Better Car Deals - Consumer Affairs Victoria

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Better car dealsA buyer’s

Better car deals: a buyer’s guideOur partnersDisclaimer, copyright and publisher informationBecause this publication avoids the use of legal language,information about the law may have been expressed in generalstatements. This publication should not be relied upon as asubstitute for professional legal advice.Authorised and publishedby the Victorian Government,1 Treasury Place, MelbourneMarch 2017ISBN: 978 1 921079 76 42Unless indicated otherwise, content in this publication is providedunder a Creative Commons Attribution 3.0 Australia Licence.To view a copy of this licence, visit It is a condition of the Creative Commons Attribution 3.0Licence that you must give credit to the original author who is theState of Victoria.This document is available for download in accessible PDF andMicrosoft Word formats at If you would liketo receive this publication in an alternative accessible format,please phone 1300 55 81 81.

Better car deals: a buyer’s guideContentsPart 1: Getting started . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4What you really pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Operating costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Getting finance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5‘Rent-to-buy’ schemes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6Part 2: Buying a new car . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7Date of manufacture . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8Trade-ins . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8The contract . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8Warranties . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9Consumer guarantees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9Pre-delivery check. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9Part 3: Buying a used car . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10Service history . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Mechanical inspection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Check the vehicle’s status . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Buying from a licensed trader . . . . . . . . . . . . . . . . . . . . . . . . . . 11Buying from a private seller . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14Buying online . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14Buying at an auction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15Part 4: Getting your car serviced or repaired . . . . . . . . . 16Service and repairs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17Finding and dealing with a mechanic . . . . . . . . . . . . . . . . . . 17Warranties on repairs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17Recycled parts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17Part 5: Selling your car . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18Trading in your car . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19Selling your car privately . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19Selling your car at an auction . . . . . . . . . . . . . . . . . . . . . . . . . . 19Part 6: Useful contacts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20Part 7: Used car buyer’s checklist . . . . . . . . . . . . . . . . . . . . .223

PART 1:Getting started4

Part 1: Getting startedWhen you start looking for a car, motorbike orscooter, the range of makes and models canbe overwhelming.Compare prices. The Federal Government’s GreenVehicle Guide website detailed information about a car’s fueleconomy and environmental performance. TheTransport Accident Commission (TAC)’s How Safe IsYour Car website providesinformation about the safety rating of new and usedcars on the Australian market.If you plan to fit a child restraint to yourcar, you may wish to contact the RoyalAutomobile Club of Victoria (RACV) forinformation about suitable cars. It is alsoworth taking prams and associated accessorieswhen you’re shopping for a car to see if thesecan be stowed adequately and easily. Call03 9790 2190 or visit for details.More resources to help you choose the right carare listed at the back of this guide.What you really payLicensed motor car traders (also referred to asLMCTs, or licensed traders) must display: a single (total) price, usually referred to as the‘drive away’ price, somewhere on the car (usuallythe windscreen). The drive away price includes ALLfees and charges. If the trader chooses to show aparticular component of the price in advertisements,they must still provide you with a single price. a ‘cash price’, which excludes fees and charges.The cash price will be displayed on a car windowdisplay form.Compulsory and standard chargesThe advertised total price may include the followingfees and charges: Registration fees (for new cars) are paid when thecar is first registered and annually from this date(visit for current rates). Transport Accident Commission (TAC) charges(for new and used cars) are paid annually as partof the registration process. Fees vary. Number plate fee for cars sold as unregisteredvehicles. Government motor vehicle duty – rates vary andare currently:– new cars valued up to 60,316 – 6 for every 200– new cars valued above 60,316 – 10 for every 200– used cars – 8 for every 200.Contact the State Revenue Office (Victoria) or for changes to stamp duty rates andto calculate motor vehicle duty. Dealer delivery charge – this additional fee fornew cars may be charged to cover costs the traderincurs in preparing and delivering the car. Registration transfer fee – for buyers of used cars totransfer registration to the new registered person. Luxury Car Tax – 33 per cent imposed on theGST-inclusive value of luxury cars over the relevantthreshold. Contact the Australian Taxation Office(ATO) for details.Operating costsThe RACV website lets youcompare the estimated operating costsof different cars. You can also read carreviews and ‘road test’ performance reviews.Getting financeMany licensed traders can help you arrange finance,but you may find a better deal if you shop around andcheck rates and fees offered by banks, credit unionsand other finance providers.You should also make sure you are able to pay off aloan. If you are unsure, contact a financial adviser.The Australian Securities & Investments Commission(ASIC)’s MoneySmart website hasa personal loan calculator that can help you work outwhether you will be able to service the loan amount.If you are relying on finance to purchase the car, it isimportant to make the contract for sale conditionalupon finance approval from your preferred financialprovider.5

