GPS-SID Dealer-Partner Toolkit The information you need to participate in the GPS-SID Program.

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TTaabbllee ooff CCoonntteennttss:: GPS-SID TOOLKIT FOR DEALER-PARNTERS Section 1 – GPS-SID TOOLKIT INTRODUCTION Page 3 -5

• GPS-SID BENEFITS Page 3

• WHAT FUNCTION DOES A GPS-SID UNIT OFFER? Page 3

• WHO ARE OUR GPS-SID PROVIDERS? Page 3

o Guidepoint Page 4

o GoldStar GPS Page 5

Section 2 – PROGRAM PARTICIPATION Pages 6 - 15 1. ENROLL IN THE PROGRAM Page 6

2. ORDER MATERIALS Page 7

3. ORIGINATE A CONTRACT Pages 8 - 15

• Advance Impact Page 9

• Business Approach Page 9

• Talking to Customers Page 10

• Installation Instructions – Guidepoint Pages 11 - 12

• Installation Instructions – GoldStar GPS Pages 13 - 14

• Activation Instructions Page 15

4. MAINTENANCE Page 15

Section 3 – CONTACT INFORMATION Page 16 • CREDIT ACCEPTANCE Page 16

• GPS-SID PROVIDERS Page 16

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SSeeccttiioonn 11-- GGPPSS--SSIIDD IINNTTRROODDUUCCTTIIOONN Credit Acceptance offers our dealer-partners - in 23 states and growing - the ability to add a Global Positioning System (GPS) with a Starter Interrupter Device (SID) to a vehicle. We offer two approved vendors, Guidepoint and GoldStar GPS. This technology offers multiple benefits to both you and your customer. All of which are addressed within this kit, in addition to the basic information and simple instruction needed to understand and participate in the program. GGPPSS--SSIIDD BBEENNEEFFIITTSS:: • Dealer-Partner Benefits:

o Less paperwork - Proof of Residence stipulation is waived o Quicker recovery in the event repossession is necessary o Average increased initial profit of $550

• Customer Benefits: o Quicker location of the vehicle in the event the vehicle is stolen o Improved customer behavior via encouraging on-time payments (improving credit) o Possible reduced insurance premiums

WWHHAATT FFUUNNCCTTIIOONN DDOOEESS AA GGPPSS--SSIIDD UUNNIITT OOFFFFEERR?? There are several functions that the GPS-SID device will provide: 1. Warns customers who miss a payment

o The warning chime begins on the second day the payment is past due

2. Disables the vehicle starter if delinquency persists o 10 days without payment or promise to pay, the vehicle starter is disabled on day 11*

3. Locates a vehicle for repossession o 12 days without payment or promise to pay, the vehicle is assigned to the Credit

Acceptance Repossession department on day 13* Please note: • The vehicle starter can be enabled at anytime during the process via payment/promise • The customer receives one “emergency” start each month

* Timing is adjusted as necessary to accommodate state cure law

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WWHHOO AARREE OOUURR GGPPSS--SSIIDD PPRROOVVIIDDEERRSS?? We offer two approved vendors, Guidepoint and GoldStar GPS. See pages 4 & 5 for further information.

Guidepoint:

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GoldStar GPS:

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SSeeccttiioonn 22 -- PPRROOGGRRAAMM PPAARRTTIICCIIPPAATTIIOONN:: There are four key steps to participating in the GPS-SID program: 1. EENNRROOLLLL IINN TTHHEE PPRROOGGRRAAMM – To officially enroll in the program, fill out the GPS-SID

Enrollment & Order Form (as seen below) which is available from your MAM and then follow the submission instructions at the bottom of the form. This will act as a request to participate and you should expect to receive a user name and password from either vendor within about 48 hours.

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2. OORRDDEERR MMAATTEERRIIAALLSS – Dealer-Partners should order GPS-SID units directly from our

vendors Web sites: • Guidepoint at: http://www.guidepointsystems.com • GoldStar GPS at: http://my.goldstargps.com

Units cost $275 per unit, shipping charges vary (see below charts).

Guidepoint Shipping Changes

Units Ground 2nd Day Overnight 5 units or

less $0.00 $ 35.00 $ 70.00

6-15 units $0.00 $ 52.50 $ 87.50 16 units or

more $0.00 $ 87.50 $ 105.00

Please Note: Rates are for orders paid by credit card or on terms. A flat $10 surcharge per order will be added to each C.O.D. order to cover direct costs for C.O.D. tags and processing.

GoldStar GPS Shipping Charges Units Ground 2nd Day Overnight

5 units or less $0.00 $4 per unit $9 per unit

6-15 units $0.00 $4 per unit $9 per unit 16 units or

more $0.00 $4 per unit $9 per unit

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3. OORRIIGGIINNAATTEE AA CCOONNTTRRAACCTT – To learn how to originate a contract, you can watch an

instructional video located within CAPS found on the Step 3 screen by clicking the “Video Help” button or by referencing the following instructions.

