2. Introduction
Welcome to American Truck Group and National
Truck Funding. You are about to become part of a
family that began growing over 12 years ago. The fact
that you are sitting here means you see the value in
our Rent-To-Buy program.
What we are going to do now is thoroughly explain
our agreement.

3. Exclusive Program Benefits:
1. 100% Tax Write-Off
2. No Credit Check, Guaranteed Approval
3. No Cap on Number of Trucks Rented
4. Can Buy After ONE YEAR with No Penalty
5. In-House Insurance and Compliance Department
6. Never Owe More Than the Truck is Worth
7. Can Walk Away Without a Balance Being Owed
8. Protects All Personal Assets
9. Protection Plans That are Second to NONE!
10. Will Not Affect Your Available Line of Credit

4. Did You Shop Around?
We did it for you.
To Rent a Tandem Axle Sleeper from :
$1,017.64 Total per Week,
with basic Physical Damage and Liability Insurance and 3%
Sales Tax.
THEN ADD .20 Cents per Mile!
To Rent a 26 ft. Truck from :
$1,724.40 per Week,
Not Including Insurance and Tax!

5. Nature of the Agreement
This Agreement states that you agree to rent the
truck; you’ve provided a deposit; the information you
provide will be accurate; and that this document is
recognized as a legal contract.
Also, if you file bankruptcy during the rental period,
our agreement can’t be included. If you file
bankruptcy, and you default on the terms of this
contract, we will have the right to come get the truck.

6. Use of the Truck
1. You can’t haul anything illegal, like drugs, illegal
aliens, dead bodies, etc…
2. You can’t take the truck into Mexico.
3. You can’t turn the truck into a logging truck.
4. Only you or a designated driver who has been
approved by the rental company can operate the
truck.
5. Always carry a copy of this agreement in the
truck!

7. Payment and Maintenance
Your payments are due weekly. There is no “grace
period”. We have no control over this. If you think
there’s going to be a problem, call your customer
service agent. Always communicate! Otherwise, you’
ll be considered in default.
You are responsible for maintenance. It’s up to you to
make sure that it stays in as good condition as it is
today when you drive it off our lot. Remember: Prior
authorization has to be given for any repairs in excess
of $300, outside the maintenance schedule.

8. Affirmative Covenants
1. You agree to the Payment and Maintenance
Responsibilities section.
2. You’ll need to keep us updated on which company
you’re leased to.
3. All taxes, plates, permits, fees, tolls citations,
moving violations and fines are your
responsibility. (Includes IFTA*)

9. Insurance and Truck Damage/Loss
The truck must be insured with a standard form
primary and non-trucking liability policy, with
National Truck Funding named as additionally
insured. It has to carry $1,000,000 combined
coverage.
The truck will also carry a standard physical damage
policy for the fair market value for replacement.
The Safe Trip Agreement will be outlined and detailed
for you on another page of this agreement.
If you have an accident, NTF will not be liable for the
cargo or other property.

10. Privacy Notice
This notice gives you the opportunity to opt-out of the
release of your information to non-affiliated third
parties. We needed to obtain some personal
information such as a copy of your driving record.
Our company will safeguard your nonpublic personal
information with measures that comply with federal
regulations.
If you send us a written request, we will be glad to
send out your payment history. If your payments are
on time and in good standing, this can work in your
favor.

11. Rates, Assignment and List
The Rental Period is for 261 weeks. You can bring the
truck back at any time during the Rental Period and
will no longer be responsible for the weekly
payments.
You can assign your rights under the agreement only
with the written consent of NTF.
There is a list of names of all drivers approved for
operating your truck. The use of non-approved
drivers is grounds for termination of this agreement.

12. Jurisdiction and Resolution
Should there be any dispute between NTF and you, all
action will be governed by the State of Mississippi.
Arbitration: All claims will be heard by a third party
arbitrator. This person is usually a retired judge who
will listen to each side, then make a decision. If no
resolution is reached, it can proceed to civil court.
Each party is responsible for their own respective
legal counsel.
In order for the agreement to be legal, this will be
repeated in certain sections of the agreement.

13. Confidential and Proprietary
This agreement and the information in it is the
property of NTF.
Termination
If the agreement is terminated, all refunds will be
applied against any money owed. There will be a
Detail Charge of $895, and a Service Charge of $495.
There will also be an excess mileage charge of $.25
per mile for mileage over 2,000 per week.

14. Truck Purchase Option
After one year and one day of participation, you have
the option to purchase the truck.
Your initial security deposit will be subtracted from
the price to buy the truck. The price of the truck will
be determined by the current NADA used truck book
price. Your weekly payments do not apply toward the
price of the truck, but because you are renting, your
payments are tax deductible. We suggest that you
consult with your accountant for more details.

15. First Day Protection Plan
Highlights:
A. 30-day bumper-to-bumper coverage
B. $1,000 deductible for all repairs excluding DPF
C. If the truck has a DPF installed, it will have a
separate deductible
D. Subject to conditions and limitations
E. You must call for authorization before any work on
the truck has started
(There is an addendum to this agreement that will give you the opportunity to
participate in our Super Saver Program. It reduces the deductible to $499. )

16. 50-50 Plan
After the 30-day plan, the coverage converts to a 50-
50 plan. Which means we will pay for half of the
repairs at a NTF facility only. You will need to get an
estimate and forward it to NTF. Unauthorized repairs
will not be paid for by NTF. As of now, the only NTF
facility is here in Gulfport. However, we are growing
and will soon have facilities in Atlanta and
Dallas/Fort Worth. Plans for other facilities are in the
works!
Your account has to be current in order to participate
in the 50-50 plan.

17. Safe Trip Agreement
NTF covers all of the trucks in its fleet. We are
required to even if you have this coverage already.
That way, WE KEEP UP with the lapse dates and keep
the policy in force so that the investment is protected.
This is another part of the Agreement that cannot be
changed.
This payment will be included in your weekly
payment.

18. Safety! If you are involved in an accident,
be sure obtain the following:
A copy of the accident report
Names, addresses and phone
numbers of everyone involved
The other party’s insurance name,
policy number and agent
information
TAKE AS MANY PICTURES AS
POSSIBLE

19. Compliance Department
1. You must use the 2290 under the name NTF
(National Truck Funding) Do not get a 2290 on
your own
2. Our in-house dedicated Compliance Department
will provide tags and IFTA stickers
3. By running with a NTF tag, you are able to haul for
anyone you want within all 48 states

20. Easy Pay Plans for 2290 & Tag
Option 1. Pay $2,499 in full and save money
Option 2. Pay $999 down and $189 for 9 weeks
Option 3. $499 down and $199 for 15 weeks
Option 4. $740 down and $89 a week for the contract
term (261 weeks)
IFTA is a separate charge