Better car deals: a buyer’s guideBefore you agree to a loan‘Rent-to-buy’ schemesRead the finance agreement and make sure youunderstand it. Before you sign, make sure you areaware of:In a typical rent-to-buy arrangement, you makeregular payments (instalments) and have the optionof purchasing the car you are renting at the end of therental period. Depending on your contract, you will onlyown the car after you: all fees and interest rates monthly repayment rates and due dates the total amount you will have paid at the endof the loan period all insurance requirements.Do not over commit yourself financially. Budgetaccording to your means and only borrow whatyou can afford to pay.What if you are struggling tomeet your loan repayments?Contact MoneyHelp on 1800 007 007 for free,confidential and independent financial information.A MoneyHelp financial counsellor can help you draftletters, fill in forms or liaise with your credit provider.The MoneyHelp website also hasinformation and tools to help you manage debt,including template letters and other practicalresources.Consider taking out consumer credit insurance orloan protection insurance, which can cover you if youare unable to make your loan repayments because ofsickness or unemployment. Do your research to makesure this insurance is suitable for you, and budget forit when making your loan calculations.In some cases, such as job loss or unforeseen illness,you may ask your credit provider for a hardshipvariation. This can involve postponing your repaymentsfor a period, seeking a reduction in the repaymentamount, or extending the life of the loan. Visit ASIC’sMoneySmart website for moreinformation.What if you fail to repay the loan?If you put up property as security when taking out aloan, it will become the lender’s property if you areunable to repay the loan. If the car itself is the security,it may be repossessed. It may also be sold for less thanyou owe. If this happens, you may end up paying thelender the difference.What if the car is involved ina crash and gets written off?You will still need to pay the balance owing on yourloan. Gap or shortfall insurance, offered by somefinancial services providers, can cover the differencebetween the insurance payout and the balance owingon the loan.6 finish making all payments pay an agreed sum, or pay fair market value for the car.Rent-to-buy deals may seem attractive (especially tothose with a poor credit rating or on a low income), butcomplaints to Consumer Affairs Victoria indicate thecars are not always mechanically sound and the totalcosts may be excessive.Familiarise yourself with the contract terms andconditions to avoid problems. Find out: who will be responsible for paying the car’sregistration and any mechanical repair ormaintenance costs during the rental period in what circumstances (if any) title will be transferred if the car registration will be transferred to your namewhen you purchase the car whether you can terminate the contract and, if so, onwhat conditions the costs payable at the conclusion of the instalmentpayments.Most importantly, calculate the total price you will payunder the contract – you may not be getting value formoney. If you are considering rent-to-buy, consult afinancial counsellor or get legal advice before signingthe contract.InsuranceInsurance protects you against costs and liabilitiesif the car is stolen, vandalised or damaged in a crash.When budgeting, consider taking out at least thirdparty car property insurance.It may be cheaper to arrange your own insurancethan taking it out through the trader. Contact insurancecompanies to compare premiums and policy coverage.Make sure the car is insured before you takedelivery of it.For more information abouttypes of insurance,

