Bank One President Ed Tinsley says that, in contrast to the leasing pullout wave that began last year, the Phoenix-based lender is staying in the field with longer-term leases of preferably 48 to 60 months.

It has established a remarketing team for off-lease vehicles, promotes subprime financing and is helping its 5,000 to 6,000 dealer clients upgrade their web sites to speed F&I application processing. Bank One exited the retail field last October in the Northeast and Northwest.