 301.51 05/30/00 13,344.50 B
35 100 100 4 729 Fuqua,S 11,378.21 25.00% 458.88 06/15/00 11,422.44
35 100 100 4 755 Johnson,H 13,238.60 18.50% 349.35 06/16/00 13,507.00
35 100 100 4 757 Small,C 14,917.98 17.00% 374.90 09/01/01 14,978.94
35 100 100 4 758 Smith,G 10,924.42 18.50% 283.54 01/30/00 11,047.05
35 100 100 4 761 Willie,P 8,432.25 22.00% 268.55 03/04/00 8,446.26
35 100 100 4 777 Colson,H 12,037.29 18.50% 333.96 12/20/99 12,179.88
35 100 100 4 779 Youmans,J 9,132.00 18.50% 234.38 06/08/00 9,132.00
35 100 100 4 782 Myrick,R 12,250.23 18.50% 324.65 12/16/99 12,552.22
35 100 100 4 786 Newell,E 9,975.24 18.50% 257.17 12/16/99 10,019.94
35 100 100 4 813 Watson,D 13,547.94 18.50% 372.40 03/16/00 13,547.94
35 100 100 4 847 Kilpatrick,R 15,282.00 22.00% 481.47 04/08/00 15,282.00
35 100 100 4 849 Jackson,P 11,396.00 18.50% 314.87 10/25/99 11,396.00
35 100 100 4 850 Sacristan,R 11,741.70 18.50% 301.36 05/12/00 11,741.70
35 100 100 4 864 White,C 10,347.42 22.00% 345.04 11/27/99 10,816.88 B
35 100 100 4 893 Rodrguez,S 13,016.00 17.00% 323.48 05/16/00 13,016.00
35 100 100 4 895 Baldwin,P 16,343.71 17.00% 420.74 10/15/00 16,810.16
35 100 100 4 896 Lee,J 9,697.46 17.00% 249.16 04/16/00 9,954.94
35 100 100 4 903 Henderson,T 10,822.28 18.50% 288.64 05/30/00 11,122.69 B
35 100 100 4 907 Guevara,C 12,602.63 18.50% 350.00 04/16/00 12,765.01
35 100 100 4 938 Moye,L 6,969.40 18.50% 207.18 03/11/00 6,969.40
35 100 100 4 947 Jones,T 14,768.42 17.00% 370.45 08/01/00 14,801.09
35 100 100 4 949 Eberhart,J 8,209.51 22.00% 284.56 09/27/99 8,209.51
35 100 100 4 962 Perry,C 15,003.93 18.50% 416.99 03/10/00 15,092.00
35 100 100 4 969 West,O 6,200.00 20.00% 190.24 06/12/00 6,200.00
35 100 100 4 993 Huertas,C 12,411.47 18.50% 340.30 02/29/00 12,411.47
35 100 100 4 997 Exum,C 12,507.93 22.00% 400.66 12/20/99 12,716.97
35 100 100 4 1025 Robinson,T 5,759.32 25.00% 260.11 04/27/00 5,759.32
35 100 100 4 1030 Degado,O 8,437.00 25.00% 335.45 04/04/00 8,437.00
51
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 4 1814 McLauren,G 10,317.61 18.50% 314.95 11/25/99 11,400.44
35 100 100 4 1821 Manac,B 5,375.61 22.00% 213.05 07/12/99 6,184.00
35 100 100 4 1856 Sobasky,J 11,803.97 17.00% 323.95 04/02/99 12,968.57
35 100 100 4 1889 Eason,B 17,899.31 18.50% 531.80 08/23/99 19,395.42
35 100 100 4 1891 Slack,G 8,261.63 25.00% 390.49 08/20/99 9,821.28
35 100 100 4 1917 Crawford,B 4,119.44 25.00% 224.85 06/04/00 4,927.19
35 100 100 4 1919 Long,D 9,022.16 18.50% 269.17 02/29/00 9,747.94
35 100 100 4 1936 Williams,J 12,498.68 18.50% 345.29 07/30/00 13,350.00
35 100 100 4 1946 Sims,C 5,421.36 25.00% 249.99 01/22/99 6,287.58
35 100 100 4 1949 Plaisance,L 12,212.03 18.50% 346.21 01/17/00 13,385.93
35 100 100 4 1957 Williams,M 18,128.90 17.00% 499.91 08/08/00 20,115.40
35 100 100 5 1 Ellis,Z 9,529.46 18.50% 308.11 07/29/99 10,318.04
35 100 100 5 6 Gonzalez,E 11,062.14 18.50% 332.07 08/20/00 12,105.17
35 100 100 5 9 Sasser,A 7,837.74 18.50% 258.54 07/19/99 8,723.64
35 100 100 5 11 Johnson,C 6,516.84 22.00% 253.75 03/06/00 7,387.64
35 100 100 5 16 Gilbert,L 11,129.61 18.50% 307.72 07/29/99 11,989.50
35 100 100 5 17 Larochester,D 7,614.40 18.50% 225.33 09/04/99 8,218.15
35 100 100 5 19 Thomaston,R 4,414.41 25.00% 242.52 08/27/99 5,337.27
35 100 100 5 23 Smith,W 9,034.38 22.00% 336.16 08/16/99 9,698.00
35 100 100 5 34 Fordham,C 11,122.99 18.50% 351.00 08/15/99 11,773.90
35 100 100 5 35 Hurst,J 7,373.15 25.00% 388.30 07/07/00 8,509.12
35 100 100 5 36 Joiner,R 7,863.08 18.50% 283.56 08/12/99 8,772.88
35 100 100 5 37 Denson,B 7,139.80 18.50% 236.91 07/23/00 7,993.64
35 100 100 5 38 Reddick,T 12,767.50 18.50% 381.11 01/30/00 13,899.70
35 100 100 5 40 Johnston,M 10,998.59 18.50% 325.36 09/30/99 11,776.95
35 100 100 5 41 Williams,B 9,899.80 22.00% 367.98 07/26/99 10,615.95
35 100 100 5 42 Holt,G 13,907.29 18.50% 378.45 09/10/00 14,700.00
35 100 100 5 44 McMillian,E 8,911.25 18.50% 288.91 11/29/99 9,674.99
35 100 100 5 45 Yawn,P 9,045.19 18.50% 300.01 06/14/00 10,122.94
35 100 100 5 47 Williams,V 6,130.87 22.00% 267.40 03/17/00 7,001.64
35 100 100 5 48 Tolliver,P 12,456.08 18.50% 405.49 09/20/99 13,647.00
35 100 100 5 49 Hardee,W 4,786.22 25.00% 200.13 10/05/99 5,550.50
35 100 100 5 53 Allen,C 12,839.24 25.00% 579.22 09/28/99 14,568.00
35 100 100 5 56 Coleman,M 13,886.97 17.00% 368.24 09/29/99 14,817.06
35 100 100 5 57 Foster,R 13,473.20 18.50% 436.89 08/09/99 14,741.50
35 100 100 5 58 Dennson,T 7,068.19 25.00% 266.65 09/29/99 7,415.64
35 100 100 5 60 Simmons,F 12,418.08 18.50% 361.47 04/01/00 13,076.00
35 100 100 5 61 Stokes,S 12,143.17 18.50% 359.73 09/20/99 13,021.22
35 100 100 5 63 Thomas,S 8,122.72 18.50% 263.32 07/12/99 8,884.94
35 100 100 5 67 Heath,J 8,677.88 22.00% 330.89 08/03/99 9,545.93
35 100 100 5 68 Johnson,K 9,721.95 18.50% 305.26 04/12/00 10,299.99
35 100 100 5 80 Trahan,C 9,802.63 18.50% 310.70 09/23/99 10,440.91
35 100 100 5 81 Carter,A 6,340.53 18.50% 204.60 06/27/00 6,903.64
35 100 100 5 82 Maxwell,G 14,582.30 22.00% 411.86 02/29/00 14,903.18
35 100 100 5 83 Wooten,C 8,103.13 18.50% 262.56 06/03/00 8,859.30
35 100 100 5 85 Palmer,L 7,117.84 18.50% 230.86 07/04/00 7,789.64
35 100 100 5 89 Eller,L 3,450.38 25.00% 178.06 02/12/00 3,901.95
35 100 100 5 90 Givens,L 3,289.63 28.00% 215.00 06/01/00 3,874.95
35 100 100 5 94 Martin,J 9,254.03 18.50% 300.00 11/23/99 10,096.72
35 100 100 5 95 Bell,A 7,196.62 18.50% 232.88 10/01/99 7,857.64
35 100 100 5 97 Kennedy,A 9,074.50 22.00% 355.94 10/08/99 10,300.00
35 100 100 5 99 Davidson,A 11,807.56 18.50% 349.87 09/05/99 12,760.51
52
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 5 100 Grimes,A 6,460.13 25.00% 332.81 07/10/00 7,338.50
35 100 100 5 102 Phares,C 7,852.75 25.00% 337.75 01/24/00 8,495.00
35 100 100 5 105 Saylor,D 4,462.75 22.00% 166.66 02/01/00 4,807.88
35 100 100 5 107 Hudson,L 9,270.82 25.00% 416.19 10/16/99 10,467.64
35 100 100 5 110 Lofton,G 12,117.93 18.50% 363.21 09/14/99 13,145.75
35 100 100 5 111 Gray,C 14,398.68 18.50% 397.03 02/16/00 15,355.00 B
35 100 100 5 112 Smith,A 12,400.30 18.50% 357.86 05/03/00 12,953.48
35 100 100 5 113 Wooten,C 7,218.86 22.00% 268.31 11/09/99 7,774.18
35 100 100 5 118 Timpson,C 7,513.98 18.50% 239.39 12/08/99 8,048.44
35 100 100 5 121 Foust,E 12,066.31 18.50% 356.89 02/02/00 13,016.55
35 100 100 5 124 Ingram,J 6,387.92 25.00% 255.32 08/26/00 7,100.30
35 100 100 5 127 Simpson,B 10,507.92 17.00% 279.73 08/30/00 11,255.97
35 100 100 5 129 Thomas,Y 9,835.07 18.50% 285.20 05/17/00 10,401.64
35 100 100 5 133 Forsythe,L 10,150.59 22.00% 378.35 04/23/00 10,954.85
35 100 100 5 134 Spivey,J 9,801.78 18.50% 284.40 12/12/99 10,294.36
35 100 100 5 138 Yobert,W 6,870.56 22.00% 251.69 10/19/99 7,327.64
35 100 100 5 139 Winfrey,M 7,329.61 22.00% 279.65 07/05/00 8,141.64
35 100 100 5 141 Cunningham,C 9,077.98 18.50% 263.98 12/01/99 9,603.00
35 100 100 5 142 Bess,R 12,278.93 18.50% 392.72 02/12/00 13,151.48
35 100 100 5 146 Jones,J 11,201.53 18.50% 327.27 04/29/00 11,936.34
35 100 100 5 148 Tolbert,D 15,286.10 18.50% 483.74 05/02/00 16,322.34
35 100 100 5 149 Williams,A 9,317.26 18.50% 303.74 01/19/00 10,248.75
35 100 100 5 150 Bussey,S 11,227.57 18.50% 359.26 02/08/00 12,122.00
35 100 100 5 151 Martin,E 8,392.33 22.00% 319.04 03/26/00 9,288.28
35 100 100 5 155 Washington,M 5,574.16 25.00% 242.58 08/16/01 6,101.14
35 100 100 5 157 Echols,B 15,784.32 18.50% 421.69 04/07/00 16,419.00 B
35 100 100 5 159 Lackey,M 11,621.08 18.50% 338.33 12/08/00 12,246.48
35 100 100 5 160 Irions,J 8,930.45 21.85% 254.96 03/08/00 9,260.00
35 100 100 5 161 Sunbeam,W 5,131.88 25.00% 225.78 05/26/00 5,678.64
35 100 100 5 163 Key,D 8,235.66 25.00% 328.66 09/12/00 9,102.22
35 100 100 5 164 Sturgis,P 8,713.93 18.50% 251.97 09/18/00 9,189.64
35 100 100 5 165 Meadows,K 10,364.59 18.50% 302.98 07/14/00 10,966.90
35 100 100 5 166 Rosales,S 4,366.34 28.00% 298.53 09/22/99 5,438.90
35 100 100 5 170 Oglesby,J 5,686.86 25.00% 256.77 09/25/00 6,458.00
35 100 100 5 172 Cook,M 7,569.36 18.50% 240.33 09/30/00 8,109.48
35 100 100 5 175 Anderson,R 6,579.95 25.00% 284.83 03/31/00 7,163.64
35 100 100 5 177 Robinson,L 7,870.60 22.00% 291.74 03/13/00 8,493.64
35 100 100 5 178 Harrell,P 8,098.97 25.00% 353.52 09/11/00 8,891.40
35 100 100 5 179 Oliver,D 10,284.37 18.50% 299.65 09/05/00 10,846.48
35 100 100 5 180 Luster,R 10,367.97 18.50% 302.27 09/19/99 10,941.43
35 100 100 5 183 Castle,E 12,916.06 18.50% 375.43 03/01/00 13,587.79
35 100 100 5 186 Cody,C 8,954.43 18.50% 239.99 03/23/01 9,350.70
35 100 100 5 188 Yarbough,B 8,787.48 18.50% 280.00 08/23/00 9,447.64
35 100 100 5 190 Savage,J 5,394.07 22.00% 220.88 08/25/99 5,734.75