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OORRIIGGIINNAATTEE AA CCOONNTTRRAACCTT –– ccoonnttiinnuueedd…… HHooww wwiillll GGPPSS--SSIIDD iimmppaacctt mmyy aaddvvaannccee?? Average advance amounts are listed below. Some advance amounts calculated in CAPS will be higher or lower than the listed averages and may range from $0 to more than $1,400. Average impact on advance: Portfolio: $558 Purchase: $591 Collection Only: $0 (There is no advance with Collection Only accounts) Investment: GPS-SID unit: $275 Average installation charges: $30 Shipping & freight charges: Amounts vary (see ordering materials for details) Note: It is a violation of both state and federal law to pass any GPS-SID related costs onto the customer without including such costs in the finance charge. Accordingly, dealer-partners may not charge a customer any type of fee whatsoever or raise the price of the vehicle for the cost and/or installation of a GPS-SID unit installed in a financed vehicle. Increased Collections: As of July 2008, there has been an average 5.5 percent increase in collections for participating dealer-partners. WWhhaatt iiss tthhee bbeesstt bbuussiinneessss aapppprrooaacchh ffoorr aaddddiinngg aa GGPPSS--SSIIDD ddeevviiccee?? When working in CAPS, we recommend dealer-partners add a GPS-SID unit to every deal in order to determine if adding the unit makes good business sense. This decision can be determined by seeing how adding the unit impacts the Initial Funding and “structure” of the deal, for example: • If CAPS calculates an advance that’s more than the initial $275 investment (analysis

indicates this may happen 94% of the time), then it should be economically sound and an easy decision to make.

• If CAPS calculates an advance that’s less than the initial $275 investment (analysis indicates this may happen 6% of the time due primarily to the contract size being too small and / or the term being too short), consider if it is a good investment.

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OORRIIGGIINNAATTEE AA CCOONNTTRRAACCTT –– ccoonnttiinnuueedd…… HHooww ddoo II ttaallkk ttoo mmyy ccuussttoommeerrss aabboouutt GGPPSS--SSIIDD?? Dealer- Partners are required by law to clearly inform the customer about the device. A direct dialogue with customers that outlines the benefits and highlights the consequences if they stop making payments is recommended. Here are a few additional items to remember: • A disclosure form must be included with the contract paperwork. A copy is available via

the Ancillary Products Screen in CAPS • The disclosure form is specific to individual states so make sure you have the correct

version • Use a “Collection Close” and highlight the customer benefits (see Section 1) HHooww ddoo II iinnssttaallll aa GGPPSS--SSIIDD uunniitt?? Proper installation is critical to maximizing the benefits from adding a GPS-SID unit to a vehicle (e.g. increased collections). If the recommended instructions are not followed, the unit will not perform as it is intended and the benefits – including increased collections – will not take place (and the accounts will under perform expectations). Each vendor has unique step-by-step instructions to follow for their individual units. • See pages 11 and 12 for Guidepoint installation instructions • See pages 13 and 14 for GoldStar GPS installation instructions

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OORRIIGGIINNAATTEE AA CCOONNTTRRAACCTT –– ccoonnttiinnuueedd…… HHooww ddoo II aaccttiivvaattee aa GGPPSS--SSIIDD uunniitt – Dealer-Partners can activate a unit right from either vendor’s Web site. Log on and follow the step-by-step process. Some best practices to keep in mind are: • Select the correct serial number from the drop down list • Enter the correct account number • If you enter in either of these numbers incorrectly or encounter issues, contact the DPSC

Support Team 1-800-729-7633, press 6 for Dealer Support

4. MMAAIINNTTEENNAANNCCEE – There is very little interaction required with a GPS-SID unit once it is

properly installed and activated. In the event the vehicle contract is paid off, the unit will automatically be deactivated. If the customer makes a request to have the unit removed (only after the account is paid in full) the dealer-partner must accommodate the request.

PPrroocceedduurreess ffoorr CCaanncceelliinngg GGPPSS--SSIIDD DDeeaallss:: In the event a GPS-SID unit is installed and activated and then needs to be canceled: • Call the DPSC Support Team 1-800-729-7633, press 6 for Dealer Support • Once the deal is cancelled, the ESN will not reappear in the ESN drop down menu • When you are ready to reassign the vehicle or ESN to another customer, call DPSC at 1-

800-729-7633, press 6 for Dealer Support with the new customer’s account number. The ESN will be reassigned to the new customer at that time.

It’s important to note that GPS-SID devices are for one time use only. Once a deal reaches a certain status, a GPS-SID device may not be reused or sold back into circulation, this includes: • Repossessed accounts • Paid-off accounts • Total Loss Deals • Cancelled after 90 days

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SSeeccttiioonn 33 -- CCOONNTTAACCTT IINNFFOO Call the DPSC Support Team 1-800-729-7633, press 6 for Dealer Support for questions or assistance with: • Finding the correct ESN in the ESN Drop Down List • Correcting or changing a customer account number associated with an activated ESN • Moving SID inventory (ESN’s) from one dealership lot to another Contact Guidepoint at: 1-877-GPS-FIND (477-3463) or GoldStar GPS at: 1-877-563-0040 for questions or assistance with: • Device Installation • Device Activation • Defective Devices