ARCHIVED TruDealer 1.0

SOLIDIFY YOUR F&I

SOLIDIFY YOUR F&I • Get total transparency on pricing • Maximum reinsurance participation • Maximum flexibility on claims handling • 100% compatible with your existing reinsurance arrangement • Unique reporting that allows dealers to see online exactly how their program is performing—and reconcile their bank accounts to the penny

KEY FEATURES

TruWarranty combines best practices in compliance, technology, and underwriting strength: • Products underwritten in partnership with Fortegra • Most advanced reporting available, anywhere • Online dashboards show you exactly how your dealerships perform • All-digital contract administration and tracking • Full reinsurance participation, using your existing provider • Innovative TruMenu interface makes it simple to sell • Private labeling available on all F&I products

Don’t see what you’re looking for? You can bet we’ve got it—just ask.

The original preload: customized engine & powertrain warranties, perfect for up-selling to TruVSC Exclusionary Wrap coverage.

Supercharge both your reinsurance and retention.

Owning your private-labeled maintenance program gives you a competitive edge over dealers offering manufacturer maintenance.

Completely customizable, with instant redemptions via virtual credit cards.

The best combo package available.

Five products bundled together to make life easy; tire & wheel, key replacement, paintless dent repair, windshild repair, and roadside assistance.

PRE LOA D

Walkaway GAP at competitive prices, with the coverage you’d expect. First dollar coverage to ensure your reinsurance position never takes a hit. Approved by all major lenders.

PRE LOA D

PRE LOA D

Exclusionary and stated coverages that are the best in the industry. No separate ceding fees. No loss adjustment expenses. Easy to reinsure. Always backed by A-rated insurance.

Our in-house brand of Interior & exterior appearance coverage that gives you the choice of which chemistry to apply. Fully reinsurable.

Perfect to preload.

FINALLY: now you can match up your reinsurance cession reports (available online, 24/7) against your custodial accounts. Reinsurance just got really easy—stop wasting time on quarterly reviews that no one understands.

Reinsurance Company:

Dunder Mifflin Reinsurance

Product Type: Report Group: Dealer: Owner:

ALL ALL Sabre Auto Group ALL

Warranties and Service Contracts for all the brands your dealerships sell.

14+

YEARS IN BUSINESS

50

COMPLIANT IN ALL STATES

BEST IN CLASS CLAIMS ADMINISTRATION

Designed for dealerships: our simple selling interface provides a quick path to significant revenue.

• Headquartered in Joplin, Missouri • Founded on Groundhog Day, 2008 • Servicing 600+ dealers nationwide • All claims paid by virtual credit card, instantly • No paper forms— everything is electronic • Easy remitting process, using ACH or eChecks

40+ 40+

A . M B EST F I N A N C I A L A .RME N B GT EST I N AI N ST H FRAT NC GI A OLF ST R E N GT H RAT I N G E XC E L L E N T, C L AS S VO I IFI E XC E L L E N T, C L AS S V I I I

YE AR S I N Y E AR S ISN BUS INES BUS INES S

ԊԊ2.45B 2.45B IN ASSETS IN ASSETS

CUSTOMIZABLE INSURANCE & REINSURANCE PROGRAMS

C U SSpecialty T O M Underwriting I Z A B L E I N Credit S U RProtection A N C E & Warranty R E I N SSolutions U R A N C EPremium P R OFinance GRAMS C U S Personal T O MandI Commercial ZABLE INS RAN C E & ForRAutomotive, E I N SConsumer U R A N CFlexible E PPayment ROG RFor AMS On U Consumer Loans, Terms Insurance Products "r;1b-Ѵ| &m7;u ubঞm] "r;1b-Ѵ| &m7;u ubঞm] ;uvom-Ѵ -m7 oll;u1b-Ѵ

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London, U.K. Malta London, U.K. Jacksonville, FL Malta U.S. Headquarters Jacksonville, FL Malta U.S. Headquarters Jacksonville, FL U.S. Headquarters

Premium Finance Premium Finance Flexible Payment Terms For

Flexible& Payment For Insurance WarrantyTerms Products Insurance & Warranty Products

$1.67B GROSS WRITTEN PREMIUM

Ԋ1.67B

Ԋ1.67B $286M GROSS WRITTEN GROSS WRITTEN PREMIUM SHAREHOLDER PREMIUM EQUITY

Ԋ286M Ԋ286M SHAREHOLDER SHAREHOLDER EQUITY EQUITY

32

CONSUMERS PROTECTED WORLDWIDE

PRODUCTS & OBLIGOR SERVICES A C R O S S A L L 5 0 U . S . S TAT E S INCLUDING D.C.

