ST Non-Prime Auto Financing · provides new data insights throughout the lifecycle of the loan. To ﬁnd out more, visit us at , or call us at (817) 877-0077. FactorTrust is dedicated

Optimizing Non-Prime PerformanceMay 31 - June 2, 2017

Auto FinancingCONFERENCE

Non-Prime ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL21 ANNUAL21 ST

Register now atnafassociation.com

GOLF EVENTThe Tribute Golf Club, Wednesday, May 31, 2017

van Wagenen

Executive Sponsor

Corporate SponsorsGrand Corporate Sponsor

The Alternative Credit Bureau

H U D S O NC O O K

P O W E R E D B Y:

Discover the Dealertrack Network dealertrack.com/lendersolutions | 888.708.1369

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Dealertrack Lender SolutionsDealertrack delivers the most comprehensive automotive retail lending solutions. Powered by North America’s largest dealer-lender network, and integrated to drive connectivity, no other solution is more trusted or precise in creating

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Originations | Contracting | Vehicle Title Management

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NAF Association 21st Annual Conference | www.nafassociation.com 3

Register online now at www.nafassociation.com.

SCHEDULE OF EVENTS WEDNESDAY, MAY 317:30AM-1:00PM Golf Event 11:00AM-3:00PM Exhibitor Set Up 2:30-4:00PM NAF Association Board Meeting 3:00-7:00PM Registration 4:00-4:30PM NAF/AFSA Non-Prime Auto Financing Survey4:30-5:30PM The One Minute Pitch - Vendors Talk5:30-7:00PM Opening Reception

THURSDAY, JUNE 17:00AM-7:00PM Registration 7:00-8:00AM Breakfast 8:00-8:30AM Opening Remarks8:30-10:45AM Session Presentations 10:45AM-12:45PM Industry Overview and Today’s Legal

Environment Tracks12:45-2:00PM Luncheon 2:00-5:30PM Session Presentations5:30-7:00PM Reception

FRIDAY, JUNE 27:30-11:00AM Registration 7:30-8:15AM Breakfast 8:15-8:30AM Opening Remarks/Membership Meeting 8:30-12:15PM Session Presentations12:15-12:30PM Closing Remarks

We are proud to support the NAF and its efforts to educate and improve our industry



Non-Prime ANNUAL21 ST

The NAF Association celebrates its 21st year of offering the only conference dedicated to the needs of the non-prime auto financing industry. The theme of this year’s conference is “Optimizing Non-Prime Performance”. We’ve identified topics, issues and concerns that are facing non-prime auto financing and have built the conference program to address them. Conference sessions cover raising capital, CFPB activity, collections, compliance, vehicle history reports, electronic contracting and more. The goal is that everyone leave the conference with at least one good idea to take back with them to help to optimize performance.

4 NAF Association 21st Annual Conference | www.nafassociation.com

van Wagenen

Sponsored by

ACI Worldwide, the Universal Payments company, powers electronic payments for over 5,000 financial institutions, billers and processors around the world. ACI’s Bill Payment Solutions enable the auto finance industry to deliver the best multi-channel consumer experience throughout the billing cycle. www.aciworldwide.com

Allied Solutions is proud to be one of the nation’s leading providers of insurance, lending, and marketing solutions for financial institutions and other affinity organizations. We are focused on helping our clients grow, protect and evolve their business. 800.826.9384. www.alliedsolutions.net

American Recovery Association (ARA) is the world’s largest association of compliant recovery and remarketing professionals. ARA members specialize in locating and repossessing collateral on behalf of lending institutions including banks, savings institutions, finance companies, credit unions, rental/leasing companies, and vehicle dealers. www.repo.org

EXHIBITORS and SPONSORS AGENDA (Schedule subject to change. See www.NAFassociation.com for updates.)

we are. counselorlibrary.com877-464-8326

WEDNESDAY, MAY 317:30am-1:00pm: Golf EventJoin us for some Texas hospitality at this year’s NAF Association Golf Event. Registration includes transportation, green fees, cart, lunch and event prizes.