PART 2:Buying a new car7

Better car deals: a buyer’s guideWhen you’re buying a new car, readthe contract carefully and understandit before signing it.Take the car you are considering buying for a test drive,and test drive a number of cars to make comparisons.Information about particular car models and test driveresults are available on the RACV website information is available on the How Safe Is YourCar website you get finance before signing?You are not required to arrange finance before signingthe contract. However, make sure that your contractstates that the sale is dependent upon you obtainingfinance from a specified company. The followingwording could be helpful: “this contract is subject toand conditional upon the purchaser being satisfiedwith finance from [insert the name of your creditprovider] by [date]”.Before leaving the car yard on a test drive, checkyour legal liability if you are involved in a crash.Alternatively, you can apply for finance and wait forapproval before signing. This allows you to shop aroundknowing exactly how much money you have to spend.Date of manufactureCooling offThe age of a car is taken from its date of manufacture.This date is stamped on a car’s ‘build plate’, which isattached to the car when it’s assembled. Knowing acar’s age is important, as it affects its resale value.Cooling-off periods apply to new and used cars(and motorbikes) bought from a licensed motor cartrader (LMCT).Trade-insUnderstand the total cost of swapping your car for theone you are buying. A high trade-in offer for your oldcar might appear attractive, but the new car price mayhave increased to cover the difference. Also, make sureyou keep your old car until the new one is delivered.The contractThe agreement for sale is a legally binding contract.Read and understand it before you sign.Never sign a blank contract, or one with any unfilledspaces; and insist that all costs are clearly itemisedin the document. Do not sign the contract if a deliverydate or deadline is not specified; if you do, you mayhave to wait a considerable amount of time for the car.If the dealer cannot specify a delivery date, the contractshould include a date after which you no longer wish toproceed with the purchase.The contract should specify the car’s colour and anyother particulars or optional extras. If you want to buya car manufactured in a particular year, specify it inyour contract.Ask the trader to delete any clauses in the contractthat could have negative consequences for you. Forexample, listing the delivery date as ‘ASAP’ (as soonas possible) could mean delivery of the car is delayed,so try to get a date specified in the contract.8When you buy from a licensed trader, you have threeclear business days (excluding weekends and publicholidays) after you sign the contract to change yourmind. This is your cooling-off period.The trader must give you ‘Form 4, Cooling-off Rightsand Waiving Your Cooling-off Rights’, before you signa sale agreement. This sets out your rights and explainsa waiver.If you change your mind on a new car sale andterminate the sale agreement within the three clearday cooling-off period, the LMCT may keep 400, or2 per cent of the purchase price (whichever is greater).If you change your mind about a sale that takes placeoff-site – for example, if the trader brings the vehicleto your home or place of work – the trader may keep 100 or 1 per cent of the purchase price (whicheveris greater).You must advise the trader in writing if you wish tocool off.A waiver enables you to forgo your right to the threeday cooling-off period. You should only sign the waiverif the car is available for immediate delivery and youwish to collect it immediately – for example, from floorstock of current models.The waiver applies only if you take immediatedelivery of the car after signing the form.For more about contracts, visit

Part 2: Buying a new carWarrantiesAll new cars come with a manufacturer’s warranty.Study the warranty carefully, because details suchas the length of the warranty period can vary betweenvehicle retailers and manufacturers. The warrantycovers any faults or defects. Identify any faults andhave them corrected at the first mechanical service,which should happen soon after delivery.If repairs are required during the warranty period,take the car back to your authorised dealer.Scheduled services may be done by qualified,independent mechanics without affecting thewarranty, provided the work is performed inaccordance with the conditions of the warranty(manufacturer’s specifications) and appropriatequality parts and lubricants are used. Check theterms of your warranty before scheduling a service.Dealers may offer extended warranties at the pointof sale or at the end of a manufacturer’s warranty,usually at an additional cost. Extended warrantiesmay restrict your choice of mechanic and parts used,and tie you into a service schedule with a specificdealer or group of dealerships.For more aboutwarranties, guaranteesAs a buyer, you have additional rights under national‘consumer guarantees’ contained in the AustralianConsumer Law (ACL). They apply independently ofwhether there is a warranty or extended warrantyfrom the manufacturer or dealer and cannot beexcluded by contract.Consumer guarantees automatically applyto new and used cars purchased from a dealeror manufacturer on or after 1 January 2011.Under the consumer guarantees, a supplieror manufacturer guarantees that a car must: be of acceptable quality – this means it will besafe, durable and free from defects unless thedefect is made known to the buyer be acceptable in appearance and finish,and do the job the car is usually used for match any description given to the buyer match the sample or demonstration modelshown to the buyer.The dealer or person selling the vehicle alsoguarantees that: you will have a clear title to the car (that is, thedealer has the right to sell the car), unless youwere told otherwise before the sale you will have a right to undisturbed possession(that is, no-one else has a legal right to take thecar away or prevent its use) there are no undisclosed securities over the car (forexample, it has not been used as security for a loan) the car is fit for any purpose that the dealer toldyou it would be (for example, towing a boat).A manufacturer must also guarantee that theywill honour any express warranty they give you.For more informationabout consumer guarantees,visit purchased before 1 January 2011 from a dealer ormanufacturer are covered by statutory implied termsand conditions contained in the Australian ConsumerLaw and Fair Trading Act 2012.Pre-delivery checkNew car dealers should examine the car before youcollect it and demonstrate its features to you atthe time of delivery. However, it might also be worthinspecting the car yourself. Check: the bodywork for dents and chips in the paintworkthe date the car was builtthe interior trim for cuts and scratchesthat there is a spare tyre, tool kit and jackthe lights and indicators are working properlyany accessories or extras you orderedthat the features specified in the contractare included.You may also wish to take the car for a test drive withthe sales representative to check for mechanical faults.If you identify any, consider your rights under consumerguarantees contained in the ACL.9

