ACS Financial Integrates with XpressCredit to Automate Credit Application Processing Through RouteOne

Agreement gives Non-Franchised Dealers access to finance sources and Lenders access to high-quality credit applications.

Cincinnati, OH - April 15, 2009. ACS Financial (ACS) and XpressCredit today announced the completion of an agreement to allow seamless throughput of credit applications from ACS to its finance sources on RouteOne. The agreement, which utilizes the RouteOne 'Messenger' service for non-franchise dealers in the U.S. market, leverages XpressCredit's patent-pending technology and allows ACS to provide filtered credit applications to RouteOne's finance sources. The XpressCredit platform's proprietary filtering technology allows only applications that fit a finance source's specific criterion to pass through to the institution's underwriting department, thereby enhancing efficiency, approvals and look to book ratios.

"Working with XpressCredit helps ACS achieve better credit performance metrics with our lending sources by automating the credit decision process. The XpressCredit integration also helps ACS's internal efficiencies, enabling us to handle more volume from our various large affinity groups," says Tarry Shebesta, President of ACS. "Teaming with Route One gives ACS a direct connection to our lenders, and opportunities for other banks and credit unions to do business with us."

"RouteOne is excited to serve as a technology bridge, allowing third party networks to connect with our participating finance sources," said Mike Jurecki, RouteOne CEO. "This technology provides great benefit to our finance sources, as they can enjoy synergy with their existing connectivity to RouteOne to receive auto, RV, power sport, and marine credit applications from outside of our existing franchised dealer network. Our relationship with XpressCredit and ACS provides our finance sources access to high-quality applications from a number of consumer websites."

Mark W. Louer, EVP of XpressCredit, said, "Leveraging the technology capabilities of each partner creates economies of scale and efficiencies for the lenders. Access to a wider spectrum of lenders through Route One and ACS, solidifies our dealer relationships."

The agreement is effective immediately. Dealers or lenders interested in further information may contact the RouteOne Sales Support team at 866.933.0663.

ABOUT ACS FINANCIAL (ACS)
ACS is a leading provider of online auto financing and leasing, online vehicle marketing, and software development. Our proprietary technology and automotive experience give ACS a competitive edge in the industry. Visit acscorp.com for more information.

ABOUT ROUTEONE
RouteOne was formed in 2002 by Chrysler Financial, Ford Motor Credit Company, GMAC, and Toyota Financial Services to create a more streamlined credit application for automobile dealers and their customers. Providing access to more than 21,500 dealers in North America, RouteOne's web-based system allows automotive dealers to submit credit applications to the largest indirect lenders, request credit reports, and increase profitability with RouteOne's free Dealer Reporting Suite. Visit routeone.com for more information.

ABOUT XPRESSCREDIT
XpressCredit is a leading provider of a web-based, indirect lending platform. Its patent-pending solution links lenders with auto, motorcycle, RV and marine dealers nationwide. A pre-screen of the applicant and collateral provides the ability for lenders to evaluate applications quickly and efficiently. Visit xpresscredit.net for more information.