11:00am-3:00pmExhibitor Set-Up

2:30-4:00pm NAF Association Board Meeting

3:00-7:00pm: Registration

4:00-4:30pmNAF/AFSA Non-Prime Auto Financing SurveyDwayne Furmidge, Director Americas, Benchmark Consulting InternationalAttend and hear an overview of the NAF Association’s 21st Annual Non-Prime Automotive Financing Survey. The NAF Association has collaborated with AFSA to produce this report where over 50 companies provide operating data on their operations. Information from Trans Union and Factor Trust non-prime auto financing databases is integrated into the report to


Anderson Brothers Bank, a full service commercial bank established in 1933. We offer indirect auto financing to auto dealers in South Carolina for prime and non-prime customers. Contact us at 843 464-6271. www.abbank.com

BillingTree Technology focused payment solutions company providing innovative products and services enabling organizations to increase efficiency and decrease costs of processing payments. BillingTree understands the marketplace and growing payments with technology, helping merchants accept multiple payment channels while offering comprehensive value. Visit MyBillingTree.com.

Cascade Capital The Cascade365 Family of Companies provides account receivable solutions to the auto finance industry. Solutions include AR purchase/finance, master servicing and third party collections. We believe in promoting financial accountability while treating consumers in a fair, dignified, lawful manner. www.cascade365.com

Clarity Services Inc. specializes in real-time data reporting for subprime consumers to help lenders assess their creditworthiness. Clarity’s solutions give organizations enhanced visibility into underbanked consumers and assists lenders in their underwriting process. www.clarityservices.com

EXHIBITORS and SPONSORS

enhance the amount of information provided. This session will provide insights into the industry that are not available anywhere else. The report provides a comprehensive overview of the non-prime auto financing industry and is an excellent benchmarking tool. Don’t miss the opportunity to hear about the latest non-prime auto financing marketplace trends.

4:30-5:30pmThe One Minute Pitch – Vendors TalkRick Sly, Editor, Non-Prime Times MagazineOur exhibiting companies are here to help you sustain and grow your business to maintain your competitive edge. They’ve got 60 seconds to present how they can do just that. Seize the opportunity to evaluate the products and services that make up our exhibit room! Be prepared to note the companies and booths you will want to visit. Three drawings for cash prizes will be held throughout the session for eligible participants.

5:30-7:00pmOpening Reception: Exhibits Open

7:30pm Board Appreciation Dinner (by invitation)

Sponsored byThe Alternative Credit Bureau


CoreLogic (NYSE: CLGX) is a leading property information, analytics and solutions provider. The company’s public, contributory and proprietary data includes over 4.5 billion records spanning more than 50 years. CoreLogic is headquartered in Irvine, CA. www.corelogic.com

CounselorLibrary.com, LLC, an affiliate of the Hudson Cook, LLP law firm, is the leading compliance resource for consumer credit finance and privacy laws, providing comprehensive coverage and analysis of existing laws and regulations, legislation and litigation. 1-877- 464-8326; www.counselorlibrary.com

Dealertrack, a Cox Automotive brand, delivers integrated software solutions and services designed to enhance efficiency and profitability for automotive retailers and lenders, including captive lenders, finance companies, national, regional and community banks, and credit unions. www.dealertrack.com

DebtTrader.com: DebtTrader is a revolutionary online debt marketplace, empowering issuers of defaulted and charged off accounts to liquidate through a single turn-key solution. DebtTrader is fueling a major technological shift that strengthens compliant and competitive partnerships between sellers, buyers, and collection agencies. www.DebtTrader.com

EXHIBITORS and SPONSORS AGENDA (Schedule subject to change. See www.nafassociation.com for updates.)

THURSDAY, JUNE 17:00am-7:00pmRegistration

7:00-8:00amBreakfast

8:00-8:30amOpening RemarksJack Tracey, Executive Director, NAF Association; Mark Floyd, Chairman, NAF Association

8:30-9:30amCFPB in Their Own WordsCalvin Hagins, Deputy Assistant Director for Originations, Consumer Finance Protection Bureau (CFPB); Michael Benoit, Chairman, Hudson Cook, LLPThe CFPB is well into its efforts to supervise the vehicle finance industry and have completed examinations of a number of companies. Hear from the CFPB leadership about the quality of compliance the agency is seeing, the trends it is observing and takeaways for your company as you prepare for your next exam.

