first vehicle

DAWN: We’ve changed quite a lot here at the Royal Car Club since you were last a member.
GAVIN: Oh?
DAWN: We now have four different levels of membership starting at Blue, then moving through Bronze to Gold.
GAVIN: What does that mean exactly?
DAWN: Well, you get a different level of service and different benefits depending on what you choose. Of course that is reflected in the annual fee—the more benefits, the higher the fee.
GAVIN: I see.
DAWN: The Standard Club Care comes with a 5% discount at Bronze level and a 7.5% discount at Silver level.
GAVIN: And Gold?
DAWN: If you own more than one car, I’d recommend the Gold level because you only pay half the fee on your first vehicle.
GAVIN: I’m not sure I need that.
DAWN: Well, Bronze and Silver have 10 and 20 dollars off the Insurance fee but with the Gold membership... say you had an accident and your car was badly damaged or off the road for any length of time...you’d be eligible for car hire at no extra cost.
GAVIN: Mum, that’s good.
DAWN: There’s one more thing. If you need to borrow money to purchase a new car, we offer personal loans at a reduction off the general applicable rate. These start at point two five percent, go up to half a percent Bronze level and increase to point seven five percent at the next level. Gold has a whopping 1.25 percent reduction on the applicable rate.
GAVIN: Well, that is something I should consider perhaps. Thanks for your help, I’ll think it over and let you know.