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ARLINGTON, Texas — SFG Finance, a purchaser of auto paper
from buy-here, pay-here dealers, franchised dealers, finance companies, banks
and credit unions, partnered with PassTime USA today to enhance its new loan
purchasing program.

Officials explained the new program will offer qualified
lenders "unprecedented" access to PassTime products with no upfront device cost
to the dealer or initial lender while providing them access to needed capital
and liquidity through their relationship with SFG Finance.

Qualified lenders with SFG Finance can order PassTime
products for no upfront cost as long as the loan is sold to SFG Finance within
the specified time period.

PassTime USA offers GPS tracking and its own automated collection
technology solutions to its customers in the BHPH and subprime finance
industry. PassTime insisted its range of products and services, 24/7 live
customer support and expertise can provide customers with a complete package
for protecting their assets and managing their portfolios.

"This program is unlike anything we have ever seen in the
industry. It is an amazing opportunity for our customers to get PassTime
devices for no upfront cost on the qualified loans they sell to SFG Finance,"
said PassTime executive vice president of operations Chris Macheca.

"It's truly a winning scenario for everyone involved,"
Macheca continued.

SFG Finance's program purchases existing near prime,
subprime, and BHPH loan portfolios from franchised and independent dealers as
well as finance companies. Portfolio sizes range from $500,000 to $150 million
are held on the balance sheet and serviced internally.

"We have introduced programs in the past that include
credits or rebates to initial lenders for the cost of PassTime devices. This is
taking it a step further," SFG Finance chief operating officer Henry Gonzalez
pointed out.

"Now the dealer or initial lender can order, install, and
utilize PassTime devices with no upfront cost to them," Gonzalez added

Officials highlighted funding for the program is made
possible by SFG's parent bank with the additional advantage of a more stable
cost of funds and without the need to securitize.

SFG Finance reiterated that it offers complete transparency
and up-front pricing based upon its superior analytics. Its due diligence team has
been instructed to evaluate all loans in order to maximize the selling dealers'
return without interrupting the dealership's existing business, all aimed at ensuring
a seamless transition.

Since the program is now available, dealers and lenders can
contact SFG Finance or PassTime for more information.