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9:30-10:15amCapital AvailabilityJay Brinkley, Consumer Finance Group, Wells Fargo Securities, LLC; Mark Floyd, Chariman, NAF AssociationExpansion in credit availability to the subprime borrower has been strong over the past few years. However, a maturing credit cycle and increasing cost of funds for lenders in ABS could initiate some market consolidation. This panel considers the credit cycle, the availability of capital for finance companies and the potential for consolidation in the industry as the cycle progresses.

10:15-10:45amRefreshment Break

TODAY’S LEGAL ENVIRONMENT TRACKSessions run concurrently with Industry Overview Track

10:45am-12:15pmShifting Sands – A Changing (and Challenging) Legal LandscapeEric Johnson, Partner, Hudson Cook, LLP; Jeff Langer, Consumer Financial Services and Bank Regulatory Attorney; Bill Denius, Shareholder, Killgore Pearlman, P.A.; Steve

defi SOLUTIONS provides the only leading edge, browser-based loan origination system that is completely configurable. defi allows lenders to manage the application lifecycle from a single, highly flexible platform and is affordable, scalable and mobile. Schedule a demo at www.defiSOLUTIONS.com.

DRN’s vehicle location data reduces risk, increases revenue and generates higher portfolio returns. DRN provides new data insights throughout the lifecycle of the loan. To find out more, visit us at www.drndata.com, or call us at (817) 877-0077.

FactorTrust is dedicated to proven analytics and clean credit information providing auto finance companies opportunities to grow revenue, meet compliance regulations and serve consumers with more credit options. At its core is alternative credit data not available from the Big 3 bureaus. www.factortrust.com or call 1-844-205-4111.

FSSI Reduce risk, expedite remittance, and strengthen your compliance strategy with FSSI’s Auto Turnkey Solution. Add more customer value with customizable statement and billing output in print, electronic and mobile formats. Visit fssi-ca.com/turnkey for more details.

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Garnet Capital Advisors specializes in brokering whole loan portfolios. In 2016 Garnet completed over $2 Billion in performing and nonperforming auto, recreational vehicle, and other consumer loans. Garnet’s professionals have decades-long experience doing the hard work to ensure deals close. www.garnetcapital.com

Hatteras Inc., comprised of professionals dedicated to providing the best in the Auto Finance Industry, offers printing, mailing and emailing of Statements, Welcome Packets, Etc. Bringing the best of technology and paper to create a partnership for a better customer relationship. www.4hatteras.com

Jericho maximizes your businesses efficiency by providing real time, accurate and organized information from Analytics and Risk to Compliance, Complaints and Contact Management on our Arc3 platform. Jericho has the information and expertise critical to the success of your enterprise. www.jerichotech.com

Kelley Blue Book, The Trusted Resource, is the vehicle valuation and information source trusted and relied upon by both consumers and the automotive industry. Each week the company provides the most market-reflective values in the industry on KBB.com.

EXHIBITORS and SPONSORS THURSDAY, JUNE 1 cont. (Schedule subject to change. See www.nafassociation.com for updates.)

Levine, Chief Legal and Compliance Officer, Ignite Consulting Partners; Mark Edelman, Managing Member, McGlinchey StaffordThis panel of legal experts will discuss collection issues and best practices, including an exploration of the compliance issues and practices presented by real-world scenarios involving interactions with the customer, ways to manage your employee cyber security risks, Federal Trade Commission changes and challenges, including their new Buyer’s Guide, certified used cars and recall issues and Consumer Financial Protection Bureau auto finance updates.

12:15-12:45pmCompliance–Larger than the CFPBEric Johnson, Partner, Hudson Cook, LLP; Kelly Blankenship, Director of Compliance and Ethics, DXC Technology; David Keene, Director of Compliance and Licensing, Sierra Auto Finance, LLCPanel participants are representatives from the NAF Association’s Best Compliance Practices groups. Attend this session to see what is done in the BCP regional meetings. This quarterly meeting program provides a peer-to-peer learning environment for fellow compliance professionals. Graduates of the NAF Association’s Consumer Credit Compliance Certification program attend the meetings to discuss and resolve compliance issues faced in each of their companies. The sharing of knowledge and collective discussion of problem resolution make these meetings very popular.


