Slide 1 Dealer Council Meeting May 2007

Slide 2 EasyPay Marketing - Introduction During the 1950’s and 60’s the Auto Manufactures and dealers wanted to sell more cars, but there was little or NO automotive financing. Slowly we moved to 24, 36, and then 48 month financing in the 70’s. The Early Beginnings of Financing

Slide 3 EasyPay Marketing - Introduction In the early 1980’s to make the payments smaller, we moved to 60 months and allowed the consumer to participate in the responsibility of the future minimum value of the car... it was known as Balloon / Note Financing or an Open End Lease. The Early Beginnings of Financing

Slide 4 EasyPay Marketing - Introduction In the late 80’s, the Auto Manufacturers got involved in Leasing and took the responsibility of the future minimum value of the car or truck and thus was created the Closed End Lease. The Early Beginnings of Financing

Slide 5 EasyPay Marketing - Introduction The captives (GMAC, Ford Motor Credit, Chrysler Credit and then the Import Manufacturers also started their own Captive Finance Companies) created easier financing with less cash needed to either finance or lease—to keep the manufacturing process working at full capacity. The Financing Process Evolves

Slide 6 EasyPay Marketing - Introduction The industry continued to move to longer and easier financing (60/72/84) months to keep the process moving into the 1990’s. The customer made the payment for a couple of years, then the bug for a new car hit. After trying to trade it, they find out they are upside down. So with no other option, they keep the car longer, which leads to frequent repair costs (in addition to the monthly car payment). Many of these customers get so fed up, they let it go “repo.” The Financing Process Evolves

Slide 7 EasyPay Marketing - Introduction In the late 90’s and especially in the new Millennium the consumer really abused and squandered their credit rating. Thus enter the Sub-Prime financial institutions to continue the bad and delinquent credit, higher repossessions, and higher costs to the consumer. Longer and Easier Financing = Trouble for the Consumer

Slide 8 EasyPay Marketing - Introduction WANT, not NEED, is a big part of this country’s philosophy; Business / Advertising / Marketing plays into this. Greed at it’s simplest form is want, which is not bad, but can easily result in financial trouble / bad credit. Longer and Easier Financing = Trouble for the Consumer

Slide 9 EasyPay – Financing Solutions EasyPay Credit Coaching In the past 20 + years the Americans have become very conscious of their health, weight, mortality, food we eat, diet, relationships, etc. We have hired life coaches, athletic trainers, relationship counselors, and yoga instructors. Organic food has their own aisle in the grocery stores, and “How to” books are on Oprah all the time. However, despite the overall change in society, the discipline is still left up to the individual to follow through.

Slide 10 EasyPay – Financing Solutions EasyPay Credit Coaching Through EasyPay’s Credit Coaching, we have the ability to HELP, encourage, and repair consumer credit, show the consumers how to be disciplined financially, and as a result, keep things moving for the Dealers and the Manufacturers.

Slide 11 EasyPay – Financing Solutions EasyPay Payment Solution Many people have a maximum monthly payment in mind when they arrive at the dealership. In the past, if the numbers just wouldn’t work out using normal financing options, the customer would just walk. Now, with EasyPay ’s weekly payment plan, a four week total can fall well within their predetermined monthly payment schedule.

Slide 12 EasyPay – Financing Solutions EasyPay Payment Solution When given the tools to succeed, our job gets easier. Until the weekly payment option is brought to the table, you simply haven’t tried every financing avenue. You owe it to yourself to add EasyPay to your closing arsenal. After all, both you and the customer are after the same result: you both want them in a new car. Make it easy on yourself with EasyPay.

Slide 13 EasyPay – Here’s How It Works EasyPay Payments Simplified Fifth Third Bank, one of nation’s largest ACH provider, generates all Automated Clearing House (ACH) transfers. All electronic trans- missions are encrypted for additional protection. Fifth Third Bancorp is a diversified financial services company headquartered in Cincinnati, Ohio. The Company has $104.6 billion in assets, operates 19 affiliates with 1,106 full-service Banking Centers, including 125 Bank Mart ® locations. Fifth Third Bank will pay the vendors.

Slide 14 EasyPay – Here’s How It Works EasyPay Payments Simplified EasyPay utilizes its own proprietary software and operations staff to perform all processing and provides dealership and customer support. EasyPay systems and software design meets or exceeds Federal Regulation E standards and the National Automated Clearing House Association’s (NACHA) rules and regulations.

Slide 15 EasyPay – Let’s Get Started EasyPay’s Commitment EasyPay Marketing is committed to bringing NEW, REFRESHING, STATE of the ART CONCEPTS, PROGRAMS and various INFOR- MATIONAL TOOLS that will allow your organization the ability to maximize a very positive RETURN from the $$ INVESTMENT $$. Let's capture that unused revenue and give your sales people another closing opportunity. If you don’t, the next guy will. Talk with Elliot Kahana today

Slide 16 Dealer Council Meeting May 2007