June 4 to 6, 2008

June 4 to 6, 2008Renaissance Worthington Hotel, Fort Worth

Register on-line at: www.nafassociation.com

© Copyright 2008 National Automotive Finance Association

National Automotive Finance Association

WHERE THE INDUS TRY GOES FOR SOLUTIONS

Non-Prime Auto Financing Conference

Grand Corporate Sponsor Corporate Sponsors

Rich Apicella — Executivefor Automotive Finance,BenchMark Consulting In-ternational. He is responsi-ble for advising executivesworking in the automotive fi-nance businesses of banks,

captives, credit unions and auto finance industryplatforms. Rich has more than 25 years of auto-motive and financial services industry experience,and has held leadership positions with DeloitteConsulting, Capital One Auto Finance, Hewlett-Packard and IBM.

Robert Beatty — SeniorVice President, Servicing,AmeriCredit. He has over 11years of call center-based col-lections experience in theauto finance sector. Bob's re-sponsibilities include early

stage collection strategy, training, quality assur-ance, autodialer operations and customer service.

Becky Chernek — President and Founderof Chernek ConsultingIncorporated, puts heryears of experience in allaspects of car sales towork in helping dealer-

ships throughout the United States andCanada refine the sales process and increasetheir profits. She has worked with many in-dustry leaders.

Lisa Chlubiski —Senior Account Man-ager of the auto financepractice for J.D. Powerand Associates. She hasbeen with the firm forover seven years with

several years of experience in the researchdivision of the auto finance practice.

Emily Beck — Attorney inthe Hanover, Maryland officeof Hudson Cook, LLP. She isthe vice-chair of the firm’sdealership law practice groupand developed the dealershipcompliance audit program for the firm.

Brian Becker — Shareholder of Becker LawFirm, P.A. located in Greenville, NC. He has prac-ticed automotive finance work since 1992 with afocus on representing automotive finance compa-nies in state and bankruptcy courts.

Mark Brown — Vice President of Lender Solu-tions for DealerTrack, Inc., is responsible for addingnew lenders to the DealerTrack credit applicationnetwork, supporting and servicing existing lendersand the management of DealerTrack’s credit ap-plication solution. He also provides managementoversight for the DealerTrack Digital Services out-sourced contract processing business. Over the pastfew years, Mark and his team have more than dou-bled the number of lenders available on the Deal-erTrack network, now numbering over 500.

Register today at www.nafassociationto join your colleagues in Fort Worth tohear expert speakers presenting timelytopics that are specific to non-primeauto sales and finance.

This year the non-prime auto financ-ing industry is facing challenges that ithas not faced for years. Economic con-ditions and the non-prime mortgagemarket have met to produce a "perfectstorm" scenario. Delinquencies andlosses are trending upwards, the securi-tization market has dried up and non-prime dealerships feel the squeeze oftighter credit underwriting.

The NAF Association knows thenon-prime auto industry, and we have

built this year's program to addressthese concerns. As in previous years,the conference will feature individualpresenters and panels of speakers, all ofwhom will share their expertise.

You will find exhibits of the latestproducts and services designed espe-cially for the non-prime auto industryand ample time to network during re-ceptions, breaks, meals and free time.The conference is open to membersand non-members.

We are grateful to our sponsors andexhibitors for their support that makesthe conference possible.

Make your plans to attend today!

Where the Industry Goes for Solutions

June 4 to 6, 2008Renaissance

Worthington Hotel, Fort Worth, TX

N o n - P r i m e A u t o F i n a n c i n g C o n f e r e n c e

3

SPEAKERS

SPEAKERS Continued

4 7520 Parkway Drive, Suite 510 • Hanover, MD 21076-1343 • 800-463-8955 • [email protected] • www.nafassociation.comThe NAF Association’s 12th Annual Non-Prime Auto Financing Conference • June 4-6, 2008

Scott Collier — Senior VicePresident, Special Assets Manager,Regional Acceptance Corp. Heoversees the operational and an-alytical units for collections, re-covery, bankruptcy and assetremarketing. In his 14 years in

the automotive finance business, he has held lead-ership positions in the origination and servicing.