LenderLive–As a trusted premier services provider, LenderLive partners with leading vehicle finance companies to transform their day-to-day operations by delivering services and solutions that improve efficiencies, reduce operational errors, and mitigate compliance risk. www.lenderlive.com

Loan Portfolio Servicing (LPS), an Innovate Company, specializes in the management of auto loans and leases. Based in Fort Worth, Texas, LPS has over $700 million in managed receivables and is led by industry veteran Scott France. For more information, visit www.lportsvc.com.

MAK Collections provides cost-effective collection, investigation, and legal solutions on a competitive contingent-fee basis. Their services are dedicated to maximizing your recovery rates and enhancing your company’s overall profitability. Visit www.makpc.com to learn more.

Megasys provides a complete financial accounting package created for the consumer finance industry. Omega is our user friendly browser based Internet solution, intended to streamline account servicing. Our integrated General Ledger and Accounts Payable systems make Omega a complete solution. www.megasys.net


Make more precise lending decisions with deeper data insightsWith an enhanced view of consumers, you can create better terms for you and your customers.

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Today’s Legal Environment Track concludes

12:45-2:00pmLuncheon

TODAY’S INDUSTRY OVERVIEW TRACKSessions run concurrently with Today’s Legal Environment Track

10:45-11:30amDigital Lending Decoded: Enhancing the Subprime Vehicle Finance Process and Improving Business OperationsTheordore Papailiou, Director of Presales & Value Engineering, eOriginal; Michael Onda, Director of Strategic Initiatives, JD Byrider; Brian Reed, President/CEO, F&I Express; Session Moderator: Ace Christian, CEO, SecureCloseDigitally enabled processes and financing are rapidly becoming the new normal for financial institutions all over the world. Attend this session and learn: the benefits of using a virtual closing technology to automate consistent, compliant, fully video recorded contract disclosures that follow the life of the contract, to provide finance companies with confidence when purchasing loans; how digital transaction management can foster trust and due diligence in the face of changing regulation, especially with the uncertainty under the Trump Administration; how the shift to digital lending accelerates


myAutoloan.com is an Internet based, direct-to-consumer lending marketplace utilizing patented technology. With one application, customers can receive up to 4 loan offers in minutes. In our 15th year, we continue to finance new, used, refinance, private party, and lease buyouts auto loans in 48 states. www.myAutoloan.com

Nationwide Skip Experts is a National Skip Tracing & Repossession Company that assists auto lenders, banks, credit unions, insurance companies and investor groups in the subprime markets to minimize losses and maximize their profits back to their bottom lines. www.nationwideskipexperts.com

NCP Solutions, a Harland Clarke Company, offers integrated print, mail and digital solutions tailored to support the delivery of time-sensitive transactional, legal and compliance statements and notifications. www.ncpsolutions.com

The Nortridge Loan System (NLS) is a comprehensive auto and consumer loan servicing, reporting and collection system. Our open architecture allows easy integration with other third-party services. Both an in-house license and hosted/SaaS option is available. www.nortridge.com


loan and sales processes, increases efficiency by reducing the time and energy spent on paper contracts, decreases shipping and printing fees and enables and expedites secondary market asset management.Industry Spotlight: Address what problems finance companies are hoping to solve, what issues they encounter i.e. legal concerns, technology and implementation insights.

11:30am-12:15pmImportant Change at the Financial Accounting Standards Board on the Reporting of Losses will Severely Hit the IndustryEllen Billings, North America Controller, GM Financial; Rob Royall, Partner, Ernst & Young; Moderator: Jim Bass, Director of Vendor Compliance, First Investors Financial Services, Inc.A recent pronouncement of the Financial Accounting Standards Board is going to cause a lot of headaches for nonprime auto finance companies. The decree requires that the full expected net loss of a loan portfolio originated within a month be recognized and reported on that month’s financial statement. However, the corresponding revenue will continue to be spread over the life of the portfolio with only one month’s interest income being reported against the lifetime net losses. This will play havoc when reporting earnings. Come hear our distinguished panel of experts discuss the implications of the change and what you should be doing now to prepare for it.

