The Holden Guaranteed Value product (HGV) consists of a loan with a final balloon payment, with an option to return your vehicle to Holden Financial Services (HFS) at the end of the loan term, requiring HFS to purchase the vehicle for an agreed amount as determined by HFS (the guaranteed value amount) equivalent to the final balloon payment. This amount will be applied towards your final balloon payment. At the end of your loan term you can decide to: (A) Return the vehicle to HFS who will purchase your vehicle for the guaranteed value amount (which may be reduced, and you will be liable for any loan contract deficit, if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition in accordance with the Fair Wear and Tear Guidelines); (B) trade in the vehicle; or (C) keep the vehicle by paying the guaranteed value amount. The guaranteed value amount is not a representation by HFS as to the likely market value of the vehicle as at the end of your loan contract. The option is available on new and approved demonstrator Holden vehicles.