Som da Terra

(NASDAQ: TERN): Class Period: February 2

On used vehicles, the Bank will not lend more than 90% of the of the average retail value as defined by a major national publication approved by the Bank. The Bank requires all borrowers to obtain vendor single interest coverage protecting the Bank against loss in the case a borrower automobile insurance lapses. The Bank originates indirect loans through a network of approximately 65 dealers which are primarily new car dealers located in Anne Arundel County and the surrounding counties.

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