35 100 100 5 197 Irvin,D 8,178.93 18.50% 260.91 08/13/00 8,803.44
35 100 100 5 199 Samuel,B 11,359.55 18.50% 300.10 05/24/00 11,692.70
35 100 100 5 203 Cunningham,R 15,043.28 18.50% 425.30 07/29/00 15,392.70
35 100 100 5 207 Royal,F 11,820.91 18.50% 337.85 09/13/00 12,322.00
35 100 100 5 210 Mccall,L 6,188.57 22.00% 226.21 10/15/99 6,585.64
35 100 100 5 214 Murray,M 7,852.68 18.50% 250.48 09/19/00 8,451.64
35 100 100 5 218 Smart,D 11,784.39 18.50% 375.71 05/21/00 12,631.62
35 100 100 5 220 Moore,C 13,174.54 18.50% 378.71 10/14/00 13,706.61
53
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 5 222 Cone,D 3,549.17 28.00% 232.43 09/20/00 4,234.66
35 100 100 5 223 Greene,A 8,415.12 18.50% 264.10 09/30/00 8,843.08
35 100 100 5 224 CUMMINGS,C 8,531.21 18.50% 244.51 07/14/00 8,917.64
35 100 100 5 226 Brown,A 10,288.13 18.50% 296.97 09/16/00 10,748.05
35 100 100 5 229 Hill,G 7,725.02 18.50% 221.33 05/06/00 8,072.14
35 100 100 5 230 Smith,R 9,508.60 18.50% 272.92 03/10/00 9,954.08
35 100 100 5 231 Bell,G 5,846.66 25.00% 249.68 09/14/00 6,279.64
35 100 100 5 232 Hatcher,P 6,541.14 22.00% 249.98 06/07/00 7,277.96
35 100 100 5 233 Frazier,J 12,748.94 17.00% 335.09 04/10/00 13,482.94
35 100 100 5 234 Lott,K 8,885.34 18.50% 254.87 04/28/00 9,295.64
35 100 100 5 235 Lewis,R 11,375.64 22.00% 417.52 09/26/00 12,155.48
35 100 100 5 236 Goulet,J 5,253.92 25.00% 196.11 04/14/00 5,412.44
35 100 100 5 237 Moore,W 13,425.75 18.50% 427.74 06/08/01 14,432.70
35 100 100 5 240 Porter,D 7,412.37 22.00% 277.07 09/24/01 8,066.44
35 100 100 5 241 Bates,C 6,705.49 25.00% 279.00 10/11/01 6,945.88
35 100 100 5 242 Williams,L 10,326.94 18.50% 296.29 09/28/00 10,730.25
35 100 100 5 243 Carmichael,D 13,298.49 18.50% 380.18 10/15/01 13,865.70
35 100 100 5 244 Ware,D 6,852.67 22.00% 249.96 12/28/99 7,255.54
35 100 100 5 245 Barnes,J 11,806.01 18.50% 371.42 03/11/00 12,438.15
35 100 100 5 249 Banks,C 15,988.22 18.50% 460.34 10/14/00 16,661.45
35 100 100 5 252 Montanez,I 13,701.55 18.50% 398.94 09/17/00 14,549.96
35 100 100 5 253 Flemister,R 12,305.67 20.25% 405.02 09/10/00 13,228.00 B
35 100 100 5 256 Lavender,C 6,908.12 22.00% 258.57 09/18/00 7,527.98
35 100 100 5 258 Jenkins,W 6,652.80 22.00% 241.02 10/06/00 7,016.94
35 100 100 5 260 Mcneely,R 16,018.14 18.50% 505.74 05/27/00 17,064.63
35 100 100 5 261 Deas,L 12,906.26 18.50% 412.76 03/20/00 13,927.50
35 100 100 5 262 Frazier,M 7,493.31 22.00% 274.84 09/19/00 7,929.00
35 100 100 5 263 Mayers,R 8,496.51 22.00% 274.84 09/19/00 8,681.24
35 100 100 5 272 Cox,B 7,104.33 22.00% 260.60 03/27/01 7,586.94
35 100 100 5 274 Williams,S 6,350.92 22.00% 230.47 05/22/00 6,709.64
35 100 100 5 275 Fletcher,J 8,778.20 22.00% 296.76 10/20/99 8,974.23
35 100 100 5 276 Grandstaff,J 6,282.94 18.50% 197.25 03/24/00 6,604.64
35 100 100 5 277 Jefer,J 7,868.48 18.50% 245.24 09/25/01 8,274.94
35 100 100 5 278 Lafond,C 3,803.55 28.00% 239.56 11/24/99 4,364.50
35 100 100 5 279 Leach,S 11,680.63 18.50% 366.53 09/16/00 12,293.00
35 100 100 5 281 Pinckney,J 12,417.28 18.50% 358.63 08/12/99 12,999.66
35 100 100 5 282 Dorsey,S 12,518.14 18.50% 360.13 03/26/00 13,035.72
35 100 100 5 285 Hauck,C 13,223.86 18.50% 381.49 04/09/00 13,913.74
35 100 100 5 287 Mosher,M 16,337.41 17.00% 423.62 09/09/99 16,925.35
35 100 100 5 288 Agyemang,E 9,738.56 18.50% 352.60 03/01/99 10,759.33
35 100 100 5 289 Wilkerson,K 9,270.64 18.50% 267.30 09/26/00 9,679.30
35 100 100 5 290 SIMPSON,V 10,466.68 18.50% 279.21 08/30/99 10,878.56
35 100 100 5 292 Brown,A 13,399.48 17.00% 347.93 08/02/01 14,000.00
35 100 100 5 293 Lord,L 6,308.73 25.00% 265.71 09/01/00 6,614.00
35 100 100 5 295 Baxter,J 10,646.66 18.50% 334.10 04/10/00 11,188.24
35 100 100 5 296 Yarnell,G 9,190.04 22.00% 338.27 08/01/99 9,753.00
35 100 100 5 297 Valasquez,S 6,408.52 25.00% 274.73 10/17/01 6,838.54
35 100 100 5 300 Dudley,M 11,440.94 18.50% 359.79 06/30/00 12,140.00
35 100 100 5 301 Johnson,B 9,083.76 22.00% 302.53 12/06/99 9,515.00
35 100 100 5 304 Castleberry,R 11,981.76 18.50% 339.39 10/26/99 12,285.00
35 100 100 5 308 Johnson,A 8,979.52 18.50% 256.94 07/15/01 9,366.40
35 100 100 5 312 Hayden,M 8,723.74 22.00% 319.94 09/27/99 9,314.65
54
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 5 313 Barber,W 10,624.40 18.50% 333.06 04/09/00 11,238.34
35 100 100 5 314 Gahman,H 6,575.56 25.00% 284.22 01/02/00 7,074.75
35 100 100 5 315 Hindall,M 10,059.33 22.00% 366.32 08/24/99 10,665.00
35 100 100 5 316 Baker,J 12,241.94 25.00% 454.16 08/12/01 12,630.20
35 100 100 5 317 Miranda,I 12,359.84 18.50% 355.34 10/27/99 12,960.00
35 100 100 5 320 Snipes,F 11,594.45 17.00% 300.65 08/11/00 12,097.54
35 100 100 5 325 Wilburn,J 9,699.69 17.00% 250.90 08/20/00 10,095.34
35 100 100 5 326 Boysen,R 5,783.07 25.00% 249.40 05/24/00 6,208.00
35 100 100 5 329 Burr,D 10,217.70 18.50% 285.56 10/31/99 10,414.97
35 100 100 5 331 Johnson,W 9,979.26 18.50% 287.36 08/13/00 10,480.70
35 100 100 5 332 Ethridge,J 3,964.92 28.00% 247.67 06/21/00 4,512.33
35 100 100 5 334 Bryant,D 5,823.19 25.00% 282.72 01/26/00 6,196.78
35 100 100 5 336 Smith,S 10,592.86 18.50% 298.86 12/06/99 10,900.00
35 100 100 5 337 Clark,I 8,737.31 18.50% 274.89 08/07/00 9,256.25
35 100 100 5 339 Conateh,M 6,723.58 22.00% 246.89 10/16/99 7,188.00
35 100 100 5 342 Ford,R 8,065.51 25.00% 346.85 09/25/99 8,723.74
35 100 100 5 343 Sams,G 12,301.92 18.50% 349.10 09/24/99 12,634.94
35 100 100 5 344 Moon,M 12,836.10 18.50% 375.80 09/25/99 13,706.32
35 100 100 5 345 Morris,R 8,354.79 22.00% 278.39 08/30/99 8,809.29
35 100 100 5 351 Willoughby,C 4,669.45 28.00% 280.00 01/28/00 5,062.03
35 100 100 5 353 Kaderbek,D 17,710.04 17.00% 458.16 09/24/99 18,435.34
35 100 100 5 356 Chambliss,M 14,439.44 17.00% 376.36 10/04/99 15,143.78
35 100 100 5 358 Wilcher,T 13,387.51 18.50% 413.48 01/17/00 13,915.74
35 100 100 5 360 Young,W 11,405.55 18.50% 352.45 08/26/01 11,892.30
35 100 100 5 362 Kuglar,K 6,917.58 22.00% 249.76 04/13/00 7,223.00
35 100 100 5 363 Harris,R 4,105.33 25.00% 198.72 05/30/00 4,400.00
35 100 100 5 364 Sapp,S 10,172.41 18.50% 288.24 02/14/00 10,512.70
35 100 100 5 365 Lansdell,C 8,441.19 25.00% 316.54 05/10/00 8,719.40
35 100 100 5 366 Allison,J 8,881.28 22.00% 312.75 01/18/00 9,022.77
35 100 100 5 367 Sturgis,S 7,733.96 22.00% 278.84 11/13/99 8,118.14
35 100 100 5 370 Neeley,C 0.00 17.00% 445.29 08/13/01 17,793.35
35 100 100 5 372 Wolf,R 11,392.91 18.50% 323.68 03/04/00 11,714.69
35 100 100 5 373 Johnson,C 6,473.66 18.50% 198.57 01/18/00 6,699.95
35 100 100 5 375 Walker,C 15,085.68 17.00% 417.93 08/16/00 15,596.25
35 100 100 5 378 Poplus,A 13,731.06 25.00% 525.00 08/02/00 14,600.37
35 100 100 5 379 White,C 9,552.09 18.50% 271.30 01/27/00 9,895.00
35 100 100 5 381 Spillman,T 10,065.57 25.00% 435.96 08/26/01 10,964.95
35 100 100 5 382 Johnson,M 8,345.23 22.00% 295.32 01/17/00 8,525.84
35 100 100 5 384 Perez,J 12,758.83 18.50% 358.09 11/23/99 13,060.00
35 100 100 5 386 White,G 15,020.26 18.50% 426.54 05/10/00 15,437.38
35 100 100 5 387 Brown,W 9,644.55 18.50% 273.52 12/15/99 9,975.88
35 100 100 5 391 Davis,B 7,602.76 27.00% 326.60 07/06/00 8,000.00
35 100 100 5 394 Strong,R 13,001.60 18.50% 366.57 02/08/00 13,369.66
35 100 100 5 397 Chappel,W 14,089.75 18.50% 403.10 08/21/98 14,584.45
35 100 100 5 398 Lee,R 7,796.52 22.00% 280.56 08/20/99 8,093.94
35 100 100 5 401 Bass,M 17,414.80 18.50% 492.03 09/17/99 17,945.17
35 100 100 5 402 Mclendon,M 10,129.98 17.00% 259.87 02/05/00 10,456.64
35 100 100 5 403 Worley,M 5,971.74 25.00% 251.20 08/22/99 6,318.00
35 100 100 5 404 Lightsey,T 9,057.49 18.50% 278.39 07/14/00 9,393.56
35 100 100 5 405 Spelce,P 8,641.33 25.00% 355.32 07/30/99 8,936.66
35 100 100 5 406 Miller,R 9,675.72 18.50% 298.57 06/28/99 10,053.80
55
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 5 407 Hinton,P 14,828.47 22.00% 475.32 06/28/99 15,050.00
35 100 100 5 409 Young,S 9,605.26 18.50% 253.10 01/25/00 9,861.55
35 100 100 5 412 Guyton,D 17,531.59 19.00% 458.77 01/22/00 17,685.34
35 100 100 5 413 Thomas,A 7,048.24 25.00% 286.10 09/16/99 7,151.02
35 100 100 5 414 Ellis,A 8,677.48 18.50% 268.65 10/11/99 9,018.64
35 100 100 5 416 Jackson,M 6,113.21 22.00% 219.76 04/03/00 6,339.94
35 100 100 5 417 Thomas,M 11,997.92 18.50% 339.31 09/07/99 12,374.99
35 100 100 5 418 Elmy,R 9,609.02 18.50% 252.56 05/08/99 9,834.96
35 100 100 5 421 Edwards,S 11,759.53 18.50% 328.16 04/01/00 11,877.00
35 100 100 5 424 Walton,W 12,561.28 18.17% 366.54 10/10/01 13,299.94
35 100 100 5 425 Griner,P 9,326.67 18.50% 286.66 01/31/00 9,662.77
35 100 100 5 426 Bryant,M 10,553.33 18.50% 300.00 09/28/99 10,941.61
