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AUBURN HILLS - Volkswagen Bank USA, a subsidiary of Volkswagen Credit Inc., opened Jan. 10. Incorporated as an industrial loan company in Utah, it is headquartered in Salt Lake City and provides financial services throughout the country. "The bank's strategic vision is to enhance the lifelong relationship with Volkswagen and Audi customers," said the bank's President/CEO Raymond Specht. "This will be accomplished by offering a wide range of financial services over the coming years."