Americredit Automobile Receivables Trust 2002-E-M Sample Contracts

Americredit Automobile Receivables Trust 2002-E-M – AmeriCredit Automobile Receivables Trust 2002-E-M Class A-1 1.81875% Asset Backed Notes Class A-2A 2.16% Asset Backed Notes Class A-2B Floating Rate Asset Backed Notes Class A-3A 2.97% Asset Backed Notes Class A-3B Floating Rate % Asset Backed Notes Class A-4A 3.67% Asset Backed Notes Class A-4B Floating Rate Asset Backed Notes Preliminary's Servicer's Certificate (December 16th, 2002)

This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among AmeriCredit Automobile Receivables Trust 2002-E-M, as Issuer, AmeriCredit Financial Services, Inc., as Servicer, AFS SenSub Corp., as Seller, and Bank One, NA, as Backup Servicer and Trust Collateral Agent, dated as of October 18, 2002. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents.

Americredit Automobile Receivables Trust 2002-E-M – AmeriCredit Automobile Receivables Trust 2002-E-M Class A-1 1.81875% Asset Backed Notes Class A-2A 2.16% Asset Backed Notes Class A-2B Floating Rate Asset Backed Notes Class A-3A 2.97% Asset Backed Notes Class A-3B Floating Rate Asset Backed Notes Class A-4A 3.67% Asset Backed Notes Class A-4B Floating Rate Asset Backed Notes Preliminary Servicer's Certificate (November 14th, 2002)

This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among AmeriCredit Automobile Receivables Trust 2002-E-M, as Issuer, AmeriCredit Financial Services Inc., as Servicer, AFS SENSUB Corp., as Seller, and Bank One, N.A., as Backup Servicer and Trust Collateral Agent, dated as of October 18, 2002. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents.

Americredit Automobile Receivables Trust 2002-E-M – Page ---- ARTICLE I Definitions................................................ ......................................1 SECTION 1.1. Definitions............... ...........................................................1 SECTION 1.2. Other Definitional Provisions.......................................................20 ARTICLE II Conveyance of Receivables...................................................... ................21 SECTION 2.1. Conveyance of Receivables...........................................................21 SECTION 2.2. [Reserved]................................................. (November 8th, 2002)

EXHIBIT 4.3 EXECUTION COPY SALE AND SERVICING AGREEMENT among AMERICREDIT AUTOMOBILE RECEIVABLES TRUST 2002-E-M, Issuer, AFS SENSUB CORP., Seller, AMERICREDIT FINANCIAL SERVICES, INC., Servicer and BANK ONE, NA Backup Servicer and Trust Collateral Agent Dated as of October 18, 2002 -------------------------------------------------------------------------------- TABLE OF CONTENTS

Americredit Automobile Receivables Trust 2002-E-M – Page ---- ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE.....................................................3 SECTION 1.1 Def initions....................................................................... 3 SECTION 1.2 Incorporation by Reference of Trust Indenture Act................................11 SECTION 1.3 Rules of Construction............................................................11 ARTICLE II THE NOTES........................................................... .........................12 SECTION 2.1 Form........................................................................ (November 8th, 2002)

EXHIBIT 4.1 EXECUTION COPY ================================================================================ AMERICREDIT AUTOMOBILE RECEIVABLES TRUST 2002-E-M Class A-1 1.81875% Asset Backed Notes Class A-2-A 2.16% Asset Backed Notes Class A-2-B Floating Rate Asset Backed Notes Class A-3-A 2.97% Asset Backed Notes Class A-3-B Floating Rate Asset Backed Notes Class A-4-A 3.67% Asset Backed Notes Class A-4-B Floating Rate Asset Backed Notes ---------------------- INDENTURE Dated as of October 18, 2002 ---------------------- BANK ONE, NA Trustee and Trust Collateral Agent ================================================================================ TABLE OF CONTENTS

Americredit Automobile Receivables Trust 2002-E-M – NOTE GUARANTY INSURANCE POLICY (November 8th, 2002)

Exhibit 4.4 [MBIA Logo] NOTE GUARANTY INSURANCE POLICY POLICY NUMBER: 39445(1) OBLIGATIONS: AmeriCredit Automobile Receivables Trust 2002-E-M Automobile Receivables Backed Notes $292,000,000 Class A-1 Notes $140,000,000 Class A-2-A Notes $267,000,000 Class A-2-B Notes $100,000,000 Class A-3-A Notes $540,000,000 Class A-3-B Notes $160,000,000 Class A-4-A Notes $201,000,000 Class A-4-B Notes MBIA Insurance Corporation (the "Insurer"), in consideration of the payment of the premium and subject to the terms of this Note Guaranty Insurance Policy (this "Policy"), hereby unconditionally and irrevocably guarantees to any Owner that an amount equal to each full and complete Insured Payment will be received from th