35 100 100 5 430 Littles,J 12,702.83 22.00% 407.31 04/02/00 12,928.01
35 100 100 5 431 Strong,D 7,617.42 22.00% 279.86 07/18/99 8,147.98
35 100 100 5 432 Holloway,T 14,946.48 17.00% 350.30 06/24/99 15,227.00 B
35 100 100 5 434 Collins,V 6,153.29 22.00% 275.96 01/22/99 8,029.50
35 100 100 5 436 Adams,W 12,490.56 18.50% 385.27 09/21/99 13,000.00
35 100 100 5 439 Crumley,F 13,002.84 18.50% 343.25 06/03/99 13,373.71
35 100 100 5 440 Lawson,A 9,816.93 18.50% 278.17 05/20/99 10,145.50
35 100 100 5 442 Montague,R 10,837.89 18.50% 303.92 04/27/99 11,000.00
35 100 100 5 444 Wells,E 11,594.55 18.50% 352.50 12/07/98 11,893.94
35 100 100 5 446 Hoskins,C 9,535.63 17.00% 245.02 03/06/00 9,790.00
35 100 100 5 448 Burnett,B 8,480.39 18.50% 260.95 06/24/99 8,805.20
35 100 100 5 451 Rivers,J 11,804.73 18.50% 335.11 06/28/99 12,221.91
35 100 100 5 452 Melton,J 10,592.12 18.50% 298.46 03/17/00 10,885.62
35 100 100 5 454 Martin,A 8,485.02 22.00% 299.17 12/26/99 8,630.78
35 100 100 5 456 Knuckles,M 8,157.13 25.00% 394.42 05/23/99 8,733.12
35 100 100 5 461 Edwards,S 14,089.70 18.50% 365.16 04/02/99 14,118.53
35 100 100 5 465 Hart,R 8,270.04 22.00% 304.78 09/10/99 8,798.19
35 100 100 5 466 Reddish,A 10,227.83 18.50% 310.61 06/06/99 10,401.76
35 100 100 5 470 Robinson,J 6,804.29 25.00% 255.63 12/23/99 7,109.00
35 100 100 5 471 Davis,D 14,263.34 18.50% 405.65 07/31/01 14,681.74
35 100 100 5 474 Jackson,E 21,023.48 17.00% 530.66 03/07/00 21,352.12
35 100 100 5 475 Muckle,E 13,658.55 22.00% 490.00 10/17/99 14,265.63
35 100 100 5 477 Booker,A 11,744.77 18.50% 328.36 05/23/99 11,896.44
35 100 100 5 478 Gibble,R 10,763.57 18.50% 322.32 03/11/00 10,875.72
35 100 100 5 480 Hopkins,D 8,195.53 18.50% 248.94 04/30/99 8,401.68
35 100 100 5 485 Williams,C 12,461.27 22.00% 349.75 03/19/99 12,548.34
35 100 100 5 492 Hutchison,W 7,663.89 22.00% 274.57 03/22/99 7,993.65
35 100 100 5 493 Jenkins,D 9,536.81 18.50% 249.26 08/01/99 9,711.67
35 100 100 5 494 Boutwell,L 18,483.87 18.50% 516.64 03/26/00 18,842.76
35 100 100 5 497 Lett,S 10,091.45 22.00% 356.95 06/05/99 10,298.11
35 100 100 5 498 Allen,C 19,847.46 17.00% 500.60 01/30/00 20,001.07
35 100 100 5 499 Henshaw,J 14,829.42 18.50% 388.65 11/10/99 15,028.68
35 100 100 5 500 Bryant,D 10,048.43 25.00% 355.43 09/28/00 10,719.57
35 100 100 5 501 Spivey,M 8,317.39 18.50% 256.84 03/25/00 8,599.95
35 100 100 5 502 Pratt,B 8,706.09 22.00% 314.98 09/26/99 9,170.24
35 100 100 5 503 Waters,K 12,346.43 18.50% 325.98 04/12/99 12,701.00
35 100 100 5 509 Sheffield,M 11,020.50 18.50% 340.71 09/16/99 11,496.46
35 100 100 5 510 Jackson,B 8,943.63 18.50% 276.68 11/06/99 9,335.64
35 100 100 5 511 Spires,D 17,456.22 17.00% 447.74 02/24/99 18,015.82
56
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 5 512 Highsmith,P 12,763.28 18.50% 358.01 09/17/99 13,057.30
35 100 100 5 513 Kalinke,F 14,050.28 18.50% 349.96 03/16/01 14,086.11 B
35 100 100 5 515 Hutchinson,R 10,368.19 18.50% 295.38 07/10/99 10,772.90
35 100 100 5 516 Bray,A 7,757.95 22.00% 279.44 08/27/99 8,135.73
35 100 100 5 517 Watts,C 8,736.32 18.50% 265.98 05/22/99 8,974.90
35 100 100 5 518 Allen,A 10,625.83 17.00% 265.42 08/30/99 10,679.64
35 100 100 5 520 Parham,K 7,519.03 22.00% 264.96 07/04/99 7,714.10
35 100 100 5 522 Daniels,S 15,459.79 17.00% 357.04 10/02/99 15,600.00 B
35 100 100 5 523 Garrett,B 12,586.61 18.50% 375.90 02/18/99 12,586.61
35 100 100 5 524 Swain,E 5,268.44 18.50% 160.00 07/08/99 5,358.04
35 100 100 5 525 Brinson,J 13,140.98 18.50% 368.83 09/19/01 13,396.88
35 100 100 5 526 Polen,S 8,988.00 22.00% 316.60 08/15/99 9,161.29
35 100 100 5 527 Sams,C 9,111.12 18.50% 259.87 12/30/99 9,477.76
35 100 100 5 528 Westberry,J 20,604.46 17.00% 480.08 02/26/00 20,800.00 B
35 100 100 5 532 Mason,T 25,904.00 18.50% 709.69 10/13/99 26,444.00 B
35 100 100 5 535 Thompson,M 9,848.46 18.50% 278.98 12/26/99 10,096.95
35 100 100 5 537 Matavao,K 8,254.94 18.50% 246.53 02/18/99 8,254.94
35 100 100 5 538 Davis,J 15,662.67 17.00% 362.06 05/25/98 15,800.00 B
35 100 100 5 539 Knight,C 5,519.70 25.00% 238.56 01/19/00 6,000.00
35 100 100 5 541 Horry,V 7,940.76 22.00% 284.34 10/20/99 8,278.18
35 100 100 5 543 Sims,C 12,599.16 18.50% 325.90 01/02/00 12,697.48
35 100 100 5 544 Robins,L 11,948.06 18.50% 363.35 09/25/99 12,260.00
35 100 100 5 545 Weeks,R 14,543.98 22.00% 410.96 08/27/99 14,745.19
35 100 100 5 547 Tharaldson,B 9,261.22 18.50% 264.23 10/10/99 9,636.94
35 100 100 5 549 Garrett,A 10,264.89 25.00% 308.63 11/04/99 10,515.00
35 100 100 5 550 Green,K 9,940.32 18.50% 258.09 01/10/99 10,055.64
35 100 100 5 556 Trowell,M 2,563.79 28.00% 150.00 01/11/99 2,734.64
35 100 100 5 557 Brantley,K 9,142.81 18.50% 232.65 07/26/00 9,311.94 B
35 100 100 5 558 Smith,A 13,011.09 18.50% 355.88 10/28/99 13,159.89 B
35 100 100 5 560 Crawford,O 12,627.44 18.50% 379.35 09/29/98 12,800.00
35 100 100 5 561 Shinall,D 10,219.54 18.50% 263.21 06/21/99 10,415.01 B
35 100 100 5 564 Gaines,F 11,411.40 18.50% 319.62 10/01/99 11,656.94
35 100 100 5 566 Williams,L 10,131.45 18.50% 308.78 02/08/98 10,392.00
35 100 100 5 568 Kelly,R 9,003.98 18.50% 273.05 12/14/99 9,166.20
35 100 100 5 569 Baldridge,D 8,727.25 22.00% 282.84 09/29/99 8,939.00
35 100 100 5 570 Lebleu,D 5,699.35 25.00% 226.76 04/10/00 5,699.35
35 100 100 5 574 Blige,F 7,510.02 22.00% 240.04 08/15/99 7,618.75
35 100 100 5 575 Sanders,R 10,564.19 18.50% 296.04 01/23/99 10,797.02
35 100 100 5 576 Clark,S 7,974.55 18.50% 242.93 02/04/99 8,196.84
35 100 100 5 577 Putnam,J 11,408.49 18.50% 348.13 12/18/99 11,656.54
35 100 100 5 578 Everett,E 9,799.64 18.50% 271.46 03/05/99 9,900.49
35 100 100 5 582 Hoffman,V 7,551.92 22.00% 266.40 04/18/00 7,755.75
35 100 100 5 588 Moellenberndt,P 13,354.75 18.50% 350.00 02/18/99 13,574.02
35 100 100 5 589 Hill,F 16,300.40 17.00% 382.00 02/28/99 16,512.44 B
35 100 100 5 591 Whitaker,P 19,566.75 17.00% 496.08 04/12/99 19,820.48
35 100 100 5 593 Selph,F 13,303.88 18.50% 348.65 08/02/01 13,584.00
35 100 100 5 595 Henry,D 7,700.60 25.00% 318.06 10/06/99 7,999.60
35 100 100 5 598 Waldburg,T 10,689.89 18.50% 294.31 04/18/99 10,733.94
35 100 100 5 599 Wilson,J 11,763.84 18.50% 307.92 10/12/99 11,997.45
35 100 100 5 600 Harrison,S 8,589.13 22.00% 276.64 10/06/99 8,775.18
35 100 100 5 601 Mcleod,L 14,259.39 17.00% 367.91 02/16/99 14,700.00
57
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 5 602 Bentley,J 10,834.92 18.50% 329.12 11/27/99 11,105.04
35 100 100 5 603 Harrelson,J 8,856.21 18.50% 248.78 01/26/99 9,004.12
35 100 100 5 605 Troy,T 11,013.08 22.00% 390.66 05/21/99 11,373.45
35 100 100 5 606 Tornone,V 8,366.40 18.50% 254.54 09/22/99 8,522.85
35 100 100 5 607 Hobbs,P 9,970.72 18.50% 279.28 03/27/99 10,185.88
35 100 100 5 611 Williams,H 8,157.47 22.00% 268.10 12/26/98 8,509.44
35 100 100 5 612 Ray,M 9,330.26 18.50% 283.74 02/19/00 9,574.08
35 100 100 5 613 Scott,E 16,369.88 18.50% 467.50 05/28/99 16,934.31 B
35 100 100 5 614 Pereir,L 15,028.28 18.50% 388.69 09/10/98 15,028.28
35 100 100 5 616 Burns,R 13,333.97 18.50% 349.49 06/29/99 13,512.70
35 100 100 5 617 Kemp,K 8,884.50 22.00% 281.79 09/20/99 8,884.50
35 100 100 5 619 Ivory,D 15,847.82 17.00% 370.41 05/27/00 16,132.95 B
35 100 100 5 620 Porter,M 9,768.70 18.50% 252.21 01/27/99 9,826.67
35 100 100 5 621 Meyer,C 13,581.52 22.00% 445.00 02/15/99 14,124.36
35 100 100 5 623 Williams,T 14,468.48 18.50% 436.46 02/23/00 14,726.95
35 100 100 5 624 Wood,R 11,448.57 18.50% 321.86 04/13/00 11,678.97
35 100 100 5 625 Gantt,N 7,582.70 22.00% 260.45 02/03/99 7,582.70
35 100 100 5 626 Latimore,S 10,922.78 18.50% 299.74 04/25/99 10,932.04
35 100 100 5 630 Hayes,J 12,704.81 17.00% 318.35 09/10/99 12,721.00
35 100 100 5 633 Alamo,M 15,179.88 17.00% 353.59 08/15/99 15,407.11 B
35 100 100 5 634 Zona,M 7,909.89 22.00% 279.00 05/24/01 8,122.63
35 100 100 5 635 Dellamar,L 2,484.18 28.00% 144.08 02/07/99 2,624.99
35 100 100 5 637 Woods,K 17,629.53 18.50% 461.26 03/21/99 17,971.61
35 100 100 5 638 Wood,F 17,914.82 17.00% 450.00 09/04/99 17,979.62
35 100 100 5 639 Smith,M 3,436.22 25.00% 141.51 04/29/99 3,559.20
35 100 100 5 640 Hamilton,D 7,560.26 22.00% 260.62 07/26/99 7,587.64
35 100 100 5 641 Lever,C 7,382.59 18.50% 225.00 08/19/99 7,572.53
35 100 100 5 642 Haygood,J 12,565.99 18.50% 346.13 04/04/99 12,565.99
35 100 100 5 644 Marshall,A 7,278.90 22.00% 252.42 04/09/00 7,348.90
35 100 100 5 646 Mitchell,T 15,191.62 17.00% 350.00 05/30/99 15,405.09 B
35 100 100 5 648 Jones,V 9,196.84 18.50% 280.58 06/26/99 9,467.30
35 100 100 5 650 Jolley,F 10,546.30 18.50% 296.30 11/22/99 10,779.34
35 100 100 5 654 Prieto,K 15,074.78 22.00% 424.00 01/26/00 15,351.91
