ANNEX A---DEFINED TERMS
"Accounting Date" means, with respect to any Determination Date or any Settlement Date, the close of business
on the day immediately preceding such Determination Date or Settlement Date.
"Accountants' Report" means the report of a firm of nationally recognized independent accountants described in
Section 4.11 of the Sale and Servicing Agreement.
"Accrual Period" means, a calendar month; provided that the initial Accrual Period shall be the period from and
including the day after the initial Cutoff Date to and including July 31, 2004.
"Act" has the meaning specified in Section 11.3 of the Indenture.
"Addition Notice" means, with respect to any transfer of Receivables to the Purchaser pursuant to Section 2.1 of
the Sale and Servicing Agreement, notice of the Seller's election to transfer Receivables to the Purchaser, such
notice to designate the related Funding Date and the aggregate principal amount of Receivables to be transferred
on such Funding Date, substantially in the form of Exhibit G to the Sale and Servicing Agreement.
"Advance" has the meaning set forth in paragraph 4 of the recitals to the Note Purchase Agreement.
"Advance Amount" means with respect to the Receivables, an amount equal to the least of (i) the excess of the
Maximum Invested Amount over the Invested Amount of the Note as of such Funding Date; and (ii) the excess
of the Net Borrowing Base (taking into account the amount of the Receivables to be purchased on such Funding
Date) over the Invested Amount of the Note as of such Funding Date.
"Advance Rate" as of any day means (a) with respect to each TFC Receivable and each Clean-up Call
Receivable, 70.5% minus the Advance Rate Reduction Amount and (b) with respect to each CPS Receivable,
the then applicable CPS Advance Rate as reflected on the CPS Advance Rate Matrix.
"Advance Rate Reduction Amount" means, at any time, the excess, if any, of (A) the Cap Rate over (B) the
Required Cap Rate, such excess, if any, to be rounded up