TERMS & CONDITIONS
¹4.99% Fixed Annual Percentage Rate (APR) valid for qualified borrowers purchasing a vehicle at the Mega New & Used Car Sale between August 30, 2008 and September 8, 2008 only. Other rates are available. Subject to credit approval. Autos purchased on dates other than August 30, 2008 through September 8, 2008 or at dealers other than participating Bob Baker Auto Group or Penske Automotive Group, Inc. dealerships will be at the prevailing Auto Loan rates offered by SDCCU®. Used vehicles must be 2003 or newer model years. Used vehicle financing is up to 120% of Retail Kelley Blue Book and New vehicle financing is up to 120% of MSRP, both including tax and license fees. Additional 1% charge for values 120% - 130%. Maximum financing is available for qualified borrowers with good credit. Current paystub may be required. Rate subject to change.

²Offer is for qualified borrowers and interest will accrue from date of purchase. Does not apply to all rate programs.

³84 monthly payments of $14.13 per $1,000 borrowed. $30,000 minimum loan amount required for terms 73-84 months on approved credit. Does not apply to all rate programs.