1. The New E-Contracting Solution June 1st, 2010

2. Who Are We Intersection Technologies, Inc. is a partnership of Advent Resources and key management that is focused on full development, marketing, and exploitation of key technology that links point-of-sale data/images to key business partners. www.FandIExpress.com Advent Resources, Inc was established in 1988 and is a leading provider of thoughtful and high value software solutions for the automotive retail environment. Located in San Pedro, California, Advent serves hundreds of clients including some of the largest dealerships in the US and Canada. www.Adventresources.com Intersection Technologies, Inc. Proprietary and Confidential

3. What is E-Contracting E-Contracting can mean different things to different people: PDF that is printed PDF that is printed from an electronic smart form Completion of an electronic form that is digitally signed and stored in a electronic vault. Rating process E - Contracting Will Evolve

4. E-F&I Office of the Future

5. Electronic Aftermarket Contracts Survey of over 30 of the top aftermarket administrators - 100% indicated that they wish they were 100% electronic today. The percentage of the contracts being done electronically ranged from 0%-40% with the average around ~15%. Many who were doing part electronic and part traditional today indicated that having both processes made their business more complicated and costly. None of the companies we have talked to had “line of sight” to 100% electronic contracting.

6. E-Contracting Today Aftermarket Administrator Dealership Aftermarket Administrator Dealership Aftermarket Administrator Dealership Dealership Aftermarket Administrator Dealership Aftermarket Administrator Dealership Aftermarket Administrator Dealership Aftermarket Administrator Multiple websites, multiple user names, multiple passwords, multiple processes

7. F&I Express Common Platform Aftermarket Administrator Dealership Aftermarket Administrator Dealership Aftermarket Administrator Dealership Dealership Aftermarket Administrator Dealership Aftermarket Administrator Dealership Aftermarket Administrator Common Platform for dealers – customized connection to administrators. Dealership Aftermarket Administrator

8. Components of an Industry Solution Dealer goes to one place for ALL aftermarkets products. Data to pre-populate the forms is pulled from dealers DMS. Dealer has common place to access each aftermarket product but each aftermarket company has logic in place to ensure process in place to minimize error rate. Platform is menu/DMS agnostic Easy User Interface for dealer Recognizes role of agent and provides value to making the agents job easier. The benefits of electronic contracting are at least double the costs of implementing solution.

9. Common Platform At Point of Sale What if each Bank needed to have its own ATM Machines?

10. Everyone Uses the Same Data – Why Pay for it 6 Times?

11. Benefits to Aftermarket Administrator of Electronic Contracts Eliminates the printing of forms. Eliminates the distribution costs of forms and allows for real time “pull and replacement” of forms. Eliminates data entry. Reduces error rate of contracts to be processed. Allows for Administrator/Agent to know when a dealer sells a product to a customer – real time! Allows Administrator/Agent to minimize losses by having transparency into dealer receivables. Has the ability for online payment remittance. Robust real time customized reporting. Enhances dealer and end consumer CSI.

12. Agent Benefits Eliminate forms delivery which means smaller car trunks needed. Reduced error rates which saves time from correcting mistakes and errors. Reduces waiting on being paid commissions on edited contracts. Real time reporting to know what product being sold at each dealership. What is the best way to really engage agents in driving E-Contracting?

13. Bottom-Line Whatever is happening today is not the ideal solution for many. Technology is NOT the issue – it is the enabler. There are solutions but we need to clearly define obstacles to define solution set. There can be better communication within industry in regards to a solution. Standards are a part- but not all of solution.

14. F&I Express Platform is Flexible! Platform has ability to leverage E-Contracting and E-Rating process that any administrator has in place. Recognizes that each administrator has different products, services, and technology. Platform can provide turn key solution for all aspects of E-Rating and E-Contracting. Resources experienced with working in web services or mainframe systems. One size does not fit all!

15. The F&I Express Process F&I Manager finalizes deal. F&I Express integrates into dealer DMS, F&I System, or Menu system to pull in the data to populate the electronic aftermarket contract. F&I Express SmartForms technology validates data and retrieves rating if needed. Dealer can electronically close deal with electronic signature or print off completed form for customer signature. Once deal is finalized, the data and image are available to the Agent and Administrator of the product.

17. electronically validates and registers F&I ContractsSale of Aftermarket F&I Products are processed and submitted to vendors in real time. 3. Electronic Report & Remittance Intersection Technologies, Inc. Proprietary and Confidential

18. Benefits of F&I Express for Dealers 4. F&I Express communicates with vendors rating systems 5. Increases CSI to Dealer by reducing time in F&I Office 6. Vendors F&I Contracts are archived in F&I Express Intersection Technologies, Inc. Proprietary and Confidential