DECISIVE SIGNS AGREEMENT WITH DEALER PROFIT OPPORTUNITIES, LLC

November 5, 2009

Vanguard Credit announced today its agreement with Dealer Profit Opportunities, LLC to offer its suite of products including Gold Mobile, Smart Payment Plan and others to Vanguard's dealer clients. Gold MobileTM is the leading mobile solutions provider offering sophisticated platforms for mobile marketing and mobile CRM solutions. Smart Payment PlanTM helps dealers retain customers by offering biweekly payment plans that generate interest savings and pay down loans more quickly. Vanguard President and CEO, Brad Emerson states, "We believe these products will complement our existing finance programs. We can now offer our dealers an array of products that work together to enhance dealer profitability and increase revenues for Vanguard Credit." Vanguard Credit currently offers prime retail financing and GAP insurance to auto dealers throughout California and partners with financial institutions to implement auto loan and lease origination programs to diversify and grow their assets. Contact: info@vanguardcredit.com

DECISIVE AND AUTO FINANCIAL GROUP SIGN CONTRACT

September 24, 2009

Decisive announced today that it has entered into an agreement with Houston, Texas based Auto Financial Group (AFG) to license Decisive's "DocPerfector" software. The software allows dealers that use AFG's auto finance programs to quickly and accurately calculate complex transactions via an imbedded link in the dealer's RouteOne system. It also produces a perfected document for the dealer and customer to sign to complete the transaction. The agreement with AFG is Decisive's first agreement with a lender that takes advantage of the technology Decisive developed in conjunction with RouteOne. Brad Emerson, Decisive's President states, "We are pleased to have our software development concept confirmed by signing our first licensee. AFG is an important new client to us because of their relationships with hundreds of credit unions nationwide. Since Decisive's compensation is based on the success of the product, we will be working hard to make our client's program as successful as possible." RouteOne is a web-based credit application management system developed by the finance arms of DaimlerChrysler, Ford Motor Company, General Motors and Toyota in early 2002 to better meet the needs of dealers. Decisive has provided software, expertise and other services for use by auto finance industry companies since 2004. Decisive is the trade name for the software and analytics business of Vanguard Credit LLC, a Santa Barbara-based company which has provided auto loan and lease financing for dealerships since 1997. Contact: info@vanguardcredit.com

Vanguard Announces Agreement with RouteOne®

August 21, 2009

Decisive, the software arm of Vanguard Credit, announced today that it has entered into an agreement with RouteOne® to develop specialized software for use in the automobile finance industry. “DocPerfecter” will enable rapid delivery of critical information to dealers necessary to complete certain customer transactions. Additionally, it will create accurate documents for dealer and consumer use every time. The DocPerfecter tool is an expansion of Decisive’s ResidualExpress©, a web-based service used in the auto lease and balloon loan industries. Decisive’s agreement with RouteOne is the first such partnering arrangement, and Decisive expects this effort to accelerate the expansion of its origination, analytics, and specialty software businesses. Decisive has provided software, expertise and value for use by the auto finance industry companies since 2004. Contact: info@vanguardcredit.com

MEDIA BULLETIN-Vanguard Credit LLC

October 14, 2003

Vanguard Credit LLC, a Santa Barbara based independent automotive finance company, announced today the introduction of its AutoAction.NET product. The product is an internet based leasing tool for dealerships that allows dealers to structure lease financing options for their customers, submit credit requests on-line and print the lease documents. The key benefits to Vanguard's dealers are faster service for their customers, more accurate calculations of leases and ease of use. "AutoAction.NET is the logical solution for Vanguard and dealers in the auto leasing business," explains Brad Emerson, President and Chief Executive Officer of Vanguard Credit. "Our industry has a long history of struggling to do transactions quickly and accurately. In some cases dealers have to correct up to 50% of their lease transactions, which is inconvenient for the customer and is costly to the dealer and to Vanguard. AutoAction.NET will guarantee accurate leases and faster funding for our dealership partners." Vanguard is the first auto finance company to offer dealers the ability to structure auto leases online and print the lease contract directly from the web. Vanguard Credit LLC is based in Santa Barbara, California, and specializes in the leasing of new and pre-owned vehicles. The company works with banks and other financial service companies to provide them with turnkey entry into the indirect and direct leasing markets. Leasing information is featured on its Web site at www.vanguardcredit.com. Contact: info@vanguardcredit.com