35 100 100 5 655 Hester,J 12,378.91 18.50% 342.57 06/18/01 12,493.94
35 100 100 5 656 Kinchen,A 4,234.97 25.00% 174.44 05/27/99 4,387.35
35 100 100 5 657 Miller,E 15,044.46 18.50% 395.15 09/17/99 15,277.87
35 100 100 5 659 Powell,M 3,702.79 28.00% 177.24 08/23/99 3,772.95
35 100 100 5 661 Maureen,W 17,627.77 18.50% 461.45 06/29/99 17,978.95
35 100 100 5 663 Peace,S 11,385.00 18.50% 313.58 07/02/99 11,385.00
35 100 100 5 664 Bailey,N 9,583.96 18.50% 265.35 06/25/99 9,677.64
35 100 100 5 667 Spivey,J 9,184.74 18.50% 263.51 06/21/99 9,610.70
35 100 100 5 669 Discioscia,M 8,616.28 25.00% 345.01 10/26/99 8,700.00
35 100 100 5 673 Givens,W 13,600.76 18.50% 375.98 05/15/99 13,712.64
35 100 100 5 674 Goss,D 15,531.99 17.00% 387.70 09/07/99 15,600.00
35 100 100 5 677 Bigby,C 14,282.77 17.00% 358.86 09/18/99 14,439.87
35 100 100 5 678 Rollins,J 10,552.32 18.50% 292.00 02/28/99 10,650.00
35 100 100 5 679 Roberts,S 7,293.58 25.00% 271.19 08/04/99 7,541.91
35 100 100 5 680 Daniels,C 14,029.94 18.50% 387.65 11/22/99 14,029.94
35 100 100 5 684 Stanley,L 6,374.64 22.00% 220.96 01/16/00 6,374.64
35 100 100 5 685 Wilson,J 7,277.60 18.50% 217.32 06/30/99 7,277.60
35 100 100 5 688 Benge,S 9,975.94 18.50% 275.63 02/23/99 9,975.94
58
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 5 689 Jackson,M 11,556.71 18.50% 347.52 07/07/01 11,725.94
35 100 100 5 692 Jusino,J 8,446.60 18.50% 257.84 01/07/00 8,700.03
35 100 100 5 693 Williams,R 11,355.21 18.50% 294.07 08/21/99 11,457.64
35 100 100 5 695 Coley,L 12,638.94 25.00% 503.94 07/10/99 12,657.40
35 100 100 5 697 Hall,J 13,710.57 17.00% 342.96 03/06/99 13,710.57
35 100 100 5 699 Robinson,S 12,180.00 22.00% 387.42 07/28/00 12,185.50
35 100 100 5 700 Bradley,R 12,625.85 18.50% 348.17 01/23/00 12,665.88
35 100 100 5 701 Allen,W 13,475.07 18.05% 349.99 06/15/99 13,768.08
35 100 100 5 702 Arrington,R 8,067.44 25.00% 325.90 01/04/00 8,196.85
35 100 100 5 703 Blake,A 11,660.56 18.50% 349.92 07/10/99 11,807.02
35 100 100 5 705 Ferguson,L 14,424.20 18.50% 373.60 10/25/99 14,446.34
35 100 100 5 708 Augustus,H 6,949.61 22.00% 242.06 04/17/99 7,047.25
35 100 100 5 709 Gallashaw,V 11,852.92 18.50% 306.02 12/28/99 11,923.26
35 100 100 5 710 Forkner,G 4,739.66 25.00% 191.75 11/20/99 4,772.94
35 100 100 5 711 Maner,D 18,133.00 18.50% 467.80 12/10/99 18,133.00
35 100 100 5 713 Gosseck,G 15,193.16 18.50% 397.83 08/26/01 15,500.00
35 100 100 5 714 Medlock,P 9,682.84 18.50% 286.97 01/21/00 9,682.84
35 100 100 5 717 Bell,D 15,197.58 22.00% 423.00 07/12/00 15,315.94
35 100 100 5 719 Myrick,J 8,761.07 25.00% 351.91 04/02/99 8,761.07
35 100 100 5 721 Huges,D 5,641.39 25.00% 227.00 07/22/99 5,651.62
35 100 100 5 722 Godin,C 11,448.38 18.50% 343.38 04/26/99 11,586.23
35 100 100 5 724 Piggott,C 11,646.44 18.50% 299.19 11/10/99 11,656.94
35 100 100 5 725 Seymour,C 10,478.97 22.00% 366.11 04/15/99 10,658.78
35 100 100 5 726 Bryant,L 9,923.20 18.50% 275.02 11/15/99 10,030.46
35 100 100 5 727 Glover,S 10,024.38 18.50% 299.31 11/06/99 10,073.51
35 100 100 5 730 Lee,E 8,487.02 18.50% 234.97 11/17/99 8,570.00
35 100 100 5 732 Malone,K 4,397.34 25.00% 242.84 01/25/00 4,549.97
35 100 100 5 733 Brown,E 7,084.85 18.50% 221.66 04/15/99 7,479.14
35 100 100 5 734 McBride,W 7,860.99 22.00% 250.05 05/02/99 7,864.55
35 100 100 5 737 Herb,K 20,095.70 18.50% 531.29 03/30/00 20,700.00
35 100 100 5 738 Lowe,A 11,884.37 18.50% 300.28 10/12/99 11,912.94 B
35 100 100 5 739 Hendricks,K 12,177.80 18.50% 335.28 03/13/00 12,227.99
35 100 100 5 740 Thayer,T 8,346.12 18.50% 250.00 02/04/00 8,371.25
35 100 100 5 741 Brannon,B 9,038.44 22.00% 316.19 04/30/99 9,172.20
35 100 100 5 742 Laub,R 15,840.93 18.50% 419.83 03/22/99 16,357.54
35 100 100 5 743 Eaton,B 6,646.33 22.00% 230.51 07/17/01 6,711.00
35 100 100 5 745 Trayer,T 16,000.00 22.00% 445.95 08/05/99 16,000.00
35 100 100 5 746 Sulton,C 7,369.80 22.00% 256.69 09/27/99 7,473.34
35 100 100 5 748 Ficklin,A 9,631.99 18.50% 266.50 04/09/00 9,719.64
35 100 100 5 749 Lewis,W 7,443.03 22.00% 259.60 02/22/99 7,490.44
35 100 100 5 750 Hartley,S 11,580.60 18.50% 320.79 07/17/00 11,699.77
35 100 100 5 754 McNeal,G 13,466.00 18.50% 369.22 02/05/99 13,466.00
35 100 100 5 759 Badger,J 13,480.70 19.00% 375.04 01/23/00 13,545.50
35 100 100 5 760 Pochel,R 13,842.81 18.50% 385.26 04/04/00 14,015.50
35 100 100 5 762 Torres,P 9,680.01 18.50% 287.98 06/21/99 9,716.82
35 100 100 5 763 Alexander,S 6,729.17 25.00% 271.90 04/05/99 6,769.25
35 100 100 5 764 Strickland,B 18,192.32 18.50% 472.67 05/03/99 18,275.49
35 100 100 5 767 Lee,O 29,250.64 18.50% 756.46 06/15/99 29,250.64
35 100 100 5 770 Spurlock,W 4,889.90 25.00% 226.92 07/11/01 4,973.74
35 100 100 5 771 Washington,L 11,432.94 22.00% 392.70 01/19/00 11,432.94
35 100 100 5 772 Johnson,C 10,467.79 22.00% 331.25 12/10/99 10,513.87
59
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 5 773 Phillips,W 14,021.55 18.50% 387.91 01/12/00 14,039.44
35 100 100 5 774 Slaughter,W 16,439.07 18.50% 425.13 04/07/00 16,439.07
35 100 100 5 778 Hawkins,T 28,215.84 18.50% 783.61 09/26/99 28,579.38
35 100 100 5 780 Griggs,M 11,379.11 18.50% 350.00 02/13/99 11,809.76
35 100 100 5 781 Harvey,S 9,945.14 18.50% 299.99 07/06/99 10,122.01
35 100 100 5 785 Spatcher,V 8,309.46 22.00% 264.25 06/24/99 8,387.41
35 100 100 5 788 Lee,I 12,894.10 18.50% 357.54 12/28/99 13,040.14
35 100 100 5 790 Nesmith,T 11,558.74 18.50% 299.04 01/22/00 11,639.50
35 100 100 5 791 Fisher,R 11,530.17 25.00% 562.16 01/25/00 12,447.40
35 100 100 5 792 Heath,C 10,305.46 18.50% 311.17 01/19/99 10,499.56
35 100 100 5 794 Ford,J 8,240.94 22.00% 285.65 07/07/99 8,240.94
35 100 100 5 795 Duncan,K 9,803.27 22.00% 309.42 04/10/99 9,803.27
35 100 100 5 796 Bowman,D 13,516.48 18.50% 348.98 06/09/99 13,596.70
35 100 100 5 799 Strickland,S 12,320.88 18.50% 318.66 12/06/99 12,320.88
35 100 100 5 800 Upshaw,C 10,148.24 18.50% 284.86 06/21/99 10,320.43
35 100 100 5 802 Woods,K 9,334.04 22.00% 296.77 07/04/99 9,334.04
35 100 100 5 805 Brisbin,C 12,487.95 18.50% 375.33 10/04/99 12,664.30
35 100 100 5 806 Hobbs,M 8,670.41 22.00% 275.54 06/24/99 8,745.64
35 100 100 5 808 Deverow,J 7,996.94 25.00% 287.56 01/03/00 7,996.94
35 100 100 5 809 McNeil,L 11,344.38 17.00% 283.93 02/01/00 11,344.38
35 100 100 5 811 Marshall,R 10,209.46 18.50% 282.08 06/14/99 10,209.46
35 100 100 5 812 Traquair,J 14,267.82 18.50% 395.12 02/08/99 14,300.53
35 100 100 5 815 Winston,E 13,009.12 18.50% 360.00 06/21/99 13,129.56
35 100 100 5 816 Brown,L 10,226.71 19.00% 267.77 04/09/00 10,322.54
35 100 100 5 817 Williams,D 8,042.66 22.00% 255.68 02/05/99 8,042.66
35 100 100 5 818 Myers,B 10,963.15 25.00% 394.22 01/23/00 10,963.15
35 100 100 5 819 Banach,W 10,308.51 22.00% 327.76 01/19/00 10,308.51
35 100 100 5 820 Maduro,J 16,237.28 18.50% 448.41 05/14/99 16,354.13
35 100 100 5 822 Marshall,W 11,325.02 18.50% 349.63 04/29/99 11,797.07
35 100 100 5 823 Lea,J 7,306.00 22.00% 252.60 06/30/00 7,306.00
35 100 100 5 825 Carter,J 13,427.53 18.50% 348.11 08/12/99 13,542.16
35 100 100 5 826 Hunter,M 5,557.44 22.00% 190.89 08/13/99 5,557.44
35 100 100 5 828 Gadson,A 9,972.44 18.50% 273.43 01/09/99 9,972.44
35 100 100 5 829 Scriber,R 14,879.63 17.00% 400.64 12/05/99 15,021.41
35 100 100 5 832 Jenkins,B 9,107.63 18.50% 269.92 11/25/99 9,107.63
35 100 100 5 833 Burke,P 13,351.82 18.50% 368.91 02/19/00 13,351.82
35 100 100 5 836 Smith,C 3,815.94 25.00% 172.34 08/06/98 3,815.94
35 100 100 5 837 Glover,P 5,301.08 25.00% 244.77 10/23/99 5,419.64
35 100 100 5 840 Powell,K 6,637.00 22.00% 230.06 03/01/99 6,637.00
35 100 100 5 841 Roberts,M 9,899.20 18.50% 293.38 11/15/99 9,899.20
35 100 100 5 842 Witcher,G 10,256.74 22.00% 358.79 01/28/00 10,445.54
35 100 100 5 843 Mayo,S 10,807.20 18.50% 298.57 01/26/00 10,807.20
35 100 100 5 851 Hunter,R 7,650.94 18.50% 226.75 03/22/99 7,650.94
35 100 100 5 852 Moss,J 10,874.66 18.50% 309.91 01/05/00 11,216.44
35 100 100 5 853 Landry,D 11,984.64 18.50% 308.39 01/25/00 11,984.64
35 100 100 5 855 Barber,M 11,715.94 18.50% 323.96 04/12/99 11,724.94
35 100 100 5 856 Harper,G 7,652.37 18.50% 226.79 07/24/01 7,652.37
35 100 100 5 857 Music,D 9,982.03 18.50% 276.93 04/05/99 10,100.27
35 100 100 5 860 Madden,W 6,855.00 25.00% 309.59 09/18/99 6,855.00
35 100 100 5 861 Thimas,D 12,456.62 18.95% 325.30 10/20/99 12,456.62
35 100 100 5 862 Messex,R 8,357.68 18.50% 229.16 04/08/00 8,357.68
60
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 5 865 Thomasson,R 13,901.64 18.50% 356.80 02/12/00 13,901.64
35 100 100 5 866 Santiago,E 10,592.96 18.50% 273.83 11/21/99 10,592.96
35 100 100 5 867 Mercier,B 11,567.64 18.50% 317.17 02/05/00 11,567.64
