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All Payments exclude government fees and taxes, any finance charges, a negotiable documentary service fee in an amount up to one hundred and fifty dollars may be added to the sale price
, and any emission testing charge. The price for listed vehicles as equipped does not include charges such as: License, Title, Registration Fees, State or Local Taxes, Smog Fees, Credit Investigation, Optional Credit Insurance, Physical Damage of Liability Insurance, or Delivery Fees.