PART 3:Buying a used car10

Part 3: Buying a used carUsed cars and motorbikes are generallyless expensive than new ones, but theyare generally older models and may havemore mechanical issues.Test drive any used car you are considering andget a mechanical inspection.A car recorded as a repairable write-off canbe registered, subject to additional inspectionrequirements. A car recorded as a statutory write-offcannot be registered and returned to the road.Registered cars on the WOVR have been through aninspection process to verify their identity and repairthem to standard.See the ‘Used car buyer’s checklist’ on page 22.Service historyAsk to see the vehicle’s service history. A car thathas been serviced regularly by a qualified mechanic,according to the manufacturer’s specifications, is lesslikely to have mechanical problems. It may also giveyou clues about future servicing requirements.Mechanical inspectionBefore you buy a used car, consider having itinspected by: the RACV’s independent vehicle inspection service a Victorian Automobile Chamber of Commerce(VACC) member, or an independent qualified mechanic.If a licensed trader or private seller does not agree tothis, you should consider not buying the car. If it is notpossible to arrange an inspection when buying from alicensed trader, ensure your contract states: “the saleis conditional on the purchaser’s satisfaction with anindependent inspection report”.When you buy from a private seller, you have lesslegal protection than buying from a licensed trader.For instance, the car will not come with a statutorywarranty. This means it is important to have the carmechanically inspected before you agree to buy it ormake a deposit.Check the vehicle’s statusSearch on the Personal Property Securities Registerwebsite to make sure the car: is not stolen does not have money owing on it is not on the written-off vehicles register (WOVR).You can confirm a car’s registrationstatus by searching the VictorianVehicles Register on the VicRoadswebsite, using the car’s registrationnumber, vehicle identification number (VIN) orchassis number. Go to andclick on ‘Check vehicle registration’.Buying from a licensed traderIt sometimes costs more to buy a car or motorbikefrom a licensed trader than a private seller, but youhave greater legal protection. Benefits of using alicensed trader include a: three-day cooling-off period three-month/5,000 kilometre statutory warranty ifthe car is up to 10 years old and has travelled lessthan 160,000 kilometres.A licensed trader must also disclose to you inwriting whether a vehicle is on the written-offvehicles register (WOVR).Licensed traders must display a licensedmotor car trader (LMCT) number. If youhave any doubts about whether a traderis licensed, check the public register ofmotor car traders at or call 1300 135 452.You can also visit the VACC website find a new or used car trader who is a member.For more information about yourcooling-off rights, see ‘Cooling off’on page 12.A person selling a car to you (whether a licensed traderor private seller) must advise you in writing whether thecar is entered on the WOVR in Victoria, or an interstateequivalent.11