Joshua Cox — Vice President and Associate Gen-eral Counsel for Santander Consumer USA Inc.(formerly Drive Financial Services), a specializedconsumer finance company engaged in the pur-chase, securitization and servicing of retail install-ment contracts. He oversees the company’s litigationdocket, including class action matters, complex com-mercial disputes, bankruptcy appeals, consumerprotection litigation and various intellectual prop-erty issues. He was instrumental in the creation ofDrive’s first Legal Department and its later integra-tion with Risk, Governance, and Compliance func-tions.

Steve Darsie — A Principal atScoring Solutions, Inc., has over30 years of scoring and consultingexperience for the credit industry.His background includes riskmanagement, credit scoring,product development and soft-

ware systems for all stages of the credit life cycle in-cluding targeting, acquisition, account management,collection and recovery activities. He has focused onthe automotive industry designing credit acquisition,automated decisioning and collection systems.

Mark Edelman — Partner inCharge of McGlinchey Stafford’sCleveland, Ohio office, practicingin the area of Consumer Finan-cial Services. His practice includesthe representation of banks, fi-nance companies, mortgage com-panies and savings and loans,

advising them on regulatory compliance for con-sumer loan documentation, e-commerce, under-writing, acquisitions and divestitures, warehouse andother commercial financing, insurance and struc-tured finance. He is a member of the NAF Associ-ation legal committee.

Mark Floyd — COO, Ameri-Credit Corp. Prior to assuming hiscurrent position, he served in thedealer services segment, develop-ing strategic alliance relationshipsand directing branch network op-erations.

Annette Girmus-Orford – Managing Partner andChief Risk Officer, Phoenix Capital Management, re-sponsible for all underwriting, loan acquisition processesquantitative analysis, predictive modeling and risk capi-tal. She is also responsible for the on-going actuarial anddefault prepayment forecasting to support reserve re-quirements to meet both statutory and operationalneeds. She has over 10 years in credit risk management,including predictive modeling, reserve estimation andrisk capital estimation.

Robert Guerrero — Director of National Sales forInsurance Auto Auctions. He is responsible for the FleetLease division and also manages the sales teams for thissegment. He also is responsible for the Dealer Sales Di-vision of IAA and the sales teams that manage this seg-ment. Robert joined IAA in 2005 as a National SalesManager, and before this he worked for Manheim atvarious positions in Sales and Marketing in Texas.

Steve Hall — President, drivers-select, a new breed of automotiveretail that focuses on providingconsumers in the sub prime mar-ketplace the ability to afford thesame type of vehicles as those con-sumers in the prime marketplace.

driversselect offers both new and late model preownedvehicles and achieves above average portfolio perform-ance and revenue that will approach $100M in 2008.Mr. Hall is a past president and board member of theNAF Association.

George Halloran — Auto Fi-nance Program Manager, Bench-Mark Consulting International,provides strategic and operationalconsulting to auto and other fi-nance sources and related compa-nies. He has over 30 years of

operational and executive management experienceacross the auto financing spectrum, including field op-erations, strategy and planning, finance, marketing, riskmanagement and IT.

Robert Hessman —Sekurus Financial Services,formerly Star Matrix Groupwhere he managed hundredsof millions of dollars in sub-prime auto notes, consulted,trained and restructured col-

lection departments for dealerships, related financecompanies and independent finance companies.

Richard Howse — SeniorDirector, J.D. Power and As-sociates. He oversees theU.S. auto finance practiceand plays a role in growingthe company’s presence inthe auto finance sector

through syndicated research, proprietary trackingprograms, solutions consulting and performanceimprovement.

Eric Johnson — Attorney,Phillips McFall McCaffreyMcVay & Murrah P.C. Hislaw practice is in automotivefinance, banking, commercialand consumer financial serv-ices, financial institution reg-

ulation and e-commerce and informationtechnology. He is chairman of the NAF Associa-tion legal committee.

Dan Leonard — Presidentand CEO of Triad FinancialCorp. He oversees Triad'sstrategic direction and capi-talizes on the company'sstrength in the non-primeauto finance market. He has

over 30 years experience in the industry and is NAFAssociation President.

Amy Martin — Senior Director in the Structured

Finance Ratings Group atStandard & Poor’s. As asenior member of the amor-tizing assets group, she is re-sponsible for the consistent

application and development of on-going criteria,chairing auto loan/lease ABS credit committeesand for coordinating and conducting ABS analyti-cal training programs.

