ORLANDO, Fla. — This year as US Equity Advantage celebrates
its 10th year in business as a provider of biweekly and custom consumer loan
acceleration services to the automotive industry, the company highlighted
several milestone achievements.

Those accomplishments include:

—A projected $29 million in interest saved for its members

—$44.4 million of additional equity created by its members

—More than $1 billion in loan payments transmitted safely
and securely

—Members average $940 improved equity position when using
USEA's rapid loan payoff solution AutoPayPlus.

—Members as a whole will achieve in a better equity position
of $147.76 million at loan term.

—15 to 20 percent year-over-year financial growth

"We've been with USEA from the beginning and we've stayed
because they are the safest and best loan acceleration service," said Greg
Gomer, an agency owner in the Boston area.

"As long as the AutoPayPlus service helps my dealers
increase their PVR and USEA provides the level of training and service to my
dealers as they have, we'll be together another 10 years," Gomer continued. 

Over the years, USEA has advanced its operations to provide
real-time reporting to its partners and deliver online management tools and
personal finance content to its members.

Officials insisted the company holds itself and its partners,
including PNC Bank, to strict financial oversight with audited financials and
compliance with the National Clearinghouse Association (NACHA) operating rules
and guidelines that oversee the safe and secure transmission and daily handling
of all funds processed through the ACH system.

Even as times change, the company pointed out the core of
its primary service AutoPayPlus hasn't, elements that include:

—The exclusive biweekly loan service for MenuVantage and ADP.

—Offered to auto dealers at no cost.

—Continues to prove 57 percent more product sales and 63
percent PVR in dealerships.

What has evolved is that AutoPayPlus is now integrated with
other menus and docu-Pad, and its live, online reporting tools are more robust
for agents and dealers. 

For the end consumer member, USEA recently released a new
member friendly website that can allow its consumer members to track loan
payoff progress online. 

The company also expanded its service to include mortgages,
student, boat, RV, credit card and other types of fixed interest loans and
electronic bill payment.

"When we started US Equity Advantage, the company's purpose
was to help consumers afford automotive Finance & Insurance products, such
as extended service contracts that they couldn't afford with a standard monthly
payment plan," said Robert Steenbergh, founder and chief executive officer of
US Equity Advantage.

At that time, Steenbergh was an owner of MenuVantage and
spearheaded the integration of the biweekly service within the menu so it
became part of the F&I presentation.

"Through our understanding of the industry, we saw how
AutoPayPlus could answer that problem for the car buyer, and provide a
long-term additional revenue stream for dealers and agents. It's really a win
for everyone," Steenbergh added.

Dealers can utilize AutoPayPlus as a way to help their
customers afford more of the services and products that they want and need
without extending the term or increasing the monthly payment. 

When customers enroll in the service, they sign up to make
half-payments every two weeks.  Instead
of making 12 monthly payments, the customer will make 26 half payments,
applying extra payments to principal and thereby reducing the term of the loan
and interest paid.   Members can enjoy
lifetime benefits including the ability to add as many loans for themselves and
families under the Unlimited Family Plan.

The flexibility of AutoPayPlus can enables the F&I
Manager to satisfy the needs of each sales situation. They may offer it as an option
for the customer to automate their payments and benefit with early loan payoff;
as a way to reduce the monthly payment for the customer; or as a way to
increase aftermarket product sales by keeping the payment and term from
increasing with the increased cost of products. 

The advantages to the customer are term reduction,
accelerated equity, reduction in vehicle wear and tear and mileage as a result
of earlier trade-in potential, convenient automated drafting for easy payment;
and the ability to benefit from significant interest saved and total debt
reduction.

For more information about USEA, visit www.usequityadvantage.com or call
(800) 894-5000.

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