Identifies the category used to calculate the Dealer Reserve i.e., Flat, Standard Dealer Participation, Guaranteed Dealer Participation.

The dollar amount associated with the dealer reserve.

The total amount financed.

The number of payments that are already passed due at the time the deal is funded.

The dollar amount of the past due payments.

Communicates any deductions from the dealer settlement amount (e.g., Tax Stamp Amount).

Communicates any miscellaneous additions to the dealer settlement amount (e.g., Owner Loyalty Reimbursement Amount).

Free form text area for Funder's comments.

Free form text area identifying any policies are legal restrictions.

The total duration of the contract in months.

The customer's buy rate.

Monthly Payment Amount.

Identifies the bulletin used to fund the deal.

The estimated percent of value at contract end.

The rating of the customer based on the credit worthiness of the customer.

The rate charged to the dealer.

The manufacturer assigned code that determines the incentives that are being offered to the customer (i.e., 0% financing).

The effective date of the incentives or rates.

Identifies the end date of the incentives and rates.

Manufacturer suggested retail price / discount amount. Discount package is for a special package on a vehicle.

Amount paid up-front towards the end-of-term residual value. (A higher residual means lower monthly payments - some people will put cash or trade equity down to "buy-down" their monthly payments.)

Amount paid up-front towards the hard-add residual adjustment. (For example, if the customer wants a CD changer but doesn't want the monthly payments to go up, they may pay for a portion of it up-front.)

The difference in the finance charge amount between the buy rate and the customer rate. For instance if the buy rate is 4.9% and the dealer writes the contract for 2.9% - the difference of 1% finance charge needs to be paid to the lender up-front.

The amount that the finance source is paying the dealer for the deal. EX: If a dealer owes a buy down amount, it may be deducted from their proceeds.

The GrossProceedsAmount minus the wholesale payoff amount.

The date that the finance source begins servicing the deal.

Description of standard finance plan applied to deal.

A portion of the dealer’s proceeds that is held for future payment.

Federal Truth In Lending Disclosures

The ProgramsAndRates component represents vehicle and finance programs/rates associated with the contract or lease agreement for the vehicle.

Tax assoicated with the financing

Amount paid up-front towards expected additional mileage on the vehicle.This amount will off-set the expected reduction of end-of-term residual due to higher mileage on the vehicle.

This is the preset amount determined by the lender for upfront miles. This rate is multiplied by the number of up-front miles and this amount is subtracted from the residual value.

Base buy rate before any additions or subtractions.

Communicates any adjustments to the buy rate.

The Fee component represents the fees associated with the vehicle being financed.