Fitch Upgrades Whole Auto Loan Trust Transactions.

NEW YORK -- Fitch Ratings upgrades three classes of two Whole Auto Loan Trust transactions. The upgrades are as follows:

Whole Auto Loan Trust 2002-1

-- Class C notes to 'AAA' from 'A'.

Whole Auto Loan Trust 2003-1

-- Class B notes to

-- Class C notes to 'A+' from 'BBB+'.

The rating upgrades are a result of increased available credit enhancement in excess of stressed remaining losses. Current principal allocation and expected future cashflows are also contributing factors.

The collateral continues to perform within Fitch's base case expectations. Currently, under the credit enhancement structure, the securities can withstand stress scenarios consistent with the upgraded rating categories and still make full payments of interest and principal in accordance with the terms of the documents.

As before, the ratings reflect the quality of DaimlerChrysler Services North America LLC (DCS), Ford Motor Credit Company (Ford Credit), General Motors Acceptance Corporation (GMAC), and Volvo Finance North America, Inc. (Volvo) retail auto loan originations, the sound financial and legal structure of the transaction, and the strength of servicing provided by DCS, Ford, GMAC, and Volvo.

Fitch's rating definitions are available on the agency's public web site, www.fitchratings.com. Published ratings, criteria and methodologies, and relevant policies and procedures are also available from this site, at all times. This document will remain on the public site for seven days.