SPEAKERS Continued

Aaron Tankersley — Execu-tive Vice President of PortfolioManagement at HSBC Auto. Inthis role he is responsible for allaspects of serving customersafter origination, including cus-tomer servicing, sales, market-

ing, collections and asset recovery.

Jack Tracey — Executive Di-rector of the National Automo-tive Finance Association and acertified association executive(CAE). He has over 35 years ofexperience in the consumer fi-nance industry.

Gil Van Over — Presidentand Founder of gvo3 & Associ-ates, specializing in developingand implementing compliancestrategies within the F&I andSales departments of automo-bile dealerships. He has over 25

years experience working with automobile dealershipsin the consumer and auto financing industry and is afounding member of DealerTrack's Compliance Ad-visory Council.

Marguerite Watanabe —President, Connections In-sights, LLC, has worked in theautomotive and automotive fi-nancing for over 20 years. Sheshares her expertise and indus-try connections with industry

associates, giving her a unique view of the industry,its strengths, weaknesses and, most importantly, its op-portunities. She serves as Director of InternationalPrograms for the Automotive Dealership Institute andis Secretary of the NAF Association Board of Direc-tors.

Tom Webb — Chief Econo-mist, Manheim. With 30 yearsautomotive experience, heserves as a resource for the in-dustry, providing analysis ofused car market activity basedon data from all of Manheim’s

auctions and associated businesses, as well as industry research.

Bernard L. Weinstein — Di-rector of the Center for Eco-nomic Development andResearch and a Professor ofApplied Economics at the Uni-versity of North Texas in Den-ton. The Center was

established in 1989 to provide economic analysis andconsulting services to university constituents in theprivate, non-profit, and public sectors. He also servesas director of the Institute of Applied Economics,which offers masters degree programs in economicdevelopment.

Larry Young — Partner,Hughes, Watters andAskanase, L.L.P., in Houston,Texas, focuses his practice onconsumer and commercial fi-nance law, bankruptcy and re-lated litigation. He is a member

of the NAF Association legal committee.

Tommy A. Moore, Jr. —President and CEO – Cofounder of First InvestorsFinancial Services, Prior to1989 when the company wasorganized, he was employed incommercial banking, responsi-

ble for retail and commercial lending.

Gary Perdue — Chief Operating Officer, AppOne\Wolters KluwerFinancial Services, focuseson building the company’s net-work of lenders, establishingstrategic alliances and support-

ing the company’s national expansion. He also man-ages all operations and the sales and marketingdivisions. As a founding member of the NationalAuto Finance Association, he is a past president, pastchairman and a current member of the board of di-rectors.

May Ya Poon — Risk Man-agement Manager, Wells FargoAuto Finance. She is responsi-ble for credit policies, acquisi-tion strategies and portfoliomanagement of the growingdirect-to-consumer auto port-

folio. She has more than 12 years of analytical expe-rience in the areas of market research, marketingand credit risk analysis and experience with the In-ternet start up, PeopleFirst, later acquired by CapitalOne.

Kevin Pruner — Senior Vice President, Systems& Services Technologies (SST), an NCO Group Inc.Company. He has more than 20 years and managesall aspects of the SST service offering, includingproduct design, sales and marketing, business devel-opment, underwriting, contracting and quality. He isa member of the senior management team of NCOGroup.

Paul Snider — President andCEO, CIQ, Inc.; Chairman,Correct Course, Inc a trainingand consulting company; andNAF Association Chairman.He has more than 30 yearsexperience in retail auto and

finance.

57520 Parkway Drive, Suite 510 • Hanover, MD 21076-1343 • 800-463-8955 • [email protected] • www.nafassociation.com

The NAF Association’s 12th Annual Non-Prime Auto Financing Conference • June 4-6, 2008

6 7520 Parkway Drive, Suite 510 • Hanover, MD 21076-1343 • 800-463-8955 • [email protected] • www.nafassociation.com





Wednesday June 4, 2008

2:30 to 4:00 pm Board of Directors Meeting

5:30 to 7:30 pm Reception Sponsored by

Thursday June 5, 2008

7:30 to 8:15 am Breakfast

8:15 to 8:45 am Opening RemarksJack Tracey, NAF Association, Executive DirectorDan Leonard, Triad Financial,NAF Association President

