David J. Lychuk and Mary K. Lychuk, et al. - Page 5




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          of those contracts.  Its primary business activities are credit             
          investigation, credit evaluation, documentation, and the                    
          monitoring of collections on installment contracts.  Its business           
          is conducted out of space that it rents in Bingham Farms,                   
          Michigan, pursuant to a 5-year lease that began on October 22,              
          1992.  Under the lease, ACC pays monthly rent of $3,137.50 during           
          the first 24 months and $3,250 afterwards.                                  
               ACC’s shareholders and their respective ownership interests            
          are as follows:                                                             
          1993     1994                                                               
          James and Mary Jo Blasius            77%      86%                           
          Edward and Virginia Blasius          13       14                            
          Donald Terns                          5        0                            
          David Lychuk                          5        0                            
          None of the shareholders, except James Blasius, works in ACC’s              
          daily business.  The other male shareholders serve as the                   
          directors of ACC’s board.                                                   
               ACC’s key management personnel includes its president, James           
          Blasius, its vice president and chief financial officer, Steven             
          Balan, its credit manager, Cass Budzynowski, and its credit                 
          investigator, Hope McGee.  During the relevant years, each of               
          these individuals performed services in connection with ACC’s               
          acquisition of installment contracts.  James Blasius managed                
          ACC’s overall operation and handled personally all contracts with           
          dealers.  Steven Balan supervised and oversaw ACC’s day-to-day              
          management and its financial and general office management.  Cass           





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