oneil_ex4

Exhibit 4: Lease or BuyInput Range

Instructions: You may find information about leasing or purchasing an auto from one of these sites.
www.carpoint.msn.com www.autogiant.com www.carsdirect.com www.driveoff.com www.leaseguide.com www.carinfo.com www.leasespy.com
Input variables
General information:
Employee or self-employed (1 or 2) Monthly payments in year 1 Marginal tax rate Sales/Use tax Qualified business use % Discount rate	2 12 39% 7.05% 80% 8%
Purchase information:
Purchase price, before sales/use taxes Downpayment Interest rate, if financed Number of monthly loan payments	$37,730 $250 8.15% 60
Lease information:
Number of monthly payments Fair market value Monthly payment, before sales/use tax Downpayment Residual value/Trade-in allowance Lease termination fee	60 $37,730 $ 609.67 $250 $10,326.25 $350

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