8:45 to 9:30 am Session 1 - Key Note AddressDr. Bernard L. Weinstein, Institute of Applied Economics, University of North Texas The Sub-Prime Mess, the Credit Crunch and theRecession of 2008: Implications for the NationalEconomy and Auto Financing.The U.S. economy likely went into recession in late2007 or early 2008. Home foreclosures and personalbankruptcies have spiked in recent months whilemortgage and credit card delinquencies are on therise. Overdue auto loans have also increasedsharply in recent months.Still, in view of Congress’ recently enacted $200 billion stimulus package, and the dramatic drop ininterest rates since the beginning of the year, the recession of 2008 is likely to be fairly short and shallow. In his presentation, Dr. Weinstein will discuss the current state of the national economyand the outlook for various sectors and regions. He will also speak about the current credit crunchand how that is likely to affect durable goods purchases, including those of cars and light trucks.

Continued . . .

SCHEDULE

ACS provides fully diversified, end-to-end, businessprocess outsourcing and information technology so-lutions to commercial and government clients world-wide. We are a FORTUNE 500 companycomprised of more than 62,000 people in 750 globallocations, and supports clients in more than 100countries. In the finance industry, ACS provides end-to-end software application and business processoutsourcing tools, including applications, systemsand services. With ACS' financial solutions, lenderscan streamline operations to focus on their core busi-ness and more effectively achieve their businessgoals.www.acs-inc.com

SPONSORS & EXHIBITORS

American Modern Insurance Group offers tothe lending industry a complete line of insuranceproducts and services that includes credit life, creditdisability, debt protection, lender placed hazard, col-lateral protection, homeowners, tracking and out-sourcing services. www.amig.com


9:30 to 10:45 am Session 2 - CollectionsModerator: Aaron Tankersley, HSBC AutoPanel: Scott Collier, Regional Acceptance Corp; Bob Hes-sman, SMG Servicing; Robert Beatty, AmeriCredit; andKevin Pruner, Systems & Services Technologies Given the current macro-economic challenges in the USeconomy such as higher fuel prices, increasing level of un-employment, unknown impact of sub-prime mortgagepayment resets, and softening used car pricing, lenders arefocusing more of their resources on the servicing side oftheir businesses in an effort to mitigate these risks. A dis-tinguished panel of servicing experts will discuss severalaspects related to optimizing a servicing platform. This dis-cussion will cover topics including strategy, technology, in-centives, and loss mitigation.

SCHEDULE Thursday Continued . . .

8

SPONSORS &EXHIBITORS

CIQ, Inc. ("VOISYS") is a pioneer of the leadgeneration industry and has quickly become theleader in special finance lead generation. TheVOISYS suite of products helps auto dealersproduce more results with higher sales andgreater profits. Specifically, VOISYS is an 800and Internet based lead generation system serv-ing the automotive non-prime, prime and leasemarkets. Each year the company generates mil-lions of credit related leads with its VOISYSLoan By Phone, Direct Mail and Internet programs.www.voisys.com

10:45 to 11:15 am Break

11:15 am to 12:15 pm Session 3 - How Can We Stimulate ABS Investors?Moderator: George Halloran, BenchMark ConsultingInternationalPanel: Amy Martin, Standard & Poor’s, Robert Mical-izzi, Merrill Lynch; and other non-prime originatorand investor representatives.This session will provide an update on current autoABS performance by Standard & Poors followed by apanel of present-day experts representing the ratingagencies, auto financing originators and investors whowill discuss the current credit and funding environmentand the competitive forces affecting the ABS market-place with a special emphasis on what can motivate in-vestors to return to the non-prime ABS market.

12:15 to 1:30 pm Lunch

1:30 to 2:15 pm Session 4 - Alternative Data and Scoring Models in the Under-Banked MarketModerator: Annette Girmus-Orford, Phoenix CapitalManagementPanel: Steve Darsie, Scoring Solutions; May Ya Poon,Wells Fargo Auto Finance; and Steve Hall, driversselectHow do lenders determine a good risk from a bad riskwhen credit files are thin or non-existent? Join thispanel discussion and learn about scoring models anddevelopments in the use of alternative data in identify-ing better risks in the thin file market from both expertsand practitioners.

Continued . . .


