The Legal Terms and Conditions for the use of this site are posted below for your reference. You agreed to be bound by these terms and conditions prior to accessing this site.

Processing agent; FIA
The Ford Interest Advantage (FIA) - Online Access Web Site (the "Online Access Web Site") is operated by The Northern Trust Company (the "Processing Agent") as processing agent for Ford Motor Credit Company. The information accessible through the Online Access Web Site pertains to your investment with Ford Motor Credit Company (your "FIA"). You do not have a deposit or any other customer relationship with The Northern Trust Company by virtue of your FIA or your use of the Online Access Web Site. Please refer to your prospectus for a description of the Processing Agent' duties and obligations relating to the Ford Interest Advantage.

Acceptance of Terms and Conditions
You may access the pages of the Online Access Web Site and make use of the services offered only if you accept and agree to these Terms and Conditions. After reviewing these Terms and Conditions carefully, including the authorization to conduct business on-line, you should indicate acceptance by clicking the button labeled "I Accept". You will not be allowed to access any other pages of the Online Access Web Site, or make use of any services through the Online Access Web Site, until you accept these Terms and Conditions by clicking on the "I Accept" button. If you do not wish to accept these Terms and Conditions, you should simply exit now.

These Terms and Conditions and the services accessible through the Online Access Web Site may be changed from time to time by Ford Motor Credit Company or by the Processing Agent posting changes to the Ford Interest Advantage Web site without further notice to you. Your acceptance (by clicking the "I Accept" button) will constitute an ongoing acceptance of agreement to these Terms and Conditions, as they may be amended from time to time. If at any time you do not wish to continue to accept these Terms and Conditions, you should cease using the Online Access Web Site.

Access, Security; Data Retention
In order to access information about your FIA or initiate transactions through the Online Access Web Site you must activate your website ID by calling 800-462-2614 and follow the menu prompts. You must then login by entering your FIA number and your password. You agree that the foregoing access procedure is reasonable and that you approve of such access procedure. You will be fully responsible to protect against the unauthorized use of your password. Ford Motor Credit Company and the Processing Agent may rely on the fact that any person using the described access procedure is authorized by you to do so, to access your FIA information and to initiate transactions through the Online Access Web Site.

Ford Motor Credit Company and the Processing Agent have established what they believe to be commercially reasonable procedures to protect information made available through the Online Access Web Site from being accessed by unauthorized persons and to prevent unauthorized persons from initiating transactions through the site, however, Ford Motor Credit Company and the Processing Agent cannot guarantee that such will not occur. You will not attempt, through the use of the Online Access Web Site or otherwise, to access or view any information of any person or to initiate transactions on behalf of any person who has not expressly authorized you to do so and has not provided you with such rights. In the event that you should receive or be exposed to information which you are not authorized to view, you will promptly notify the Investor Servicing Center at the toll free telephone number indicated in your FIA statement, and destroy all copies (electronic or otherwise) of the unauthorized information.

You expressly consent to Ford Motor Credit Company's and the Processing Agent's retention and use of data generated by and about you and your use of the Online Access Web Site if Ford Motor Credit Company and the Processing Agent believe the information would be useful (and allowed by law) in performing the Processing Agent's obligations as Processing Agent and in operating the Online Access Web Site. The Processing Agent has agreed contractually with Ford Motor Credit Company, and has a policy in furtherance of the agreement, not to reveal specific information about your FIA or other personally identifiable data to unaffiliated third parties (other than Ford Motor Credit Company) for their independent use except for the exchange of information with reputable reporting agencies to maximize the accuracy and security of such information; unless 1) the information is provided to help complete a transaction initiated by you; 2) you request or permit it; 3) the disclosure is required by or allowed by law (e.g. subpoena, investigation of fraudulent activity, request by a regulator, etc.); or 4) you have been informed about the possibility of disclosure for Processing Agent's marketing or similar purposes through a prior communication and given the opportunity to decline (i.e. "opt out"). In the limited circumstances that the Processing Agent provides personally identifiable information to a third party, other than Ford Motor Credit Company, the third party is expected to adhere to similar privacy principles that provide for keeping such information confidential. The Ford Motor Credit Company Privacy Policy Statement sets forth its privacy policies and is available on the Ford Interest Advantage general web site and the Online Access Web Site.

Disclaimers
NEITHER FORD MOTOR CREDIT COMPANY OR THE PROCESSING AGENT NOR ANY OF THEIR AFFILIATES MAKES ANY REPRESENTATION ABOUT THE SUITABLILTY OF THE CONTENT OF THE ONLINE ACCESS WEBSITE FOR ANY PURPOSE. ALL CONTENT IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. FORD MOTOR CREDIT COMPANY, THE PROCESSING AGENT AND THEIR AFFILIATES DISCLAIM ANY WARRANTIES AND REPRESENTATIONS WITH REGARD TO THE CONTENT, INLCUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Although Ford Motor Credit Company and the Processing Agent attempt to keep the information on the site accurate, complete and current, Ford Motor Credit Company and the Processing Agent do not warrant that the content of the Online Access Web Site is accurate, complete or current. It is your responsibility to verify any information accessed or viewed through the Online Access Web Site before relying on it. FORD MOTOR CREDIT COMPANY, THE PROCESSING AGENT AND THEIR AFFILIATES DISCLAIM ANY REPRESENTATIONS THAT ANY AUTOMATED SYSTEM (AS DEFINED BELOW) WILL OPERATE UNINTERRUPTED OR BE ERROR FREE.