35 100 100 5 869 Giddens,J 8,896.00 18.50% 263.65 01/01/00 8,896.00
35 100 100 5 871 Talington,J 8,707.54 18.50% 261.84 09/17/99 8,835.04
35 100 100 5 872 Baldwin,V 13,914.13 18.50% 357.12 03/05/00 13,914.13
35 100 100 5 874 Hallisey,P 11,509.44 18.50% 297.68 03/13/00 11,509.44
35 100 100 5 875 Whitfield,D 9,860.04 17.00% 245.04 02/06/00 9,860.04
35 100 100 5 876 Hewlett,C 13,717.89 17.00% 340.92 02/08/00 13,717.89
35 100 100 5 877 Medlin,M 10,811.97 18.50% 325.88 04/04/00 10,951.05
35 100 100 5 878 Bateman,L 14,786.87 18.50% 379.52 03/26/00 14,786.87
35 100 100 5 879 Perkovich,L 17,006.96 18.50% 469.14 02/01/99 17,006.96
35 100 100 5 880 Daniels,T 18,852.70 18.50% 487.61 03/16/00 18,852.70
35 100 100 5 881 Jones,J 6,887.94 22.00% 236.59 12/08/99 6,887.94
35 100 100 5 883 Grant,L 9,991.05 18.50% 296.71 10/03/99 9,991.05
35 100 100 5 884 Herbert,J 16,508.08 18.50% 426.92 08/19/99 16,508.08
35 100 100 5 885 Gomer,A 9,785.00 18.50% 268.29 05/27/99 9,785.00
35 100 100 5 886 Brooks,W 14,800.42 18.50% 384.08 07/12/99 14,964.55
35 100 100 5 887 Dyer,G 13,717.55 18.50% 380.37 08/05/99 13,872.92
35 100 100 5 888 Hill,S 21,130.00 17.00% 525.13 03/27/00 21,130.00
35 100 100 5 889 Williams,R 6,872.69 25.00% 310.39 04/11/00 6,872.69
35 100 100 5 890 Chaney,M 22,063.04 17.00% 551.89 06/21/99 22,063.04
35 100 100 5 891 Fitzpatrick,R 6,672.95 25.00% 284.93 03/09/00 7,166.23
35 100 100 5 894 Holmes,C 9,167.76 22.00% 314.90 09/24/99 9,167.76
35 100 100 5 897 Schwartz,D 13,534.67 17.00% 347.92 03/21/00 13,900.94
35 100 100 5 898 Frost,J 10,010.99 18.50% 298.80 02/28/00 10,010.99
35 100 100 5 899 Attaway,B 9,276.33 22.00% 318.63 07/13/99 9,276.33
35 100 100 5 900 Coverson,S 14,392.64 18.50% 397.66 09/19/01 14,392.64
35 100 100 5 901 Shelley,B 16,610.94 22.00% 523.34 02/29/00 16,610.94
35 100 100 5 902 Dunn,T 9,916.88 18.50% 273.97 04/02/00 9,916.88
35 100 100 5 904 Sander,K 7,506.00 25.00% 298.43 01/16/00 7,506.00
35 100 100 5 906 Miles,A 9,091.15 18.50% 269.43 03/20/00 9,091.15
35 100 100 5 908 Ward,J 13,288.63 22.00% 437.28 07/11/01 13,879.35
35 100 100 5 909 Glover,R 11,214.22 17.00% 329.57 09/28/99 11,421.44
35 100 100 5 910 McGarah,H 8,700.70 25.00% 312.86 10/09/99 8,700.70
35 100 100 5 911 Tanner,A 5,451.19 25.00% 246.19 09/13/99 5,451.19
35 100 100 5 912 Cannon,J 6,643.20 25.00% 264.13 07/18/99 6,643.20
35 100 100 5 913 Miller,L 17,466.00 18.50% 448.29 05/05/99 17,466.00
35 100 100 5 914 Stefanski,M 13,894.88 18.50% 383.87 06/27/99 13,894.88
35 100 100 5 915 Graham,W 11,458.60 17.00% 284.77 03/14/00 11,458.60
35 100 100 5 916 Cannon,M 7,948.94 18.50% 235.58 02/15/00 7,948.94
35 100 100 5 917 Gunn,L 5,798.00 25.00% 208.49 01/31/00 5,798.00
35 100 100 5 918 Rowell,G 13,483.04 17.00% 337.30 01/11/00 13,483.04
35 100 100 5 919 Wison,G 11,020.48 22.00% 347.21 01/23/00 11,020.48
35 100 100 5 920 Ellison,V 14,050.00 18.50% 385.23 10/17/99 14,050.00
35 100 100 5 921 McKerson,D 13,042.45 17.00% 326.43 01/29/00 13,042.45
35 100 100 5 922 Rosa,V 16,512.45 17.00% 413.28 01/28/00 16,512.45
35 100 100 5 923 Person,M 8,293.14 25.00% 274.98 09/13/01 8,293.14
35 100 100 5 924 Brinson,M 9,565.94 18.50% 283.50 07/08/99 9,565.94
35 100 100 5 926 Clark,R 17,498.65 17.00% 437.95 02/06/00 17,498.65
35 100 100 5 927 Coffee,L 10,852.04 17.00% 269.70 02/17/99 10,852.04
61
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 5 928 Pryor,R 10,057.01 22.00% 316.86 04/03/99 10,057.01
35 100 100 5 929 Denmark,N 12,617.64 18.50% 345.96 07/12/01 12,617.64
35 100 100 5 930 Thompson,M 13,673.40 18.50% 356.67 06/25/99 13,840.67
35 100 100 5 931 Taylor,E 10,153.00 18.50% 279.24 02/07/99 10,153.00
35 100 100 5 933 Woodson,M 13,561.14 17.00% 339.41 09/13/01 13,561.14
35 100 100 5 934 Jackson,T 10,928.28 25.00% 443.64 11/17/99 11,157.94
35 100 100 5 935 Harris,W 11,787.61 18.50% 304.87 01/26/99 11,787.61
35 100 100 5 936 George,A 5,302.44 28.00% 294.21 06/13/99 5,302.44
35 100 100 5 940 Beasley,R 14,068.99 17.00% 375.77 12/28/98 14,068.99
35 100 100 5 943 Herrin,D 16,571.06 18.50% 454.35 07/26/99 16,571.06
35 100 100 5 945 Conway,S 15,117.38 17.00% 378.15 08/12/99 15,117.38
35 100 100 5 946 Williams,H 12,160.89 17.00% 302.23 07/26/99 12,160.89
35 100 100 5 950 Brown,D 15,117.50 25.00% 446.80 06/08/99 15,117.50
35 100 100 5 951 Taylor,A 7,978.59 18.50% 242.54 06/30/99 8,183.80
35 100 100 5 952 Freeman,C 15,068.66 17.00% 374.50 07/23/99 15,068.66
35 100 100 5 953 Mack,S 6,753.94 25.00% 245.39 03/25/99 6,753.94
35 100 100 5 954 Wright,B 6,906.00 22.00% 237.21 07/05/99 6,906.00
35 100 100 5 956 Minner,D 14,294.64 17.00% 357.77 12/25/98 14,294.64
35 100 100 5 957 Pizzano,C 7,008.92 25.00% 281.51 08/13/99 7,008.92
35 100 100 5 958 Deloach,S 10,338.16 18.50% 290.59 04/06/99 10,598.50
35 100 100 5 961 Lewis,J 18,803.08 17.00% 467.30 01/25/99 18,803.08
35 100 100 5 970 Sanford,D 10,459.80 18.50% 289.00 12/20/98 10,459.80
35 100 100 5 972 Trauth,J 7,856.63 22.00% 269.86 08/13/98 7,856.63
35 100 100 5 973 Broomfield,B 8,100.80 18.50% 244.73 09/18/99 8,257.64
35 100 100 5 975 Worth,R 9,639.34 18.50% 287.88 01/23/99 9,639.34
35 100 100 5 976 Pledger,E 14,278.81 18.50% 397.57 07/15/99 14,500.00
35 100 100 5 977 Harris,A 6,280.49 25.00% 283.65 11/20/98 6,280.49
35 100 100 5 978 Algar,R 11,460.82 18.50% 316.34 08/14/99 11,460.82
35 100 100 5 979 Dewberry,R 9,049.32 18.50% 250.00 12/06/98 9,049.32
35 100 100 5 980 Corey,D 11,132.50 18.50% 329.93 11/29/98 11,132.50
35 100 100 5 982 Hayes,P 11,375.80 18.50% 314.31 08/30/99 11,375.80
35 100 100 5 983 Benjamin,A 9,398.00 18.50% 280.21 08/25/99 9,398.00
35 100 100 5 985 Ladd,T 10,722.45 18.50% 294.00 05/16/99 10,722.45
35 100 100 5 986 Campbell,G 11,986.48 17.00% 300.00 06/27/99 11,986.48
35 100 100 5 988 McCall,L 13,770.42 18.50% 414.73 06/28/01 13,993.65
35 100 100 5 989 Wahba,M 17,069.23 18.50% 471.62 07/21/99 17,069.23
35 100 100 5 990 Moss,E 6,420.94 22.00% 220.55 01/28/99 6,420.94
35 100 100 5 991 Richard,M 16,990.24 17.00% 425.00 01/04/99 16,990.24
35 100 100 5 992 Flores,J 7,359.77 25.00% 335.85 08/20/98 7,359.77
35 100 100 5 995 Ross,M 9,881.64 18.50% 270.94 06/21/99 9,881.64
35 100 100 5 996 Heavilin,J 7,676.24 22.00% 241.85 08/20/99 7,676.24
35 100 100 5 998 Hendricks,H 8,444.56 18.50% 232.82 06/19/99 8,444.56
35 100 100 5 1000 Davis,B 15,942.04 17.00% 399.01 03/20/99 15,942.04
35 100 100 5 1001 Sturgis,B 7,804.94 18.50% 214.00 03/19/99 7,804.94
35 100 100 5 1002 Weiss,J 9,051.00 18.50% 268.24 11/30/98 9,051.00
35 100 100 5 1003 Walker,E 6,186.00 25.00% 248.12 07/28/99 6,186.00
35 100 100 5 1005 Ballard,A 7,142.00 22.00% 225.02 06/02/99 7,142.00
35 100 100 5 1008 Gacitua,L 10,093.44 25.00% 362.94 12/24/98 10,093.44
35 100 100 5 1009 Render,T 13,077.68 18.50% 361.11 05/30/99 13,077.68
35 100 100 5 1011 Talco,J 5,477.88 22.00% 189.85 07/17/99 5,477.88
35 100 100 5 1012 Taylor,R 11,607.83 18.50% 297.93 07/25/99 11,607.83
62
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 5 1014 Fann,H 7,629.94 22.00% 262.08 04/22/99 7,629.94
35 100 100 5 1015 Woodrum,W 14,765.00 18.50% 440.25 11/02/98 14,765.00
35 100 100 5 1018 Allen,C 12,399.70 22.00% 390.67 12/22/98 12,399.70
35 100 100 5 1019 Henderson,T 15,830.00 18.17% 436.71 10/23/98 15,830.00
35 100 100 5 1023 Anglin,A 15,979.50 18.50% 410.13 04/01/99 15,979.50
35 100 100 5 1026 Jackson,R 17,420.73 17.00% 436.00 07/07/98 17,420.73
35 100 100 5 1027 Robinson,A 6,953.94 18.50% 190.67 01/24/99 6,953.94
35 100 100 5 1028 McCloud,P 9,745.00 25.00% 350.41 04/09/99 9,745.00
35 100 100 5 1029 Abney,M 15,093.45 18.50% 447.78 10/19/99 15,093.45
35 100 100 5 1031 Willis,D 7,278.44 18.50% 215.71 06/02/99 7,278.44
35 100 100 5 1033 Booher,S 17,302.10 17.00% 430.20 09/07/99 17,302.10
35 100 100 5 1034 Nesmith,E 13,620.00 18.50% 349.57 11/09/98 13,620.00
35 100 100 5 1805 Boreman,T 14,958.22 22.00% 593.77 09/01/99 17,286.88
35 100 100 5 1808 Mithchell,D 6,651.92 18.50% 223.67 10/03/01 7,490.20
35 100 100 5 1817 Monhof,C 3,965.03 25.00% 189.46 10/14/01 4,712.78
35 100 100 5 1818 Pennywell,D 8,798.97 18.50% 300.00 03/08/99 10,045.31
35 100 100 5 1820 Warren,H 6,716.54 25.00% 318.99 03/11/99 7,995.74
35 100 100 5 1822 Reedy,M 11,114.53 18.50% 338.39 08/02/98 12,242.33
35 100 100 5 1824 Simmons,J 7,358.20 25.00% 399.94 10/03/99 8,765.45
35 100 100 5 1828 Anderson,W 13,446.49 18.50% 407.14 10/06/98 14,848.75
35 100 100 5 1839 Snow,F 10,939.38 18.50% 334.39 05/01/99 12,171.00 B
35 100 100 5 1841 Abbott,D 11,783.56 18.50% 352.66 05/16/99 12,765.03
35 100 100 5 1857 Knight,S 5,516.69 25.00% 259.94 02/09/99 6,537.73
35 100 100 5 1860 Holloway,H 5,685.13 22.00% 224.93 09/28/99 6,548.44
