Auto Financial Group Partners with Credit Union Acceptance Company
CUAC to Offer AFG’s Driving Sense™ Balloon Product

Houston, Texas – Auto Financial Group (AFG), an online provider of residual-based
financing products for credit unions, announced today that it has signed an agreement with
Credit Union Acceptance Company (CUAC), a Credit Union Services Organization. Under the
agreement, CUAC will offer AFG’s Driving Sense™ vehicle balloon financing product to credit
unions and their members.

Driving Sense™ is an easy-to-use, web-based program that allows credit unions to
substantially improve their vehicle loan product offerings. By guaranteeing the
predetermined residual value of a vehicle through third party insurance, AFG removes the
financial risk of an auto loan to the credit union and empowers the credit union to compete
with traditional loans and conventional leases.

Driving Sense™ offers organizations that deal with credit unions, like CUAC, the ability to
capture loans that dealers previously satisfied using auto manufacturer or bank supported
leasing/balloon financing.

Under the agreement, CUAC will offer AFG’s Driving Sense™ program at the credit
member’s point of sale – the dealership finance department. Together, CUAC and AFG will
increase the financing options that are available to CUAC’s dealer partners.

Credit unions benefit by receiving guaranteed predetermined residual values and third party
insured, automatically generated loan documents, and no end-of-term hassles because AFG
handles disposition of the vehicle.

Credit union members also benefit, with new and used vehicles qualifying for the program,
no or low down payments, lower monthly payments, flexible terms and mileage plans,
actual ownership of vehicle, and end-of-term options.

“Our partnership with CUAC is an exciting development,” says Richard Epley, President of
Auto Financial Group. “CUAC works with more than 1,500 auto dealerships across seven
states, so this agreement quickly makes Driving Sense™ available to a large number of
credit union members who are applying for vehicle financing.”

“CUAC is excited about this new relationship with AFG,” says Adrian Dominguez, President
and CEO of CUAC, LLC. “The AFG balloon product provides the credit union member the
payment flexibility that they desire in this increasing rate environment, and it also provides
the credit union the opportunity to capture loans that they would have otherwise lost.”

Under the agreement, CUAC will offer Driving Sense™ to its twelve owner credit unions in
seven states, including Texas.

About Auto Financial Group, Inc.
Auto Financial Group, Inc. is a Houston-based company that provides Driving Sense™, an online residual based auto financing product for credit unions and other financial institutions. With Driving Sense™, credit unions can "build" a vehicle for their members, compare payment terms with conventional loans, and offer their members lower payments (often as much as 40 percent lower), flexible two- to six- year terms, actual ownership of the vehicle and several end-of-term options.

Auto Financial Group removes the financial risk to the credit union by guaranteeing the predetermined residual value of the vehicle through third party insurance, as well as handling the vehicle’s disposition. Auto Financial Group is paid one low administration fee for each Driving Sense™ loan, while the credit union earns all the interest. For more information, visit www.autofinancialgroup.com.

About CUAC
CUAC is a Credit Union Service Organization (CUSO) that was founded in 1998 by seven
Houston, Texas credit unions. CUAC was developed to assist credit unions in member auto
loan retention by placing credit unions at the member’s point of sale, the dealership Finance
Department. Today, CUAC has 12 owner credit unions, is partially owned by CUNA Mutual
Group and services over 65 credit unions in seven states with over 1,500 enrolled auto
dealerships.