Introducing Automotive Banking Solutions

1. Introducing Automotive Banking Solutions Automotive Complete Solutions, Inc Easy – Efficient - Affordable

2. Why Provide A Finance Option? With market share declining, independent dealers cannot afford to miss any sales opportunities simply because they cannot provide funding • According to CNW Research, independents posted sales of 2.975 million used vehicles in October 2007, significantly down from the more than 4.5 million units moved in September 2007 * • ‘‘Franchised dealers … are concentrating on used cars as a source of profits as new-car sales decline and service business is crimped by longer-life vehicles requiring less maintenance. Unfortunately, for independent dealers, their franchised brethren are scouring auctions and sucking up anything that might sell quickly and for a modest profit.’’ * *Source: AutoRemarketing.com, November 2007

3. Maximize Profit on Every Deal “Financing remains the largest profit center per transaction.”

4. Off-site Desk Manager • We are just a simple click away. We will review the deal, get it approved and send back a deal structure. • All the dealer needs to do is print the paper work and have the customer sign it.

5. In House Financing Solutions • Credit Check: Run your credit bureaus through the 3 major bureau providers • Credit Application: Submit application data and receive credit decisions in seconds • Lender Participation: Increase your potential profit per deal by using our financing sources • Inventory Management: Simplify your inventory management • Documentation: Easily print all of your contracts and documents

6. Credit Reporting Access to the 3 credit reporting agencies and integration with the credit application.

7. The Credit Application Simple application flow Easy to use worksheet for structuring your deals

8. Application Monitor Credit decisions quickly and readily displayed in single page monitor.

9. Profit Calculator The profit calculator conveniently shows a dealer where their grosses are being made and profit potential in other areas.

10. Document Printing Easily create documents regularly used in the buying process

11. What Is VEHICLEXPRESS? • Our DMS was designed to accommodate the small independent auto and powersports dealer but has all the capability required by large franchise dealerships. • The DMS gives auto and powersports dealers instant access to their inventory, customers, branches, employees and deals. • This system gives you total control your accounting, billing and collections, compliance and regulations as well as offering a comprehensive library of forms and reports. • You can also work with lenders across the nation within a comprehensive web-based lending platform that handles all of your F & I needs.

12. Benefits and Features • Manage inventory in multiple locations • Powerful VIN decoder • Floor plan tracking • NADA and Manheim auction valuations • Upload inventory to Auto Trader, Cars.com and other web sites • One time application key in to access multiple lenders • Plain paper contracting and impact printing capabilities • BHPH module • Collections tools • 24/7 access to your dealership from any web connection • No software to install or update • RTO module

13. Servicing The Dealership • Sales • Pull credit reports through Experian, Equifax and TransUnion • Vehicle valuations through Manheim, NADA and BlackBook • VIN Decoder software • Web access to prime through sub-prime lenders • Sales of ancillary products with a robust F&I Menu Selling System • Print Laser and Dot Matrix documents • Profit Calculator • Access to XpressCredits Credit Aggregation System • Buy Here Pay Here • Collection tools • Account noting capabilities • Payment booklets • Promise to pay reminders • Collections queues • Compliance • Manage inventory • Lead and customer management • Upload inventory on web (Autotrader, Cars.com and Ebay) • History Reports and History Details • Ability to print window stickers • Red Flag Compliance • Customizable security access • Interface with QuickBooks