9


DealerTrack Holdings, Inc. (Nasdaq: TRAK)is a leading provider of on-demand software anddata solutions for the U.S. automotive retail industry.Our solutions enable dealers to receive consumerleads, submit credit applications, compare financingand leasing options, sell insurance, vehicle acces-sories and other aftermarket products, documentcompliance and execute financing contracts elec-tronically. In addition, the company provides dealermanagement systems (DMS) through its Arkona,Inc., subsidiary.www.dealertrack.com

driversselect, a new breed of automotive retailthat focuses on providing consumers in the subprime marketplace the ability to own and afford thesame type of vehicles as those consumers in theprime marketplace. The company’s brand was cre-ated by offering a shopping experience that buildsconsumer trust back into sub prime transactionsthrough the use of credit education, large selectionof quality vehicles, and affordable financing pro-grams from responsible lending institutions.www.driversselect.com



CounselorLibrary.com, LLC, an affiliate of Hud-son Cook, LLP, is a collection of comprehensive, legaltools for compliance professionals, covering every as-pect of consumer credit finance. CounselorLibrary.com® includes CARLAW®, CARLAW & Lease Counselor;and the Spot Delivery® newsletter. www. counselor library.com

Fiserv Lending Solutions provides compre-hensive automotive finance software solutionsand business process outsourcing (BPO) servicesfor banks, finance companies, credit unions andindependent auto finance organizations. Thescalable systems, extensive services and variety ofdelivery options provide the right solution forclients. www.fiservls.com

Global Connect, the leading provider of Web-based voice messaging, helps a variety of organ-izations throughout the United States, Canadaand Puerto Rico deliver personalized voice mes-sages quickly and cost effectively. Global Connectis a privately held company with corporate of-fices in Mays Landing, N.J. www.gc1.com





2:15 to 3:00 pm Session 5 - Full Spectrum LendingRichard Howse & Lisa Chlubiski, JD Power and Asso-ciatesAs competition in the auto finance market intensifies,many lenders are deploying full-spectrum strategies,servicing both prime and sub-prime customers. Chal-lenges exist for both prime and sub-prime lenderswhen expanding their base, and both price and serviceare keys. Another challenge comes from increasing in-stances of direct funding from non-captive financecompanies

.3:00 to 3:30 pm Break Sponsored by Fiserv Lending Solutions

3:30 to 4:15 pm Session 6 - Member MeetingPaul Snider, CIQ/VOISYS, NAF AssociationChairman; Jack Tracey, NAF AssociationExecu-tive Director; Rich Apicella, BenchMark Consult-ing InternationalNAF Association officers will discuss accomplish-ments of over the past year and plans for the up-coming year. Rich Apicella, BenchMarkConsulting, will provide an overview of the find-ings of the NAF Association's 12th Annual Non-Prime Auto Financing Survey. Survey reports willbe available to all NAF Association members.Non-members are welcome to attend this session.

The Finance Express program provideslenders with a comprehensive risk mitigation pro-gram, providing a safe and secure environmentfor lenders who offer their services to independ-ent used car dealers. www.financeexpress.com

MasterFiles, a leading data provider offers theFreshest EDA Data available with our NoHit...No Charge and No Monthly Fee guaranteestarting at only 10 cents a hit. Ensure your busi-ness with Fresh information, choose MasterFiles. www.masterfiles.com

i-flex solutions inc. offers Daybreak LendingSuite that streamlines all aspects of consumer fi-nancing, from origination to servicing and col-lections. Daybreak, deployed either as a licensedor ASP solution, has been selected by premierlenders to increase productivity, enhance cus-tomer relationships, decrease operational costsand improve risk management. www.iflexsolutions.com

PAR North America is a nationwide providerof vehicle remarketing services including repos-sessions, skip tracing, titling, vehicle transporta-tion and lease end-of-term. Cutting edgeWeb-based technology connects PAR with itsclients and vendors in a collaborative effort to fa-cilitate these back-end operational needs.www.parnorthamerica.com


11

4:15 to 5:00 pm Session 7 - Innovations RoundtableMarguerite Watanabe, Connections Insights, LLCIn this interactive session, leaders in the industrywill facilitate stimulating discussions on topics thatrepresent ongoing challenges and emerging oppor-tunities for non-prime auto financing companies.Issues may include Non-prime Portfolio Purchasesand Sales, Staff Motivation and Incentives DuringHarder Times, Benefits of Risk-based Verification,Ideal Set of Consumer Payment Options andPros and Cons of Independent Dealer Partner-ships or those identified by the audience. The top-ics will be explored in a roundtable environmentand shared back with the full group. The end re-sult will be best practices and actionable steps foryour operations.