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PassTime specializes in providing reliable Automated Collections Technology (ACT) and GPS tracking solutions to improve collections and reduce repossessions. PassTime has 24/7 live customer support, and products and solutions designed to meet the highly diverse needs of subprime automotive lenders. www.passtimegps.com

Paymentus provides electronic customer bill payment and e-bill solutions specifically tailored to your needs. In addition to providing web, mobile, IVR and CSR payment options, Paymentus provides communication tools that allow you to influence your customers to pay sooner. www.paymentus.com

PaymentVision is an industry leading financial technology firm that offers a PCI-certified payment gateway that helps businesses accept all forms of payment – credit card, debit card or ACH – via their call center, IVR, online, mobile, or integrated software API. www.paymentvision.com

PDP Group offers tailored automotive risk solutions for lenders. PDP Group’s services include electronic lien and title (ELT) processing, comprehensive nationwide paper title administration, and retail and lease insurance tracking. www.pdpgroupinc.com

Reynolds and Reynolds–Reduce costs and more effectively partner with dealerships in extending consumer financing to car buyers in the F&I office. Stop by to learn


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12:15-12:45pmRecovery Agent CertificationJohn Messiha, Director of Loss Mitigation, Xchange Leasing, an Uber Company; Panelists TBA from NAF Association’s Recovery Agent Certification Task ForceAttend this session to learn more about the latest NAF Association initiative; the standardization of the recovery/repossession process. With the increased scrutiny by the CFPB on the repossession process the auto financing industry has been struggling to identify good recovery companies to assign vehicles to. A task force of finance company professionals has been formed to study the issues and to initially identify good existing compliance training programs or to develop new training material for repossession companies/agents. Also, hear from task force participants about the next steps, confirmation of agent licensing, insurance and bonding and the elements of a thorough site visit.

Today’s Industry Overview Track concludes

12:45-2:00pmLuncheon


about Reynolds’ LAW® Universal Retail Installment Sale Contracts, Universal Lease Contracts, and other dealer documents. www.reyrey.com

RouteOne Connecting thousands of dealers and finance sources in North America for vehicle financing, RouteOne’s platform delivers a comprehensive suite of F&I solutions across multiple channels: in-store, online, mobile and via third-party solutions. More information is available at www.routeone.com.

SecureClose software facilitates E-Contracting by displaying all closing documents, delivering consistent, compliant explanations in English or Spanish reviewed by lawyers, allowing buyers to sign electronically. The process is recorded, and the signed authoritative original documents and video record are stored securely in the SecureClose Vault. www.secureclose.net

Seidberg Law is a full service (Arizona) collection law firm focused on Auto Finance Company recovery of charged off/deficiency accounts; replevin/seizure/forfeiture recoveries and dealer relations. Since 1988 SEIDBERG LAW has represented more than 35 auto finance companies doing business nationwide. www.seidberglaw.com

Shaw Systems has specialized in loan servicing software since 1967. Our highly configurable solution manages every aspect of the servicing life-cycle through delinquency management, recovery, and placement. Our client base includes banks, captive finance companies, credit unions, and specialty lenders. www.shawsystems.com

Solutions by Text The consumer preference for texting provides a low cost solution for billing reminders, “call to action” collection alerts and marketing messages for repeat business. Services now include Pay by Text and SBT Dialogue… equip your collection department with 2-way texting. www.solutionsbytext.com

State National, the leader in collateral protection, introduces Add1 Total Protection. Designed specifically for non-prime lenders, Add1 is an affordable, full-featured insurance program designed for total losses that is easy to administer, provides comprehensive tracking, and delivers superior customer service. www.statenational.com


2:00-2:45pmIt’s All Downhill from Here: U.S. Economic Outlook and ConsumersSteve Szakaly, NADA Chief EconomistThe Fed has begun raising rates and government policy is in flux, the question is are we are the end of this economic expansion. This session will cover the U.S. economic outlook and perspectives on how rising rates and government policy will impact consumers.

