On-Board Communications, Inc.

AutoTraks™ for Sub-Prime Financing is a money-saver. AutoTraks takes a straight-and-narrow path to ensure payments, reduce delinquency and default, and expedite vehicle recovery.

Prime Lenders consider Sub-Prime finance contracts as dangerous highways, ones that the sub-prime industry navigates daily. Credit qualifying technologies have become the radar detector that alerts dealers and lenders to potential troubles ahead. Until now, there were no ways to rescue a finance contract in default and survive without major losses.

AutoTraks Asset Protection System is the next best thing to a guarantee

AutoTraks helps you avoid much of the risk associated with customers having impaired credit. Because AutoTraks helps keep customer payments on track and reduces the risk of a credit default or a vehicle becoming an unretrievable asset, you can accept a lower credit score and give extra consideration to these customers.

Raise your application approval rate with your dealerships and your customers

As a marketing tool, you can use AutoTraks to sell and promote credit availability and funding capacity to expand your dealerships' coverage:

Provide greater availability of financing
Offer dealerships greater credit approval range
Serve dealers and customers in high-risk areas
Work more easily with marginal credit applicants
Reduce dealer recourse obligation in conjunction with installation of an AutoTraks unit

You can also purchase more auto finance contracts because you have gained the advantage of:

Lower default rate
Less loss on default
More finance funds available
Lower overall RISK of loss

AutoTraks helps you protect the value of your investment because it can greatly:

Decrease first payment defaults
Pinpoint exact vehicle location
Reduce skips
Reduce time for vehicle's recovery or repossession
Reduce vehicle depreciation
Reduce time to auction and realize greater sales price
Reduce cost of recovery/repossession

Skip-tracing
Collections
Repossession
Refurbishment
Personnel

Reduce losses associated with lost finance revenue
Reduce or eliminate backlog of repos and skips
Reduce or eliminate unrecoverable finance contracts and write-offs
Improve Realization Ratio for repossession

The value that you achieve from AutoTraks™ begins the day that you install the units. You'll find that asset protection is available for a very low cost. The AutoTraks™ unit can be easily self-installed or by a local installer. Contact an On-Board Communications representative in your area, today.

AutoTraks GPS Vehicle Tracking System delivers increased control, customer satisfaction and Return on Investment.

Beat the Clock — the longer a finance contract is delinquent or in default, the greater your loss. See AutoTraks complete package of Vehicle Monitoring, Tracking and Recovery Reports.