5:00 to 7:00 pm Reception Sponsored by Finance Express

Friday June 6, 2008

7:30 to 8:10 am Breakfast

8:10 to 8:15 am Opening RemarksJack Tracey, NAF Association, and Mark Brown, DealerTrack

8:15 to 9:00 am Session 8 - State of the Non-Prime IndustryPanel: Mark Floyd, AmeriCredit; Dan Leonard,Triad Financial; Tommy A. Moore, Jr., First In-vestors Financial Services Group, Inc.Non-prime finance companies executives willshare their views on the challenges facing the in-dustry and the strategies necessary to be successfulin the present economic climate.

SCHEDULE Friday Continued . . .




PassTime, established in 1992, strives to supportand enhance the specialized finance industry withstate-of-the-art high tech payment solutions. ThePassTime family of products has improved cus-tomer payment performance and dramatically re-duced default and repossession risks for thousandsof dealer and finance companies. Headquarteredin Colorado, PassTime invented the industry’s firststarter-interrupt device in 1997.www.passtimeusa.com





Phoenix Capital Management, LLC(PHXCM) is a specialized consumer finance assetmanagement company engaged primarily in ana-lyzing and acquiring retail installment sales con-tracts. PHXCM currently manages special autofinance and special real estate portfolios and per-forms statistical, actuarial, mathematical and fi-nancial due diligence analysis. PHXCM‚s principalexecutive offices are located in Denver.www.phxcm.com.


9:00 to 9:45 am Session 9 - Used Car MarketTom Webb, ManheimAn analysis of how economic forces and supplyand demand in the wholesale market influence:

• New and used vehicle loan originations,• Delinquency and recovery rates, and• Dealership profit opportunities.

A review of economic and industry trends to gaininsights into:

• The outlook for vehicle supply from the dealer’s perspective,

• The robustness of used vehicle retail demand, and

• Remarketing best practices that reduce days-to-sell and maximize net returns.

9:45 to 10:45 am Session 10 - Legal UpdateModerator: Eric Johnson, Phillips McFall McCaffrey McVay & Murrah PCPanel: Brian Becker, Becker Law Firm, PA;Joshua Cox, Santander Consumer USA/Drive;Larry Young, Hughes Watters and Askanase,LLP;and Mark Edelman, McGlinchey StaffordTopics to be covered: recent dealer fraud case(s)and straw purchases; firm offers of credit compli-ance; FRB amendments to Reg Z and M for elec-tronic disclosures, the documentation fees,unauthorized practice of law cases; illegal aliensales issues following passage of Oklahoma's re-strictive HB 1804 on immigration; and the RedFlag Rules and Affiliate Marketing Rules.

Park National Bank’s Structured Ware-house lending unit provides revolving/redis-count lines of credit to closely held automotivefinancial institutions with financing facilities rang-ing from $5 million to $20 million. Park also hasan ability to arrange larger facilities if needed.www.parknationalbank.com

Regional Acceptance Corporation, an affiliateof BB&T, purchases automobile portfolios throughthe Portfolio Acquisition Group. We buy primethrough sub-prime, servicing released. Our clientsinclude banks, credit unions, finance companies andautomobile dealers throughout the country. www.regionalacceptance.com

10:45 to 11:00 am Break Sponsored by Phoenix Capital Management

11:00 to 11:45 am Session 11 Dealer/Creditor Compliance: Compliance in a Sub-Prime World – The Dealers’ ViewpointModerator: Gary Perdue, AppOne\Wolters KluwerFinancial ServicesPanel: Gil Van Over, gvo3 & Associates; BeckyChernek, Chernek Consulting Incorporated; andEmily Beck, Hudson Cook, LLPThis interactive and fast-paced discussion will focus onhow auto financing sources can understand the compli-ance requirements their dealers are facing and howthey can help their dealers meet the new rules and reg-ulations. Demonstrations and role-playing will be usedto highlight common oversights and mistakes made byauto financing companies with their dealers.