2:45-3:30pmVehicle History ReportsMelinda Zabritski, Senior Director, Experian Automotive; Ian Frame, Field Sales, Auto Finance, CARFAX; Moderator: Marguerite Watanabe, President, Connections InsightVehicle history reports (VHRs) have become a crucial component in building trust with used vehicle buyers, sellers and auto financing sources by improving the transparency of the purchase and financing experience. Moreover, vehicle history data is especially important in helping identify fraud, more accurately evaluate collateral values and location information useful in collections, skip-tracing and remarketing efforts. Executives from AutoCheck and CARFAX will share lender best practices for utilizing VHRs to better manage risk by understanding the impact of a vehicle’s history at every stage of the loan life cycle, from loan origination to portfolio review, account management, asset collection and vehicle remarketing.

3:30-4:00pmRefreshment Break

4:00-4:45pmCars, Consumers, and Credit CyclesTom Webb, Economist, Manheim ConsultingThis session will discuss wholesale pricing trends (collateral risk), the economic backdrop (credit risk), and future used unit sales (origination opportunities). Daily interactions with all the players in the automotive ecosystem provide wholesale auctions with a unique vantage point (and data) to discuss these industry trends. In 2017 and beyond, the number of vehicles entering the wholesale market will grow significantly. There will also be big changes in the makes and models, the sellers, and the price points of vehicles being offered. This presentation will document those trends. Tom will also discuss the economic forces that will drive the nonprime used vehicle market.

4:45-5:30pmSecuritizationAmy Martin, Senior Director/Lead Analyst, S&P’s Structured Finance Ratings GroupAmy Martin will discuss trends and outlook for auto ABS issuance, collateral performance, and ABS ratings. Her presentation will also summarize key takeaways from S&P Global Ratings’ recent Subprime Auto Loan ABS Tracker report including vintage analysis for 18 subprime securitizers compared to S&P’s Subprime Auto Loan Static Index (ALSI).

5:30-7:00pmReception

FRIDAY, JUNE 27:30–11:00amRegistration


SubPrime Auto Finance News brings you original and timely content by our industry experts through print and digital publications. We’ve delivered the news to the subprime auto finance industry for over 10 years to subprime lenders, independent finance companies, banks and dealers. www.subprimenews.com

TCI’s DecisionLender 4 is a complete, cloud based loan origination solution from application to decisioning to the transfer of funds. With DecisionLender 4’s, flexibility and configurability it allows lenders without IT or development resources to quickly adapt to an evolving market. www.tcidecisionlender.com

Van Wagenen–North America’s leader in claims administration, recoveries, commercial, residential and auto insurance and insurance tracking services, trusted by lenders of all sizes to provide custom solutions, protecting collateral and your bottom line against loss from small risks to the catastrophic. www.vanwagenen.com

Since 1987, VeriFacts has given our clients a competitive edge by locating and verifying places of employment, residential phone numbers and addresses and no contact solutions. Specializing in customized programs built for you, we deliver 100% guaranteed accurate information. www.verifactsinc.com

Keith D. Weiner & Associates Co. L.P.A. A debt collection law firm serving clients throughout Ohio & Wisconsin. Maximizing recoveries while treating consumers with respect. Since 1985. Pre Legal/Judgment Execution/Replevins/Bankruptcy. (866) 368-6500; www.weinerlaw.com

White Clarke Group’s award-winning CALMS software is a complete life-cycle loan originations and management solution designed for non-prime automotive lending. As your business grows and evolves, CALMS delivers a highly-configurable, stable, secure solution, enabling greater operational efficiency, risk management and compliance oversight. www.whiteclarkegroup.com

EXHIBITORS and SPONSORS7:30–8:15amBreakfast

8:15-8:30amOpening Remarks

8:30-9:30amRepresentative Jeb Hensarling (R-TX), Chairman, Committee on Financial ServicesHensarling will address the conference on House Financial Services Committee activity including committee interaction with the CFPB and the possible repeal of the Dodd Frank Act . (Availability subject to last minute House of Delegates commitments.)

