Key Strategic Elements

• The Company takes tremendous pride in the superior service and professionalism we offer both our customers and our dealer community.
  
• The Company provides automobile dealers a source to sell high yield automobile contracts that are currently not being sold because the contracts fail to meet the requirements of current scoring models.
  
• The Company evaluates every application on an individual basis rather than a scoring model. Scoring models batch the credit tendencies of applicants into a standardized point system. The Company takes the time and expense to intensively screen those customers who do not meet the minimum standards of scoring models and offer credit.
  
  

Competitive Advantage

• The Company is better able to service both customers and dealers because management has extensive experience servicing the Chicago automotive finance industry.
  
• The Company's management interviews each customer prior to funding a contract. The customer interview gathers information that credit bureaus and credit applications miss and thus permits the financing of customers other financial sources have turned down.
• Company management carefully screens each dealer for inclusion in the Company's financing program. By focusing on quality rather than volume the Company is able to be more selective in our dealer relations.
  
• The Company maintains a collection effort based on problem solving. The Company works with customers to improve credit ratings that allow the customers to pass scoring models on their next auto purchase.