11:45 to 12:30 pm Session 12 - Remarketing –The Global Buyer Effect Robert Guerrero, Insurance Auto AuctionsSession to focus on unique challenges facing non-prime sectorRemarketing trades and repossessions to buyers, bothdomestic and international, and how that affects yourportfolio. IAA’s internet model sells vehicles to live andinternet buyers from over 100 countries that create astrong bidding environment on units that typicallyaren’t attractive to the normal buyers at auctions. Whatmake US cars attractive to International Buyers?

12:30 pm Closing RemarksJack Tracey, NAF Association Executive Director


13

Reynolds and Reynolds provides documents in-cluding LAW® Universal Retail Installment Con-tracts accepted in all 50 states and available to allfunding sources. Our contracts are regularly mon-itored through partnerships with leading legal ex-perts to help maintain compliance toconstantly-changing automotive finance laws.www.reyrey.com

RouteOne is a Web-based credit application man-agement system created by Chrysler Financial,Ford Motor Credit, GMAC and Toyota Financialto improve efficiencies in automotive financing.RouteOne connects dealers to all their subscribedfinance sources, including captives, prime and non-prime lenders, all within a single desktop.www.routeone.com





14 7520 Parkway Drive, Suite 510 • Hanover, MD 21076-1343 • 800-463-8955 • [email protected] • www.nafassociation.com


Special Finance mails to 22,500 U.S. new- andused-car dealers. The magazine is focused on sub-prime, nonprime and nearprime automotive lend-ing, with a focus on sales and marketing strategies,industry news, regulatory compliance and buy-here,pay-here.www.special-finance.com

Cow Girl Museum

Grand Corporate Sponsor

Corporate Sponsors

State National Companies — Get more port-folio protection with collateral protection insurancefrom the CPI specialist. The choice of successfulcredit unions nationwide, State National Compa-nies offers larger claims settlements, unmatchedservice and time-saving technology with a programbacked by our A (Excellent) rated insurance car-rier. See what's possible with State National.www.statenational.com

Sekurus/ON TIME the patented starter inter-rupt system that changes payment behavior ofcredit challenged consumers and is designed forbanks, finance companies, and lien holders.www.ppsontime.com





SubPrime Auto Finance News is the top infor-mation source for the auto finance industry. In ad-dition to a glossy full-color monthly publication,SubPrime Auto Finance News keeps dealers and in-dustry executives abreast of the latest news throughits companion e-newsletter, SubPrime News Update.www.subprimenews.com

Teletrack Inc. provides auto financiers with non-traditional consumer credit data for risk mitigation,identity verification and skip tracing. Teletrack's datafrom special finance lenders marketing to under-served consumers can enhance predictive modelingand portfolio performance. www.teletrack.com

TransUnion combines powerful data, analyticsand decisioning to improve application processing.By assessing risk, managing identities and inte-grating timely contact data, you can score morethin file/underserved prospects, quickly confirmapplicants‚ contact information and help meetcompliance obligations. www.transunion.com/business

www.nafassociation.com




Western Union® Payment Services is the mostexperienced provider of comprehensive bill paymentservices in the auto industry, creating customizablepayment solutions for billers that provide convenientand reliable electronic and cash payment options forconsumers. www.westernunion.com

VantageILM is the leading next generation inte-grated loan management (ILM) system that integratesbest practice origination, servicing, collections, recov-ery management, asset management, document man-agement, and accounting in one on-demandplatform.www.vantageilm.com

van Wagenen Financial Services - For 75 years,van Wagenen Financial Services has offered cus-tomized risk management solutions to financial insti-tutions. van Wagenen offers insurance tracking andcollateral protection programs to protect your loanportfolios. Our goal is to lower administrative costsand reduce losses. www.vanwagenen.com

DealerTrack — Grand Corporate Sponsor

ACS — Corporate Sponsor

PassTime — Corporate Sponsor

Regional Acceptance Corp. —

Corporate Sponsor and Lanyards

TransUnion — Corporate Sponsor

driversselect — Thursday Lunch

Finance Express — Thursday Reception

Fiserv Lending Solutions —

Thursday Afternoon Break

Phoenix Capital Management —

Friday Morning Break

Route One — Wednesday Reception

Special Finance — Media Sponsor

Williams & Stazzone Insurance Agency —

Conference Bags

NAF Association appreciates the support of its sponsors and exhibitors.