35 100 100 5 1861 Williams,D 13,303.77 18.50% 403.37 11/12/98 14,711.48
35 100 100 5 1862 Kuglat,K 7,196.95 22.00% 286.39 10/15/98 8,297.25
35 100 100 5 1863 McCoy,R 3,392.79 28.00% 198.24 09/13/99 4,243.00
35 100 100 5 1872 Caraglior,B 8,144.27 22.00% 316.90 04/03/98 9,142.50
35 100 100 5 1877 Curry,K 5,574.26 28.00% 500.00 10/24/98 9,004.40
35 100 100 5 1879 Beck,T 12,509.32 18.50% 376.89 06/12/99 13,642.20
35 100 100 5 1892 Kendrick,R 7,057.42 18.50% 231.46 04/29/99 7,809.94
35 100 100 5 1900 Mitchell,E 13,226.82 18.50% 360.12 09/05/98 14,317.50 B
35 100 100 5 1901 Cooper,M 15,563.22 18.50% 436.33 04/10/99 17,000.00
35 100 100 5 1905 Love,G 16,296.14 18.50% 496.84 09/16/99 18,120.60
35 100 100 5 1907 McCormick,R 10,683.33 22.00% 376.82 04/28/99 11,960.39
35 100 100 5 1909 Anderson,D 12,961.39 18.50% 425.89 04/24/99 14,262.02
35 100 100 5 1910 Hall,K 2,914.69 25.00% 160.00 01/09/99 3,542.72
35 100 100 5 1913 Reed,W 10,775.20 18.50% 355.77 04/12/99 11,914.03
35 100 100 5 1915 Cash,J 6,897.05 25.00% 332.47 08/16/99 8,315.95
35 100 100 5 1918 Carter,B 7,751.51 22.00% 268.43 09/21/99 8,463.94
35 100 100 5 1920 Roberts,P 7,235.98 22.00% 274.70 05/23/99 7,944.94
35 100 100 5 1921 Sprague,H 10,630.56 17.00% 292.93 06/08/99 11,703.80
35 100 100 5 1922 Curtis,C 9,805.12 18.50% 290.41 07/11/98 10,591.64
35 100 100 5 1924 Faison,L 10,287.77 18.50% 297.63 10/20/98 10,773.48
35 100 100 5 1926 Howard,L 10,880.59 18.50% 324.18 09/16/99 11,763.92
35 100 100 5 1927 Felts,J 10,506.52 18.50% 288.04 10/11/99 11,222.70
35 100 100 5 1928 Fergerson,D 7,735.38 22.00% 258.16 04/15/98 8,155.12
35 100 100 5 1935 Barney,R 5,600.50 25.00% 250.00 08/18/98 6,224.25
35 100 100 5 1941 Singletary,M 8,364.87 18.50% 274.86 09/20/98 9,274.30
35 100 100 5 1944 Riley,L 3,229.21 25.00% 181.14 04/02/99 4,010.69
35 100 100 5 1948 Heard,A 14,592.92 18.50% 485.94 08/11/99 16,297.46
63
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 5 1959 Darlington,R 9,902.18 18.50% 325.00 06/09/99 10,882.34
35 100 100 5 1961 Sloans,A 10,242.02 18.50% 284.19 06/06/99 11,062.36 B
35 100 100 5 1963 Brown,J 12,418.93 18.50% 373.85 09/06/98 13,530.67
35 100 100 5 1967 Brown,R 6,593.11 25.00% 348.07 03/17/99 7,633.94
35 100 100 5 1970 Altman,W 12,066.34 18.50% 335.20 05/01/99 13,000.00 B
35 100 100 5 1974 McMillan,P 8,426.16 22.00% 324.99 03/16/99 9,450.28
35 100 100 5 1981 Norris,D 6,614.81 25.00% 302.63 10/13/99 7,611.35
35 100 100 5 1984 Darrisaw,W 9,274.59 18.50% 249.87 06/16/99 9,667.04
35 100 100 5 1986 Sasser,N 6,164.12 22.00% 238.50 12/13/99 6,943.64
35 100 100 5 1988 Hutto,B 10,320.52 18.50% 340.96 09/17/99 11,417.98
35 100 100 5 1995 Conley,N 11,570.25 25.00% 481.22 04/11/00 13,382.64
35 100 100 5 1998 Brewton,S 11,571.12 22.00% 400.00 09/06/99 12,696.00
35 100 100 5 2001 Benjamin,B 6,202.31 25.00% 273.00 11/02/98 6,866.33
35 100 100 5 2005 Pugh,T 9,802.62 18.50% 274.11 05/21/99 10,525.00 B
35 100 100 5 2006 Hoffman,R 6,012.43 22.00% 209.07 05/18/99 6,636.08
35 100 100 5 2011 Walker,T 8,440.82 18.50% 250.75 11/13/98 9,076.40
35 100 100 5 2021 Williams,A 13,226.24 18.50% 396.55 03/28/99 14,462.90
35 100 100 5 2022 Lucas,M 11,285.30 18.50% 372.23 06/05/99 12,559.60
35 100 100 5 2024 Bonnett,R 6,384.53 25.00% 256.97 03/14/99 7,141.45
35 100 100 5 2031 Gandy,J 8,680.41 18.50% 279.96 01/09/99 9,379.94
35 100 100 5 2038 Jones,H 6,791.29 22.00% 253.34 06/07/99 7,375.64
35 100 100 5 2039 Tolbert,D 8,963.81 18.50% 262.66 05/17/99 9,579.64
35 100 100 5 2040 Climons,S 10,156.93 18.50% 296.66 05/02/99 10,736.88
35 100 100 5 2043 Bass,R 5,512.02 25.00% 224.40 12/18/98 6,240.70
35 100 100 5 2044 Webb,L 11,652.01 18.50% 384.21 04/25/99 12,864.75
35 100 100 5 2046 Davis,R 12,991.93 18.50% 429.20 04/29/99 14,482.00
35 100 100 5 2048 Story,E 4,861.28 25.00% 224.44 02/10/99 5,645.00
35 100 100 5 2049 Young,Y 8,413.88 18.50% 249.09 05/04/99 9,084.68
35 100 100 5 2054 Bolden,S 10,013.18 18.50% 321.81 04/05/99 10,858.70
35 100 100 5 2056 Watson,A 4,810.46 25.00% 263.46 06/12/99 5,833.66
35 100 100 5 2059 Stanfield,P 11,124.74 18.50% 328.36 07/15/99 11,975.88
35 100 100 6 294 Purvis,J 13,432.58 17.00% 348.19 11/22/98 13,913.22
35 100 100 6 608 Kneringer,T 19,048.79 17.00% 483.33 03/14/99 19,402.22
35 100 100 6 807 Cox,M 11,121.71 18.50% 334.99 05/20/99 11,217.90
35 100 100 6 892 Vann,D 12,188.55 18.50% 362.51 01/10/99 12,188.55
35 100 100 7 128 Long,J 13,248.61 17.00% 342.89 04/16/99 13,797.00
35 100 100 7 135 Carroll,T 19,190.31 17.00% 499.26 04/08/99 20,089.00
35 100 100 7 140 Breedlove,C 11,479.62 17.00% 298.47 09/25/98 12,009.89
35 100 100 7 211 Graham,B 22,714.81 17.00% 598.48 01/08/99 23,914.45
35 100 100 7 259 Yarbrough,C 13,049.80 18.50% 373.25 03/21/99 13,613.03
35 100 100 7 267 Jones,L 13,482.89 17.00% 321.46 07/09/99 13,964.94 B
35 100 100 7 341 Lord,J 17,181.87 17.00% 443.80 10/11/99 17,857.57
35 100 100 7 371 Willis,S 18,035.17 17.00% 475.00 02/22/99 19,113.04
35 100 100 7 389 Kelly,J 12,053.29 17.00% 307.87 09/14/98 12,301.95
35 100 100 7 392 Mcmaster,J 21,405.49 17.00% 548.96 11/02/99 22,088.85
35 100 100 7 415 Mason,L 11,845.40 17.00% 299.97 09/25/99 12,070.28
35 100 100 7 422 Dressel,D 16,977.26 18.50% 475.89 02/28/99 17,223.69
35 100 100 7 427 Snellgrove,P 9,285.64 22.00% 335.47 02/19/99 9,742.93
35 100 100 7 438 Wilson,E 15,660.82 17.00% 403.07 07/16/99 16,218.64
35 100 100 7 542 Bloxon,P 15,653.13 17.00% 401.71 07/22/99 16,163.95
35 100 100 7 590 Reily,J 16,712.52 17.00% 392.66 07/25/99 16,899.83 B
64
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 7 631 Creitz,D 16,314.77 17.00% 414.97 12/07/98 16,581.81
35 100 100 7 645 Aultman,K 12,997.92 17.00% 329.48 02/01/99 13,257.55
35 100 100 7 652 Cardoza,B 11,829.88 17.00% 299.60 03/16/99 12,055.16
35 100 100 7 704 Foushi,P 15,099.09 17.00% 377.90 01/08/99 15,099.09
35 100 100 7 752 Lofton,R 17,401.01 17.00% 407.22 07/02/99 17,466.56 B
35 100 100 7 766 Moore,C 11,876.08 17.00% 298.82 06/12/99 12,023.70
35 100 100 7 784 Boatright,A 21,499.13 17.00% 538.95 06/05/99 21,585.67
35 100 100 7 789 Roush,J 21,663.44 17.00% 543.54 02/04/99 21,870.83
35 100 100 7 798 Arnett,D 14,674.92 17.00% 370.00 10/15/98 14,783.28
35 100 100 7 844 Thompson,C 16,140.08 17.00% 401.12 04/02/99 16,140.08
35 100 100 7 939 Burnett,J 18,188.01 17.00% 452.01 01/03/99 18,188.01
35 100 100 7 959 Green,B 14,606.34 17.00% 364.37 08/17/98 14,606.34
35 100 100 7 1035 Carter,W 16,747.14 17.00% 419.11 06/30/99 16,747.14
35 100 100 7 1809 Smith,D 13,784.34 17.00% 346.76 08/16/98 14,881.00 B
35 100 100 7 1848 Tippins,S 16,495.27 17.00% 455.33 01/12/00 18,321.66
35 100 100 7 1881 Harrell,S 16,595.27 17.00% 443.18 01/16/99 17,750.00
35 100 100 7 2050 Clark,R 13,637.82 17.00% 367.73 08/15/98 14,796.58
35 100 100 8 4 Carroll,J 16,963.01 17.00% 449.06 07/02/99 18,069.00
35 100 100 8 7 Howard,T 11,167.91 18.50% 325.80 08/01/98 11,882.44
35 100 100 8 18 Moye,W 14,615.75 18.50% 471.03 06/29/99 15,773.90
35 100 100 8 21 Griffith,E 9,952.28 22.00% 375.00 01/03/99 10,917.60
35 100 100 8 30 Wilcox,G 15,230.76 18.50% 438.77 06/13/99 15,882.00
35 100 100 8 54 Grant,A 17,124.52 18.50% 545.28 03/17/99 18,398.73
35 100 100 8 65 Vanwinkle,J 10,437.01 18.50% 339.33 02/28/99 11,432.20
35 100 100 8 66 Wesley,J 11,969.56 18.50% 326.63 02/01/99 12,700.00
35 100 100 8 69 Benson,T 13,549.86 22.00% 464.87 09/18/99 14,728.00
35 100 100 8 86 Boyd,E 13,042.54 18.50% 420.99 12/29/98 14,204.90
35 100 100 8 88 Meeler,J 12,282.77 18.50% 334.79 03/16/99 13,044.20
35 100 100 8 92 Comfort,K 13,024.29 18.50% 422.50 12/27/98 14,256.00
35 100 100 8 103 Dodson,A 7,008.56 25.00% 304.22 02/13/99 7,574.18
35 100 100 8 106 Brookins,H 11,181.90 18.50% 329.96 09/08/98 12,033.94
35 100 100 8 123 Wright,P 8,947.60 22.00% 296.38 05/14/99 9,406.94
35 100 100 8 125 Ficklin,D 10,479.42 18.50% 308.94 01/19/98 11,267.64
35 100 100 8 132 Hamrick,F 10,238.84 25.00% 405.82 08/11/98 11,286.00
35 100 100 8 144 Evans,M 11,841.98 22.00% 396.97 07/26/98 12,599.64
35 100 100 8 184 Cartin,D 10,176.50 18.50% 324.23 03/30/99 10,940.00
35 100 100 8 208 Nesmith,T 8,170.81 22.00% 296.64 01/22/99 8,672.70
35 100 100 8 213 Heard,C 12,890.11 18.50% 400.46 09/26/98 13,512.11
35 100 100 8 251 Hanby,D 17,078.45 18.50% 485.98 03/19/99 17,724.45
35 100 100 8 254 Smith,F 8,139.11 25.00% 349.89 12/27/98 8,800.00
35 100 100 8 265 Carney,S 5,995.01 22.00% 228.89 07/16/99 6,663.96
35 100 100 8 273 Hegler,J 8,537.27 25.00% 414.80 07/30/98 9,139.99
35 100 100 8 283 Donovan,T 8,019.86 22.00% 293.90 07/23/99 8,556.45
35 100 100 8 299 Folsom,K 8,956.76 18.50% 257.59 08/06/99 9,410.70 B