Better car deals: a buyer’s guideNotice of particularsUseful wording for your contractThis important notice should be displayed onthe car’s rear side window. It will tell you:Consider including the following in youragreement for sale: if the car is covered by a statutory warranty the car’s build date the car’s engine number or the serial numberon its registration label the car’s model designation (any words, lettersor numbers specified by the manufacturer toidentify a particular model series) the year the car was first registered the cash price (excluding statutory charges) the name and address of the previous owner,if the last owner was a trader that the name and address of the previousowner (other than a trader) is available uponrequest (so you can contact them to ask aboutthe car’s condition) the odometer reading (you can verify this byphoning the car’s previous owner) your cooling-off rights whether the car is a repairable write-off and onthe WOVR in Victoria or an interstate equivalent your rights under the ACL, if the car comes witha statutory warranty.“This sale is subject to and conditional upon thepurchaser being satisfied with finance from [insertthe name of your credit provider] and being satisfiedwith an independent mechanical test report by [insertname of tester]”.When you buy a car, you must sign the notice ofparticulars and the trader must provide you witha copy.The contractThe ‘agreement for sale’ is a legally binding contract;do not sign it until you are absolutely ready to do so.You may have to pay a deposit when you sign thecontract.If you cancel the contract for a used car during thecooling-off period, the trader is entitled to keep someof your deposit ( 100 or 1 per cent of the purchase price,whichever is greater).The trader should refund your deposit in full if: the contract is conditional upon the mechanical stateof the car, and an inspection by a qualified mechanicshows this is not satisfactory the contract is conditional on getting finance toyour satisfaction, and finance is not approved the contract is conditional on gaining approvalfrom another person, and approval is not given any other contract conditions are not fulfilled the contract contains unfair terms – for information about these.12Cooling offCooling-off periods apply to new and used cars(and motorbikes) bought from licensed traders.When you buy a used car from a licensed trader, youhave three clear business days (excluding weekendsand public holidays) after you sign a contract to changeyour mind. This is your cooling-off period.The trader must give you ‘Form 4, Cooling-off Rightsand Waiving Your Cooling-off Rights’, before you signa sale agreement. This sets out your rights and explainsa waiver.If you change your mind about buying a used car andterminate the sale agreement within the cooling-offperiod, the licensed trader may keep 100 or 1 per centof the purchase price (whichever is greater). You mustadvise the trader in writing if you wish to cool off.A waiver enables you to forgo your right to thethree-day cooling-off period. You should only signthe waiver if the car is available for immediatedelivery and you wish to collect it that day.The waiver applies only if you take immediatedelivery of the car after signing the form.Statutory warrantyA licensed trader must include a statutory warranty inthe contract for sale if the car is not more than 10 yearsold and has travelled less than 160,000 kilometres. Thecar’s age is determined by the build date stamped onits build plate (see ‘Date of manufacture’ on page 8).A statutory warranty lasts for three months or 5000kilometres, whichever occurs first. It does not applyto commercial vehicles, motorbikes and cars sold ata public auction.

Part 3: Buying a used carA statutory warranty does not cover: any item listed on a defect notice with a reasonableestimate of how much it will cost to repair tyres batteries radios, cassette players, CD and MP3 players,MP4 players, DVD players and video display panels telephones and in-car telephone kits global positioning systems and navigation systems power outlets, including cigarette lighter sockets keyless entry systems and remote key pads thatare not standard to the car car aerials non-standard body hardware non-standard rear window de-misters clocks light globes, sealed beam lights andnon-standard fog lights tools (other than jacks and wheel braces) wear and tear or damage caused by misuseor negligence.A licensed trader must repair any faults covered by thestatutory warranty during the warranty period in orderto ensure the car is in a reasonable condition for its age.Statutory warranties apply under the Motor Car TradersAct 1986. You also have rights for all new and used carpurchases under other consumer laws: the Fair TradingAct 1999 applies to sales before 2011 and the ACL forsales since. For more information, see ‘Consumerguarantees’ on page 9.Repairs under statutory warrantyIf your car requires repairs while under statutorywarranty, contact the trader from whom you boughtit. They will either advise you to return the car to themfor repairs, or authorise another repairer to carry themout. If you do not contact the trader before carrying outrepairs, you may void your statutory warranty and haveto bear the costs. Second-hand parts may be used aslong as they are of appropriate quality. The time it takesto repair your car is added to your warranty period.If you cannot drive your car due to a warrantydefect, the trader must pay any towing costs.However, the trader or mechanic does not have tosupply a replacement car while your car is repaired.If you cannot contact the trader toauthorise repairs, or the trader refusesto fix a problem, contact ConsumerAffairs Victoria on 1300 55 81 81.Any faults known at the time of sale and not coveredby the statutory warranty must be listed on a defectnotice. This notice must also include an estimate of thecost to repair the listed faults. You will be responsiblefor the cost of repairing the defects listed. If the noticecontains a vague list of defects and does not explainspecific problems, do not buy the car.13