2008 Conference Sponsors



Williams & Stazzone Insurance Agencyspecializes in fleet insurance programs includingUSI, Forced Place, GAP, Garage Liability, Lessor'sContingent/Excess, Warranty, Car Rental Fran-chise Systems. We provide Group Life & GroupHealth programs, Life Insurance and Disability In-come Insurance for Estate Plans.www.wsins.com

Wolters Kluwer Financial Services/AppOneoffers independent dealerships access to lenderswhile providing industry leading risk mitigation andcompliance services. As part of Wolters Kluwer Fi-nancial Services, the leading provider of regulatorycompliance solutions and services for banking, se-curities, and insurance, AppOne delivers trustedmanagement tools and resources. www.WoltersKluwerFS.comor www.AppOne.net


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Don't miss out on the original non-prime auto financing conference!A sampling of the companies who attended the 2007 conference:

Ace Motor Acceptance Corp.ACSAmerican Thrift & FinanceAmeriCredit Corp.AppOneAscension Capital GroupAutoIMSAutomotive Finance CorporationBenchMark Consulting InternationalBill Heard EnterprisesBMW Financial ServicesC & F Finance CompanyCain FinancialCAR Financial Services Inc.Carfinco Income FundCenterOne Financial ServicesCentury CreditChase Auto FinanceCIQ/VOISYSCMSICompliConsumer Auto Refinance Services, Inc

Counselorlibrary.com/Hudson Cook, LLPCredit Acceptance CorporationCreditors Bankruptcy ServiceCrescent Bank & TrustDealerTrack, Inc.driversselectEasterns Automotive GroupEquifax, Inc.Finance Express LLCFirst Data SolutionsFiserv Automotive Solutions, Inc.Ford CreditInspire Auto Finance Company, LLCJ.D. Power and AssociatesLexisNexisManheimMarkOne FinancialMilitary Assistance CompanyNational Auto Finance CompanyNational Bankruptcy ServicesON TIME SekurusPAR North America

PassTimePremier Lease & Loan ServicesRegional Acceptance CorporationReliable Auto FinanceReMark Capital Group, LLCReynolds and ReynoldsRouteOneScotiabankSouthern Auto Finance CompanyStandard & Poor'sState NationalSubPrime Auto Finance NewsSuperSolutions CorporationSystems & Services Technologies Inc. (SST)TransUnionTravelers Automotive FinanceTriad Financial CorpUsed Car NewsWells Fargo FinancialWestern Union Payment ServicesWestlake Financial ServicesWolters Kluwer Financial Services

TransUnion is a proud sponsor of the NAF Association's

12th Annual Non-Prime Auto Financing Conference.

Approve.Purchase.Comply.Drive risk and cost out of automotive financing andshift into high gear for comp liance with Red Flags.

Learn more now! Call Pete Turek at 248-324-3030

or email [email protected].

You want to approve and purchase

contracts faster and with greater confidence.

Soon your organization must comply with

Red Flag Regulations too. TransUnion gives

you the tools to reduce risk, lower costs and

manage compliance objectives with:

Fraud and Identity Management

Regulatory Compliance

Predictive Customer Acquisition Strategies

Credit Decisioning

Portfolio Management

Market Intelligence

© 2008 TransUnion LLC All Rights Reserved

REGISTER NOW!Register on-line at www.nafassociation.com

Special 2008 Registration Fees Designed toAccommodate Reduced Travel Budgets:

Member $495 • Additional Reps $195Non Members $995 • Additional Reps $695

Auto Dealers $495

Hotel Registration - Reserve your hotel room before May 9 for special conference room rates. Followhotel link on nafassociation.com, or call the hotel at 800-433-5677 or 817-870-1000 and be sure to

reference the NAF Association annual meeting.

Cancellation Policy - Refund of registration fees will be made upon receipt of written request if cancella-tion is received by May 28, 2008. 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.

• Contact info: NAF Association • 7250 Parkway Drive, Suite 510 • Hanover, MD 21076800-463-8955 • [email protected] • www.nafassociation.com

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7520 Parkway Drive, Suite 510Hanover, MD 21076-1343

PRESORTFIRST CLASSU.S. POSTAGE

PAIDRichmond, VA

Permit No. 1225

June 4 to 6, 2008Renaissance Worthington Hotel, Fort Worth

Non-PrimeAuto Financing Conference

R e g i s t e r o n - l i n e a t : w w w . n a f a s s o c i a t i o n . c o m

Economy & Finance

June 4 to 6, 2008