35 100 100 8 309 Sikes,R 10,699.58 18.50% 308.95 01/27/99 11,182.94
35 100 100 8 310 Sykes,J 14,492.30 18.50% 451.43 04/10/98 15,232.04
35 100 100 8 323 Sheldon,C 10,666.18 18.50% 335.52 07/17/98 11,321.16
35 100 100 8 327 Cleveland,D 9,691.47 22.00% 353.05 07/03/99 10,278.70
35 100 100 8 333 Omaish,R 10,972.44 22.00% 399.97 07/23/01 11,587.99
35 100 100 8 338 Bibbins,W 8,240.48 25.00% 344.83 03/07/01 8,672.70
35 100 100 8 346 Little,A 10,571.52 18.50% 305.25 07/10/99 11,132.94
65
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 8 352 Cribbs,S 8,292.03 22.00% 275.69 10/07/99 8,750.38
35 100 100 8 359 Darnell,W 14,020.55 18.00% 366.63 06/15/98 14,337.63
35 100 100 8 377 Williams,J 6,515.22 25.00% 278.78 08/25/99 7,011.64
35 100 100 8 380 Erwin,H 7,445.41 25.00% 314.10 08/09/98 7,900.00
35 100 100 8 385 Reed,L 7,003.72 25.00% 260.79 09/06/99 7,252.77
35 100 100 8 393 Southerland,M 11,148.76 18.50% 351.37 09/07/98 11,855.94
35 100 100 8 400 Sherrill,D 11,790.81 18.50% 335.34 10/03/99 12,137.24
35 100 100 8 408 Kemptner,M 10,290.72 22.00% 367.10 01/18/99 10,687.57
35 100 100 8 443 Harrison,G 9,477.20 18.50% 248.29 10/12/99 9,599.80
35 100 100 8 445 Major,B 10,857.47 18.50% 287.54 07/29/99 11,203.22
35 100 100 8 459 Phillips,A 21,574.31 17.00% 509.39 08/21/99 22,169.54 B
35 100 100 8 460 Tanksley,T 10,778.38 18.50% 300.32 03/31/00 10,952.94
35 100 100 8 473 Saylor,D 13,037.66 18.50% 369.27 04/16/98 13,467.94
35 100 100 8 476 Henry,D 7,124.64 22.00% 257.97 04/17/99 7,510.67
35 100 100 8 483 Dale,G 14,791.75 18.50% 387.87 07/21/98 14,998.34
35 100 100 8 487 Moore,V 14,022.52 22.00% 398.91 02/27/99 14,400.00
35 100 100 8 495 Dickey,J 10,971.01 18.50% 312.12 09/02/98 11,366.00
35 100 100 8 496 Chambers,C 9,359.02 18.50% 289.64 02/01/99 9,773.00
35 100 100 8 507 Brown,W 14,790.84 22.00% 413.37 10/06/99 14,830.94
35 100 100 8 514 Wells,J 11,115.79 18.50% 312.25 09/11/99 11,489.60 B
35 100 100 8 529 McEachin,E 4,686.14 28.00% 234.70 01/26/98 5,023.50
35 100 100 8 530 Roebuck,F 7,603.16 28.00% 370.61 09/01/98 7,846.95
35 100 100 8 536 Sheffield,D 12,168.00 18.50% 336.15 09/22/99 12,304.94 B
35 100 100 8 540 Yonn,B 15,003.85 17.00% 380.23 01/15/98 15,191.95
35 100 100 8 551 Reid,E 11,098.28 18.50% 308.29 02/09/99 11,243.94
35 100 100 8 552 Morris,M 11,600.86 22.00% 369.63 02/26/99 11,731.99
35 100 100 8 554 Randle,M 15,299.54 18.50% 401.13 02/13/98 15,629.00
35 100 100 8 571 Washington,W 12,153.09 25.00% 360.00 09/18/99 12,180.63
35 100 100 8 585 Doherty,J 9,046.01 19.90% 282.49 07/12/98 9,229.20
35 100 100 8 586 Potts,T 10,438.29 22.00% 367.42 04/08/99 10,696.80
35 100 100 8 587 Mora,L 19,393.30 17.00% 495.00 07/05/99 19,796.67
35 100 100 8 604 Smith,D 9,017.13 22.00% 297.51 02/26/98 9,443.15
35 100 100 8 609 Ivey,R 8,420.10 18.50% 259.96 04/24/99 8,771.44
35 100 100 8 622 Resse,J 10,192.99 18.50% 279.48 09/18/98 10,192.99
35 100 100 8 666 Hutchinson,J 24,196.83 18.50% 633.45 02/21/98 24,680.67
35 100 100 8 671 Blount,J 13,007.83 18.50% 363.32 08/04/99 13,251.12
35 100 100 8 687 Kessner,P 7,198.23 22.00% 253.72 03/28/98 7,437.95
35 100 100 8 694 Swilley,Z 12,605.11 17.00% 317.37 09/26/97 12,680.34
35 100 100 8 698 Malone,J 11,488.65 22.00% 399.01 06/04/99 11,512.94
35 100 100 8 706 Markov,M 13,840.87 18.50% 357.17 03/04/99 13,915.91
35 100 100 8 712 McKenzie,R 9,921.70 18.50% 298.05 05/10/99 10,056.64
35 100 100 8 716 Odell,D 10,297.36 18.50% 285.54 08/05/98 10,414.00
35 100 100 8 744 Larry,D 12,044.94 19.00% 314.93 05/08/99 12,044.94
35 100 100 8 751 Garrett,J 16,247.61 22.00% 460.35 09/24/98 16,667.91
35 100 100 8 765 Hendrix,D 19,146.99 17.00% 479.83 08/22/99 19,171.60
35 100 100 8 804 Riley,C 10,553.50 22.00% 365.81 03/19/98 10,553.50
35 100 100 8 824 Haymans,E 10,888.24 18.50% 282.43 01/16/99 10,975.96
35 100 100 8 830 Flesher,M 16,247.23 18.50% 420.00 06/28/98 16,247.23
35 100 100 8 858 Kasim,M 14,759.64 17.00% 366.82 06/26/99 14,759.64
35 100 100 8 859 Wilkerson,D 10,691.57 18.50% 296.46 03/13/00 10,812.66
35 100 100 8 870 Grant,F 17,982.88 17.00% 450.03 03/05/99 17,982.88
66
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 100 100 8 925 Gladden,W 8,479.50 18.50% 232.50 08/26/01 8,479.50
35 100 100 8 941 Fennell,R 9,736.00 18.50% 266.95 02/20/99 9,736.00
35 100 100 8 942 Holland,B 13,284.31 19.50% 348.27 06/13/98 13,284.31
35 100 100 8 948 Saxon,R 12,433.50 18.50% 319.44 10/10/99 12,433.50
35 100 100 8 955 Lopez,W 14,561.27 18.50% 399.25 06/27/98 14,561.27
35 100 100 8 967 Ryals,T 4,200.00 25.00% 189.94 09/27/99 4,200.00
35 100 100 8 968 Crosby,T 7,277.70 25.00% 298.36 02/02/99 7,277.70
35 100 100 8 974 Dean,J 13,006.28 17.00% 325.57 06/26/99 13,100.00
35 100 100 8 987 Beaman,C 10,420.18 18.50% 311.16 07/14/98 10,420.18
35 100 100 8 994 Dubose,S 5,901.23 25.00% 269.29 07/29/98 5,901.23
35 100 100 8 1004 Woodaell,L 12,646.17 22.00% 349.27 05/20/98 12,646.17
35 100 100 8 1006 Green,L 10,690.94 18.50% 274.40 07/01/98 10,690.94
35 100 100 8 1010 Amory,R 6,848.90 25.00% 274.01 03/09/99 6,848.90
35 100 100 8 1016 Blanchard,M 13,798.37 18.50% 381.25 12/28/98 13,798.37
35 100 100 8 1032 Smith,W 7,799.48 22.00% 270.35 12/26/98 7,799.48
35 100 100 8 1816 Hart,R 9,201.19 18.50% 335.69 05/22/99 10,238.15
35 100 100 8 1947 Franklin,L 8,458.83 18.50% 250.66 07/25/98 9,141.94
35 100 100 8 1971 Balbag,D 12,197.70 18.50% 372.63 04/11/99 13,486.75
35 100 100 8 1977 Gordon,T 9,913.10 18.50% 298.34 01/12/99 10,797.64
35 100 100 8 2000 Niedzwiecki,C 10,135.52 18.50% 327.41 10/08/99 10,963.09
35 100 100 8 2016 Journey,F 16,429.94 17.00% 454.37 02/28/99 18,282.94
35 200 200 5 1 Tolonga,G 7,606.07 22.00% 269.46 08/31/99 7,845.00
35 200 200 5 2 Tyler,V 6,732.26 19.50% 178.97 07/19/98 6,826.50
35 200 200 5 4 Smith,E 10,886.58 22.00% 377.36 12/20/98 10,886.58
35 200 200 5 5 Thomas,D 14,572.31 22.00% 462.82 10/24/98 14,690.00
35 200 200 5 6 Foster,J 12,160.06 20.00% 345.26 09/20/98 12,230.56
35 200 200 5 8 Fiasco,L 4,847.66 25.00% 224.46 04/04/99 4,970.00
35 200 200 5 9 Simms,D 8,533.20 25.00% 346.16 04/09/99 8,706.43
35 200 200 5 12 McAlister,R 9,478.00 22.00% 325.55 11/10/98 9,478.00
35 200 200 5 13 Harris,S 7,576.50 22.00% 240.89 03/19/98 7,576.50
35 200 200 5 14 Brown,A 6,134.00 25.00% 243.89 04/20/98 6,134.00
35 200 200 5 15 Washington,C 6,435.50 25.00% 258.36 07/22/01 6,435.50
35 200 200 5 16 Fogle,M 6,313.00 23.45% 245.88 07/24/98 6,313.00
35 200 200 5 18 Fenwick,R 6,463.00 25.00% 256.97 08/08/98 6,463.00
35 200 200 5 19 Richardson,F 7,678.55 25.00% 305.29 04/24/99 7,678.55
35 200 200 5 20 Mackenzie,S 7,562.50 25.00% 300.68 06/24/99 7,562.50
35 200 200 5 21 Langsner,T 7,155.00 25.00% 284.48 08/04/99 7,155.00
35 200 200 5 22 Horrell,R 6,048.00 22.00% 209.51 02/25/98 6,048.00
35 200 200 5 23 Estaefel,D 10,260.71 25.00% 372.80 07/24/98 10,260.71
35 200 200 5 24 Busch,S 13,853.00 18.50% 355.55 10/10/99 13,853.00
35 200 200 5 26 Curtis,S 8,745.40 25.00% 347.72 10/07/98 8,745.40
35 200 200 8 11 Fields,K 8,117.50 24.63% 431.72 06/20/98 8,117.50
35 200 200 8 25 Brown,M 13,354.50 18.50% 342.81 01/04/99 13,354.50
35 330 330 5 4 Long,M 15,490.00 18.00% 420.57 06/23/99 15,490.00
35 400 400 1 67 Campbell,J 17,663.73 17.00% 447.94 02/02/99 17,897.00
35 400 400 1 68 Seigler,A 27,302.63 17.00% 684.22 04/15/98 27,337.50
35 400 400 2 76 Morris,V 13,739.00 17.00% 343.83 04/17/98 13,739.00
35 400 400 2 90 Vann,N 17,500.00 17.00% 437.95 01/30/99 17,500.00
35 400 400 2 93 Miller,W 15,978.28 17.00% 399.91 09/21/99 15,978.28
35 400 400 3 37 Carson,J 11,607.81 17.00% 299.59 07/24/99 12,055.00
35 400 400 3 62 Carver,M 10,691.00 17.00% 268.53 05/03/98 10,805.00
67
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 400 400 4 81 Nix,G 17,982.00 17.00% 450.02 01/07/99 17,982.00
35 400 400 4 82 Davis,R 16,841.00 18.50% 435.58 11/25/98 16,841.00
35 400 400 4 102 Athearn,H 16,309.42 18.50% 421.83 02/18/98 16,309.42
35 400 400 5 1 Elliott,S 6,884.74 17.00% 182.02 02/28/99 7,324.00
35 400 400 5 2 Allen,S 10,661.09 18.50% 320.00 01/19/99 11,670.88
35 400 400 5 3 Grimes,D 7,667.58 18.50% 225.00 10/13/99 8,206.20
35 400 400 5 4 Glover,E 5,808.89 22.00% 221.51 02/10/99 6,449.00
35 400 400 5 6 Houston,R 7,666.80 18.50% 249.18 02/16/99 8,408.00
35 400 400 5 7 Aubain,L 5,011.53 22.00% 190.00 03/19/99 5,531.72
35 400 400 5 9 Santiago,E 9,920.89 18.50% 286.51 06/26/99 10,449.74
35 400 400 5 10 Pontikakis,E 5,005.93 28.00% 322.61 08/02/99 5,875.00
35 400 400 5 12 Dawson,P 12,035.07 18.50% 350.00 03/13/99 12,765.29
35 400 400 5 14 DeLoach,T 15,691.94 18.50% 439.65 05/01/98 15,914.00
35 400 400 5 16 Smith,L 8,378.36 18.50% 240.00 10/20/99 8,686.26