Limitation of Liability
You understand that the use of the Internet and other automated systems to perform the functions underlying the services accessed through the Online Access Web Site and to provide you with access to such services (collectively, the "Automated Services") entails risks, including, but not limited to, interruption of service, system or communication failures, delays in service, errors or omissions in information provided, errors in the design or functioning of such Automated Systems and corruption of data or systems (collectively, a "System Failure"), that could cause you substantial damage, expense or liability.

FORD MOTOR CREDIT COMPANY, THE PROCESSING AGENT AND THEIR AFFILIATES WILL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY DAMAGE OR INJURY, INCLUDING BUT NOT LIMITED TO, THOSE CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR SYSTEM FAILURE. IN NO EVENT WILL FORD MOTOR CREDIT COMPANY, THE PROCESSING AGENT AND THEIR AFFILIATES BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA OR PROFITS ARISING OUT OF OR RELATING TO THE SERVICES AVAILABLE THROUGH THE ONLINE ACCESS WEBSITE OR THE USE, COPYING, OR DISPLAY OF INFORMATION ACCESSED THROUGH THE ONLINE ACCESS WEBSITE, WHETHER OR NOT FORD MOTOR CREDIT COMPANY, THE PROCESSING AGENT AND THEIR AFFILIATES WERE ADVISED OF OR WERE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING DISCLAIMER OF LIABILITY IS EFFECTIVE WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, TORT, STRICT LIABILTY OR ANY OTHER THEORY.

Without limiting the foregoing, Ford Motor Credit Company, the Processing Agent and their affiliates will not be liable for any losses or damages incurred as a result of any information or confidential information submitted to them through the Online Access Web Site, for their transmission of information or confidential information to any person(s) or entity(ies), or the institution or completion of transactions as a result of a request reasonably believed by Ford Motor Credit Company, the Processing Agent or their affiliates to have been made by you or any person authorized by you. SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU TO THE EXTENT APPLICABLE LAW DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILTY FOR INCIDENTAL OR CONSEQUENCTIAL DAMAGES.

Without limiting the foregoing, Ford Motor Credit Company, the Processing Agent and their affiliates will not have liability for the actual or alleged insufficient exercise of care in selecting, monitoring or operating any Automated System, for any failure or delay in informing you of any System Failure or in taking action to prevent or correct any such System Failure. Ford Motor Credit Company, the Processing Agent and their affiliates have no responsibility to inform you of (i) any decision to use, not to use or cease using any Automated System, (ii) the characteristics, function, design or purpose of any Automated System, or (iii) any specific risks inherit in any Automated System.

Without limiting the foregoing, in no case will Ford Motor Credit Company, the Processing Agent and their affiliates bear any liability for delivery of services through the Online Access Web Site, or for access to or use of the Online Access Web Site.

Links to Other Sites
Some of the sites listed, as links in the Online Access Web Site will let you leave the Online Access Web Site server and are not under the control of Ford Motor Credit Company, the Processing Agent or their affiliates. Accordingly, Ford Motor Credit Company, the Processing Agent and their affiliates do not make any representations whatsoever concerning the content of those sites. The fact that Ford Motor Credit Company, the Processing Agent or their affiliates have provided a link to a site is NOT an endorsement, authorization, sponsorship, or affiliation by Ford Motor Credit Company, the Processing Agent or their affiliates with respect to such site, its owners, or its providers. Ford Motor Credit Company, the Processing Agent or their affiliates are providing these links only as a convenience to you.

Jurisdiction; Entire Agreement
These Terms and Conditions will be governed by and be interpreted under the laws of the State of Illinois, United States of America, notwithstanding any principles of conflicts of law. The state or federal courts located in Cook County, Illinois, have exclusive jurisdiction over any cause of action arising out of or related to the use of the Online Access Web Site. These Terms and Conditions set forth the entire agreement between the parties relating to the use of the Online Access Web Site. If any part of these Terms and Conditions is held unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any of the remaining provisions

Authorization To Conduct Business On-Line
To successfully send, receive and retain the information and disclosures related to the Ford Interest Advantage you will need the following requirements ongoing:

• A 32-bit operating system (Windows 98 or later version).
• An Internet Browser (Internet Explorer 5.5 or higher or Netscape Navigator® 4.78 or higher).
• Minimum 28.8KB connectivity to the Internet.
• The preferred screen resolution setting is 800 by 600 pixels.
• Minimum of 128 bit encryption.
• To print or save a copy of the disclosures and other information you must have a printer and browser with print screen capability or be able to save files to your computer.

Agreement to Participate Electronically
I have read and understand the above listing of computer hardware and software. I understand this hardware and software is necessary for me to send, receive and retain the information and disclosures related to the Ford Interest Advantage.

By clicking the "I ACCEPT" button below, I am affirmatively stating I'm currently accessing this Website with a computer system, ISP connection, browser and I have a printer necessary for me to send, receive and retain the above referenced Ford Interest Advantage Disclosures and information.

By clicking on the "I ACCEPT" button below, I am also consenting to receive the information and disclosures related to the Ford Interest Advantage electronically. My consent is limited to the information and disclosures related to Ford Interest Advantage, including transaction records, only and none other. I can withdraw my consent at any time during the enrollment process BEFORE clicking on the "I ACCEPT" button by clicking the "BACK" button. (Unfortunately, your transactions cannot be processed electronically if you withdraw your consent.)

I also understand that after I have consented to receive the information and disclosures related to the Ford Interest Advantage, I can obtain a paper copy of the disclosure documents and other information by calling 1-800-462-2614. I understand requesting paper copies will be at no cost to me for deliveries via U.S. Postal Service regular postage.