PRODUCTS & OBLIGOR SERVICES SERVICES APRODUCTS C R O S S A L&L OBLIGOR 50 U.S. S TAT E S A C R OISNSC A LL LU D I5N0G UD. S. C. .S T A T E S INCLUDING D.C.

*Fortegra®

Insurance & Warranty Products

MILLION CONSUMERS PROTECTED WORLDWIDE 32 MILLION 32 MILLION C O N S U M E R S P R O T E C T E D W O R L D W I D E

MORE THAN

MORE THAN MORE THAN

ou |oloঞ ;ķ omv l;u Products & Wireless Products & Wireless

London, U.K.

VERTICALLY VERTICALLY INTEGRATED INTEGRATED 7lbmbv|u-ঞom 7lbmbv|u-ঞom olrѴb-m1; olrѴb-m1; ;]-Ѵ ;]-Ѵ bm-m1; bm-m1; -uh;ঞm] -uh;ঞm] $u-bmbm] $u-bmbm]

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TIPT TRADED ON NASDAQ AS PART OF TIPTREE FAMILY

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TRADED ON NASDAQ TRADED ON NASDAQ AS PART OF TIPTREE FAMILY AS PART OF TIPTREE FAMILY

Proud Partners With

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PASSPORT RIGHTS

ACROSS THE EU Authorized by Malta Financial Services Authority (MFSA)

PASSPORT RIGHTS PASSPORT RIGHTS

ACROSS THE EU A CAuthorized R O S S byTMalta HE EU

by Malta Financial Authorized Services Authority (MFSA) Financial Services Authority (MFSA)

ELIGIBILITY AND PROGRAM HIGHLIGHTS

EXCLUSIONARY AND STATED COVERAGES THAT ARE THE BEST IN THE INDUSTRY. No separate ceding fees.

No loss adjustment expenses.

Easy to reinsure.

Customized claims handling.

NEW UNLIMITED

ELIGIBILITY Current PLUS 2 Model Years Up to 35k miles on odometer at TOS TERM NO MILEAGE LIMIT Terms up to 96 months WRAP Coverage available by Manufacturer Warranty Term

PRE-OWNED UNLIMITED

ELIGIBILITY Current PLUS 2 Model Years Up to 60k miles on odometer at TOS TERM NO MILEAGE LIMIT Terms up to 72 months

PRE-OWNDED

ELIGIBILITY Up to 10 + Current Model Years Up to 125k miles on odometer at TOS TERM All terms are add on time and miles Terms up to 120 months and 125k miles

COVERAGE

• $100 Disappearing (ZERO) Deductible when repaired at Selling Dealer • Roadside Assistance Benefits included • Pays Posted Labor Rate/Retail Time at Selling Dealer • Same Day Claims Settlement via Credit Card • Exclusionary Coverage up to 125k miles at time of Sale, or 96 months for unlimited program.

• Component coverage includes Powertrain,Powertrain Plus, Comprehensive, and Smart Tech • Rated by Asian; Domestic plus Volvo & VW; and European plus Corvette

CANCELLATION/TRANSFER

• Full refund within first 30 days • Prorated refund with $75 fee after 30 days • Transferable to another private party ($50 fee)

ROADSIDE ASSISTANCE

• Towing Assistance • Flat Tire Assistance • Fuel, Oil, Fluid and Water Delivery Service • Lock-out Assistance • Battery Assistance

CUT OUT THE F&I FLUFF

150 GAP

GAP ADDENDUM

INSTALLATION CONSISTS OF A SIMPLE FORM CHANGE. YOU DON’T NEED ALL THAT “FREE” F&I TRAINING.

Get what you DO want:

This Addendum is between the Customer/Borrower (I, You, Your) and the Dealer/Creditor (We, Us, Our) or if assigned, with the assignee Financial Institution/Lender pursuant to the terms and conditions herein. Please carefully read this Addendum in its entirety for additional information on eligibility, conditions, limitations and exclusions that could prevent you from receiving benefits under this Addendum.

CUSTOMER/BORROWER

DEALER/CREDITOR

ADDRESS

ADDRESS

CITY

STATE

MOBILE PHONE

SECONDARY PHONE

ZIP

CITY

STATE

CONTACT

ZIP

PHONE FINANCIAL INSTITUTION/LENDER

CUSTOMER E-MAIL VIN NUMBER

YEAR

VEHICLE PURCHASE PRICE $

ACCOUNT NUMBER

MAKE

□ NEW □ USED

□ LOAN/INSTALLMENT SALES CONTRACT AMOUNT FINANCED/LEASE CAP COST

MODEL

MSRP/NADA

ADDRESS CITY

STATE

ZIP

$

□ LEASE

□ BALLOONCONTRACT

APR

FINANCING CONTRACT DATE

FINANCING CONTRACT TERM MONTHS

PRIMARY INSURANCE DEDUCTIBLE

$

%

FIRST PAYMENT DUE DATE

TERM OF GAP

$

MONTHS

MONTHLY PAYMENT AMOUNT $

MILEAGE

PROGRAM OPTIONS □ Standard 150 (150FG) □ Plus 150 (150FGP) (Not Funded by Ally Financial) □ Commercial 150 (150FGC) You have voluntarily elected to purchase this Addendum which amends Your Financing Contract. This Addendum is not considered insurance and is not a substitute for collision or property damage insurance on the Covered Vehicle. You are responsible for insurance required by the Financing Contract or applicable state law. You are responsible for handling all notifications or insurance claims that are required to be filed with Your Primary Carrier.

