PAYMENT TERM

               -- Spot cash payment (get 9% discount)

               --Deferred payment term (100% payable in 24months 0%int.)

               --Bank Financing

                     1)10% Spot full DP 10%DP 24mos.  80%Bal.Bank

                     2)20% Spot full DP 10%DP 24mos.  70% Bal.Bank

                     3)20% DP 24mos 80% Bal.Bank

        For More Details:

           Sample Computation and other concerns,

         Please contact me:

         Globe: 0906-2861819

          Sun:   0922-7767570

          Email:  vhic.padual@yahoo.com