35 400 400 5 19 Wise,F 11,248.49 18.50% 349.99 02/05/99 11,719.00
35 400 400 5 20 Freeman,C 7,467.42 18.50% 240.00 12/05/98 8,036.13
35 400 400 5 21 Gibbs,M 9,732.96 18.50% 287.97 10/16/98 10,503.00
35 400 400 5 22 Kneece,M 9,808.43 18.50% 309.00 06/01/99 10,346.50
35 400 400 5 23 Ward,S 13,358.71 18.50% 391.97 02/21/98 14,295.94
35 400 400 5 24 Kiel,T 7,935.45 25.00% 306.60 10/25/98 8,526.73
35 400 400 5 27 Sims,S 7,814.63 18.50% 250.00 03/12/99 8,435.49
35 400 400 5 29 Mason,D 10,634.73 18.50% 305.62 01/24/98 11,061.25
35 400 400 5 30 Holmes,W 16,082.47 18.50% 459.68 02/02/99 16,638.99
35 400 400 5 31 Ridges,D 12,650.39 22.00% 425.00 10/12/97 13,489.55
35 400 400 5 32 Shea,J 15,263.98 18.50% 438.39 01/08/99 15,989.00
35 400 400 5 33 Jackson,P 9,517.28 18.50% 298.80 04/20/99 10,005.00
35 400 400 5 34 Williams,B 16,076.47 18.50% 430.00 09/26/99 16,627.50
35 400 400 5 35 English,A 8,359.99 25.00% 359.99 08/07/98 9,054.28
35 400 400 5 36 Small,D 14,928.98 18.50% 424.99 02/10/98 15,500.00
35 400 400 5 38 White,D 4,174.75 28.00% 259.78 09/27/99 4,733.00
35 400 400 5 39 Thomas,F 10,442.06 18.50% 300.00 12/20/98 10,857.81
35 400 400 5 41 Gregory,H 7,724.21 22.00% 277.16 06/07/99 7,997.12
35 400 400 5 43 Eickhoff,P 11,200.55 22.00% 342.36 04/23/98 11,702.00 B
35 400 400 5 45 Stephens,A 8,428.18 18.50% 260.11 06/04/99 8,709.49
35 400 400 5 46 Moseley,R 6,380.48 25.00% 300.05 05/14/98 6,643.75
35 400 400 5 47 Blackman,B 10,852.72 25.00% 325.00 08/12/98 11,072.80
35 400 400 5 48 Clark,A 7,463.85 25.00% 281.69 08/04/99 7,834.00
35 400 400 5 50 McIntosh,C 5,470.48 25.00% 225.16 09/10/99 5,663.03
35 400 400 5 51 McGuire,C 9,367.32 25.00% 384.83 05/07/99 9,679.00
35 400 400 5 52 Aiken,W 21,027.19 18.50% 589.39 06/12/98 21,334.00
35 400 400 5 55 Cooxum,E 10,438.26 22.00% 335.99 01/16/98 10,664.50
35 400 400 5 56 Sebastian,R 9,575.56 18.50% 300.00 08/06/98 10,122.75
35 400 400 5 57 Jones,S 10,239.34 22.00% 325.00 02/18/00 10,315.64
35 400 400 5 58 Thurmond,J 16,213.08 18.50% 419.97 12/20/98 16,238.00
35 400 400 5 59 Freeland,K 5,436.48 25.00% 220.30 01/29/98 5,484.00
35 400 400 5 61 Carpenter,W 10,462.19 22.00% 315.00 02/02/99 10,740.17
35 400 400 5 63 Porter,K 8,284.11 25.00% 299.42 07/19/98 8,326.88
35 400 400 5 70 Berry,K 9,625.39 18.50% 267.21 01/29/99 9,672.00
35 400 400 5 71 Clelland,J 19,220.00 18.50% 497.11 02/23/99 19,220.00
35 400 400 5 72 Foreman,J 12,706.37 18.50% 350.00 08/18/99 12,765.22
35 400 400 5 73 Schofield,B 7,264.00 18.50% 216.94 06/20/99 7,264.00
68
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 400 400 5 74 Mclaughlin,J 9,437.63 22.00% 299.37 11/20/98 9,502.18
35 400 400 5 75 Cochran,J 16,934.70 18.50% 407.32 08/15/98 17,014.99 B
35 400 400 5 77 Avant,D 11,301.00 18.50% 313.36 07/18/99 11,429.00
35 400 400 5 78 Holmes,W 8,652.55 22.00% 256.19 06/08/98 8,735.00
35 400 400 5 79 Randall,A 9,720.00 18.50% 288.07 06/09/99 9,720.00
35 400 400 5 80 Bradley,M 12,662.70 18.50% 325.00 06/19/99 12,662.70
35 400 400 5 83 ODell,R 6,013.56 25.00% 278.84 07/15/98 6,174.00
35 400 400 5 84 Edwards,R 14,703.63 18.50% 435.77 08/11/98 14,703.63
35 400 400 5 85 Deason,D 11,547.22 18.50% 319.05 02/03/98 11,547.22
35 400 400 5 86 Harshman,T 6,328.80 18.50% 188.98 08/16/98 6,328.80
35 400 400 5 87 Jackson,K 14,784.80 22.00% 408.34 06/03/98 14,784.80
35 400 400 5 88 Jiles,P 5,903.75 22.00% 225.46 08/25/99 5,903.75
35 400 400 5 89 King,B 12,683.28 22.00% 407.02 07/24/99 12,919.00
35 400 400 5 92 Johnson,C 13,509.00 18.50% 346.72 04/21/99 13,509.00
35 400 400 5 94 Lorenzo,J 14,475.00 18.50% 396.88 02/15/98 14,475.00
35 400 400 5 95 Meador,T 14,707.71 18.50% 380.40 11/03/98 14,707.71
35 400 400 5 96 Mchale,M 15,904.00 18.50% 439.42 07/26/99 15,904.00
35 400 400 5 97 Roberts,J 10,944.00 18.50% 324.34 06/21/98 10,944.00
35 400 400 5 98 Randall,P 5,565.00 25.00% 253.95 07/01/99 5,565.00
35 400 400 5 99 Carter,B 11,892.34 18.50% 328.59 01/01/99 11,892.34
35 400 400 5 100 Holt,J 8,829.00 22.95% 282.74 10/26/98 8,829.00
35 400 400 5 101 Young,H 11,309.00 22.95% 394.16 09/03/99 11,309.00
35 400 400 5 802 Allen,T 11,629.93 17.00% 317.13 02/23/98 12,760.46
35 400 400 5 814 Sawyer,D 10,930.43 18.50% 299.89 06/13/98 11,595.85
35 400 400 5 818 Mole,J 14,281.82 18.50% 387.89 09/24/99 14,977.63 B
35 400 400 7 40 Smoak,R 12,248.22 17.00% 318.05 11/08/98 12,797.60
35 400 400 8 11 Hawkins,D 9,931.04 18.50% 321.94 12/04/98 10,862.91
35 400 400 8 49 Lee,O 12,694.26 18.50% 360.38 05/27/98 13,143.70
35 400 400 8 64 Boucher,G 8,667.54 25.00% 350.40 10/02/00 8,806.82
35 400 400 8 65 Pierson,R 12,381.91 18.50% 343.69 04/09/98 12,535.00
35 400 400 8 66 Rivers,J 11,981.73 18.50% 310.45 09/21/98 12,096.00
35 400 400 8 91 Rodriguez,A 8,367.98 25.00% 338.75 05/06/98 8,520.00
35 430 430 5 1 Card,T 17,885.52 18.00% 562.52 01/04/99 19,149.64
35 430 430 5 2 Scoggins,G 11,141.82 18.00% 315.11 06/28/99 11,600.00
35 430 430 5 5 Kennedy,C 6,772.13 21.00% 249.16 04/17/98 7,367.06
35 430 430 5 6 Harrell,E 8,945.03 18.00% 257.81 10/04/98 9,495.19
35 430 430 5 7 McCray,K 7,939.34 21.50% 337.56 01/12/98 8,899.06
35 430 430 5 9 Cupit,B 16,648.46 18.00% 517.90 04/11/98 17,630.91
35 430 430 5 11 Wooten,O 13,924.03 21.00% 515.79 04/24/99 15,250.62
35 430 430 5 12 Nelson,D 10,821.47 18.00% 350.00 04/12/00 11,915.00
35 430 430 5 13 White,D 12,693.13 21.50% 460.13 09/14/99 13,500.00
35 430 430 5 15 Johnson,S 8,175.21 18.00% 255.13 03/25/99 8,685.19
35 430 430 5 16 Scott,N 7,094.49 21.50% 293.00 02/14/98 7,724.32
35 430 430 5 17 White,S 9,509.73 18.00% 295.11 01/13/99 10,046.31
35 430 430 5 18 McKinney,C 11,823.19 18.00% 313.37 06/28/99 12,340.83
35 430 430 5 19 Jones,C 6,704.61 21.00% 240.00 06/09/99 7,096.33
35 430 430 5 20 Geter,C 9,662.56 21.00% 350.00 05/08/98 10,348.75
35 430 430 5 22 Mondrey,B 10,094.94 18.00% 308.73 12/13/98 10,510.02
35 430 430 5 23 Masters,A 7,734.65 21.50% 307.91 05/10/98 8,117.46
35 430 430 5 24 Steakley,B 8,274.45 21.00% 299.25 04/21/99 8,848.19
35 430 430 5 27 Goggan,W 4,030.64 25.00% 238.20 11/24/98 4,463.05
69
<PAGE>
<CAPTION>
National Auto Finance Company L.P.
1996 - 1 Trust
Schedule 1 - Contract Schedule
21-Oct-96
Principal Monthly Maturity Original Balloon
Contract Name Balance APR Payment Date Principal Contract
-------- ---- ------- --- ------- ---- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
35 430 430 8 25 Clark,J 7,216.22 24.00% 357.95 04/11/98 8,016.88
35 430 430 8 26 Spencer,L 15,017.49 18.00% 389.51 05/27/99 15,339.06
35 430 430 8 28 Rubio,J 14,216.22 18.00% 399.02 09/19/98 14,587.00
35 460 460 2 26 Bullock,V 20,719.35 18.49% 500.00 10/23/98 20,719.35 B
35 460 460 3 5 Johnson,S 15,096.96 16.99% 378.20 02/06/99 15,185.36
35 460 460 3 6 Mason,T 12,651.42 16.99% 316.58 03/09/99 12,651.42
35 460 460 3 8 Lawson,J 14,877.74 16.99% 373.38 04/04/99 15,027.29
35 460 460 3 16 Warner,T 17,178.54 16.99% 429.86 01/22/98 17,178.54
35 460 460 5 2 Grigsby,S 4,516.76 28.00% 266.62 03/21/98 4,857.58
35 460 460 5 3 Ebbett,P 5,389.73 25.00% 222.94 04/10/99 5,607.24
35 460 460 5 7 Wilkinson,E 21,897.44 16.99% 549.92 08/07/98 21,976.80
35 460 460 5 9 Bowers,D 8,041.47 22.00% 278.22 05/13/98 8,100.00
35 460 460 5 10 Ramsey,D 5,253.28 25.00% 189.87 03/14/99 5,280.40
35 460 460 5 11 Wilson,S 12,852.47 18.50% 333.53 11/30/98 12,995.00
35 460 460 5 12 Hand,L 9,194.02 18.50% 274.58 01/19/99 9,194.02
35 460 460 5 13 Tyler,H 9,450.00 22.00% 324.59 07/25/99 9,450.00
35 460 460 5 15 Kimball,B 17,036.88 16.99% 424.89 12/07/98 17,036.88
35 460 460 5 17 Arnett,K 11,291.88 16.99% 300.54 05/14/98 11,291.88
35 460 460 5 18 Harvey,S 7,900.00 25.00% 314.10 12/29/98 7,900.00
35 460 460 5 19 Kirby,K 8,933.32 18.50% 264.75 07/17/98 8,933.32
35 460 460 5 21 Cole,A 18,599.75 16.99% 465.42 05/05/98 18,599.75
35 460 460 5 22 Mays,E 11,360.25 19.99% 320.49 04/28/99 11,360.25
35 460 460 5 24 Nanton,M 11,523.15 20.00% 325.29 10/01/98 11,523.15
35 460 460 5 25 Jones,F 10,137.10 20.00% 308.47 07/25/99 10,137.10
35 460 460 5 28 Myers,R 7,419.13 26.50% 272.86 07/15/98 7,419.13
35 460 460 5 29 Barker,M 8,608.58 20.00% 244.34 12/05/97 8,608.58
35 460 460 5 30 Thomas,J 17,577.41 16.99% 439.79 07/23/98 17,577.41
35 460 460 6 23 Falls,R 14,085.96 16.99% 349.99 06/01/98 14,085.96
35 460 460 7 4 Wallace,P 28,549.09 16.99% 716.98 09/30/98 28,652.56
35 460 460 8 1 Porter,J 10,655.55 22.00% 299.59 04/16/99 10,851.60
35 460 460 8 14 Robinson,A 20,823.25 18.50% 540.38 09/18/98 21,054.17
35 460 460 8 20 Stupka,W 11,769.37 22.00% 350.18 02/16/99 11,939.64
35 460 460 8 27 Davis,C 11,331.79 19.99% 322.49 06/26/99 11,331.79
4305 51,180,034.44 53,450,013.31
12415.79868
</TABLE>