Better car deals: a buyer’s guideBuying from a private sellerRoadworthy certificateIt may be cheaper to buy a car from a privateseller than from a licensed trader, but you haveless protection under the law.If the car is registered, the seller must provide you witha current roadworthy certificate. This is a general safetycheck conducted by a licensed vehicle tester and isvalid for 30 days from the date of issue. Never agree toobtain a roadworthy certificate yourself, as the car mayhave hidden problems that could be costly to repair.For example: there is no cooling-off period the car is not covered by a statutory warranty.If you are buying from a private seller, it is a good ideato check the car does not have any money owing on it.You can do this by searching on the Personal PropertySecurities Register website vehicle status onlineSearch the Victorian Vehicles Register on the VicRoadswebsite to confirm the registrationstatus of a car, by entering its registration number,vehicle identification number (VIN) or chassis number.You can also check a car’s registration, securityinterest or if it has been stolen, at the PersonalProperty Securities Register website sellers in Victoria are required to advise youin writing whether the car is on the written-off vehiclesregister (WOVR) in Victoria or an interstate equivalent.Transfer of registrationOnce you have bought the car, it must be transferredinto your name. For this to happen, both you and theseller must sign a ‘transfer of registration form’. Youmust send the form and a roadworthy certificate (notmore than 30 days old) to VicRoads within 14

Insurance protects you against costs and liabilities if the car is stolen, vandalised or damaged in a crash. When budgeting, consider taking out at least third party car property insurance. It may be cheaper to arrange your own insurance than taking it out through the trader. Contact insurance companies to compare premiums and policy coverage.

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HOURS: 6:00 AM to 5:00 PM (Pacific Time) NISSAN CONSUMER AFFAIRS DE-PARTMENT For assistance or inquiries about the NISSAN warranty, service or general questions, contact the NISSAN Consumer Affairs Department at: For U.S. customers Nissan North America, Inc. Consumer Affairs Department P.O. Box 685003 Franklin, TN 37068–5003 1-800-NISSAN-1 (1 .

Overview Paradigms and perspectives Types of deals – Taxable vs. non‐taxable – Stock vs. asset acquisition–incl. “hybrid” deals (stock/asset deals combined) – Fusion deals –attributes carry‐over Perspectives of the parties – Buyer / Acquirer Goal is to maximize tax benefits

SOUTH CAROLINA DEPARTMENT OF CONSUMER AFFAIRS: CONSUMER CREDIT COUNSELING- ONE YEAR LATER March 2007 Written By: Carri Grube, Staff Attorney Brandolyn Thomas Pinkston, Administrator 3600 FOREST DRIVE· P.O. BOX 5757 · COLUMBIA, SC 29250· PHONE (800) 922-1594 · FAX (803) 734-4229 WEBSITE: WWW.SCCONSUMER.GOV Digitized by South Carolina State Library

CAR-O-DATA Covering nearly all new and updated vehicles – presently more than 16,500 models in total – Car-O-Data consistently provides access to current and reliable measurement data. With Car-O-Liner data service, Car-O-Data you receive immediate through the Internet, up-to-date information about new and updated vehicles that are .

The car seat adaptor comes fully assembled for use with Graco model car seats. The Graco support bar (D) must be removed prior to attaching your Peg-Perego car seat to the Baby Jogger Car Seat Adaptor. 1 . Holding the U-shaped bar (B), unsnap Graco support bar (D) from the Spring support bar (C) and remove. Car Seat Adaptor Installation: CLICK .

340 box of misc car/stationary engine parts 341 box of misc car parts light lenses 342 bmw motorcycle rear mudguard 343 wooden box car distributors/parts 344 plastic box misc car light lenses 345 misc car trim (mini/std) 346 - 349 t chest misc car/bike parts 350 ford crossflow cylinder head

b. What is AngularJS? 2. Basic Angular Security Concepts a. Strict Contextual Auto Escaping b. The HTML Sanitizer 3. Common Security pitfalls a. Server-Side Template Injection b. Client-Side Template Injection c. Converting strings to HTML d. White- and Blacklisting URLs 4. Conclusion Agenda