9:30-10:00amMoving Collections Beyond In-House: What are the Best Practices you Need to KnowJoann Needleman, Esq., Clark Hill, PLC; Lou Freedman, Partner, Blitt and Gaines, P.C.; Kelly Knepper Stephens, General Counsel/Chief Compliance Officer, Stoneleigh Recovery Associates, LLCWhen accounts need to leave your organization for third party collection and litigation, how can you be sure your brand is being represented properly and that effective and compliant procedures are being utilized by the outside parties you hire. Our esteemed panel has a combined expertise of over 30 years’ experience in automobile recovery and collection. Learn what to look for in the right collection partners, what due diligence you need to consider and how to maintain on-going oversight.

10:00-10:15amBreak

10:15-11:30amPractical Realities in the Sale and Purchase of Auto DebtJan Steiger, Executive Director, Receivables Management Association; Mark Naiman, President/CEO, Absolute Resolutions Corporation (ARC) and Absolute Collections Corporation (ACC) and others to be announced.In the last two years, NAF Association programs have discussed, first the benefits of selling defaulted accounts and then secondly, discussed how to sell the accounts. This year, the panel, comprised of an auto debt seller and a debt buyer, will discuss the practical realities of this partnership. Hear from both sides insights on what went as planned, obstacles encountered, and ultimately how the process progressed.

11:30am-12:15pmImprove Recruiting Methods and the Work ExperienceDon Jasensky, Founder/CEO, Automotive Personnel, LLC; Jim Bass, Director of Vendor Compliance, First Investors Financial Services, Inc.Don Jasensky and Jim Bass will discuss how to achieve the solution by using better and more effective recruiting methods and specific suggestions for improving the work experience for outstanding employees thereby encouraging their commitment and contribution to their employer’s and their own success. Don’s external experience coupled with Jim’s internal experience will be a beneficial learning experience for all attendees.

12:15-12:30pmClosing Remarks


NAF Association Member ..............$695Additional Reps ............................$395

Non-Members ............................$1095Additional Reps ............................$795

Golf Event ..................... $125 per playerThe Tribute Golf Club (optional)

21st AnnualNON-PRIME AUTO FINANCING CONFERENCEMay 31 - June 2, 2017, Hilton Dallas/Plano Granite Park

Sponsorships are available. For more information or questions: Call Diane Merino at 717-676-1533 or email [email protected].

Hotel Room ReservationsReserve your hotel room by contacting the hotel Hilton Dallas/Plano Granite Park5805 Granite ParkwayPlano, TX 75024Phone: 469-353 5000 Or online at: nafassociation.comThe NAF Group Rate for hotel reservations is $189 plus tax. Reservations must be made by May 10, 2017 to guarantee group rate based on availability.

Cancellation Policy – Refund of registration fees will be made upon receipt of written request to [email protected] if cancellation is received by May 12, 2017. Cancellations are subject to a $100 charge. Refunds will be processed after the conference. You may transfer your registration to another person at any time.

REGISTER ONLINE AT www.nafassociation.com

THANK YOU TO OUR SPONSORS

GRAND CORPORATE SPONSOR

AM REFRESHMENT BREAK

EXECUTIVE SPONSOR

CORPORATE SPONSORS GOLF SPONSORS:

AT-A-GLANCE AGENDATECHNOLOGY SPONSOR

CONFERENCE BAG INSERTS NOTEPADS

CONFERENCE TOTES

BADGE HOLDERS

van Wagenen

THURSDAY BREAKFAST

The Alternative Credit Bureau

H U D S O NC O O K

P O W E R E D B Y:

Seidberg Law Offices, P.C.

WE KNOW. THEY’RE MORE THAN FACES IN THE CROWD.

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reported to the Big 3 bureaus.

For more information, call (844) 205-4111 and press 1

NON-PRIME CONSUMERS DESERVE CREDIT, TOO.



Non-Prime ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL21 ST

Register now atnafassociation.com

7037 Ridge Road, Suite 300Hanover, MD 21076

21st Annual Non-PrimeAuto Financing ConferenceHilton Dallas/Plano Granite Park May 31 - June 2, 2017

Breakout Sessions Sponsors and ExhibitorsNetworking Events

Documents

ST Non-Prime Auto Financing · provides new data insights throughout the lifecycle of the loan. To ﬁnd out more, visit us at , or call us at (817) 877-0077. FactorTrust is dedicated