In the event of a Constructive Total Loss to the Covered Vehicle, the GAP Amount will be Waived pursuant to all of the terms and conditions of this Addendum. You will remain responsible for payment of any items not included in the GAP Amount.

YOU MAY PURCHASE THIS ADDENDUM ONLY AT THE TIME THE FINANCING CONTRACT IS ORIGINALLY EXECUTED. BY YOUR SIGNATURE BELOW, YOU ACKNOWLEDGE AND AGREE THAT YOUR ACCEPTANCE OF THIS GAP ADDENDUM IS VOLUNTARY AND IS NOT REQUIRED IN ORDER FOR YOU TO OBTAIN CREDIT, DOES NOT IMPACT YOUR ABILITY TO OBTAIN ANY PARTICULAR OR MORE FAVORABLE CREDIT TERMS, AND HAS NO EFFECT ON THE TERMS OF THE RELATED SALE OF THIS COVERED VEHICLE. The GAP Amount may decrease over the term of Your Financing Contract and may not extend for the full term of Your Financing Contract. You may wish to consult an alternative source to determine whether similar Benefits may be obtained and at what cost. You acknowledge that this Addendum supersedes any other representations made. If You purchase this Addendum from this Dealer/Creditor, You understand that the Dealer/Creditor may retain all or a portion of the charge paid by You. This Addendum includes a binding arbitration clause. You acknowledge that you have read and understand the entire Addendum and its terms and conditions which may reduce or prevent you from receiving all or part of the Benefits due under this Addendum.

YOUR RIGHT TO CANCEL: You have the unconditional right to cancel this optional Addendum for a refund/credit of the unearned portion of the charge for this Addendum at any time. If any cancellation occurs within thirty (30) days of the Addendum purchase You will receive a full refund/credit of the Addendum cost. After thirty (30) days, a refund/credit of the Addendum cost will be calculated by the pro rata method, or by the refund method as may be required by state or federal law, less a $50.00 cancellation fee. All refund amounts will be returned to the Lender, unless proof of total payoff of the Financing Contract is provided by You. If You choose to cancel this Addendum, You must request a refund/credit, from the Dealer/Creditor, in writing, at the address shown above.

If You do not receive the refund/credit within sixty (60) days of notice of cancellation/termination, contact the GAP Administrator to assist You in obtaining any refund due. In the event of Constructive Total Loss and a Benefit is waived, the Addendum will be deemed as fully earned and no refund will be due.

ASSIGNMENT: This Addendum will remain a part of the Financing Contract if the Financing Contract or lease is assigned, sold or transferred by the Dealer/Creditor.

MAXIMUM TERM OF GAP COST: MAXIMUM FINANCE BENEFIT LIMIT 150% 96 MONTHS

•

Factory direct pricing, with zero fluff

•

Backed by A-rated insurance company

•

All digital & electronic, with superior reporting

•

Best-in-class claims adjudication

I have read and agreed to all of the conditions:

x x

•

Deploy remotely—it’s just a form change

•

100% compatible with all menus FG150B and DMS

•

No costs to get started

CUSTOMER/BORROWER SIGNATURE

DATE

DEALER/CREDITOR SIGNATURE

DATE

GAP ADMINISTRATOR: Sidecars, Inc., 532 S. Main Street, Joplin, MO 64801 1-866-217-5309 • www.sidecarsinc.com •

Original: Administrator

Yellow: Dealer/Creditor

Pink: Financial Institution

1

White: Customer/Borrower

COMPATIBLE WITH ALL MENUS AND DMS Deploy a form change in minutes and save thousands. Keep your VSCs in place, and use us for everything else.

12/2020

5-IN-1 PROTECTION

THE BEST F&I BUNDLE AVAILABLE, WITH MINIMAL SURCHARGES.

5-IN-1 PROTECTION

Simplify your F&I by bundling your ancillary products together in one easy to sell program.

• TruTire & Wheel Protection • TruKey Replacement Coverage Cosmetic Wheel Repair for Chrome Wheels Included — No Surcharges No maximum number of repairs during the agreement term Covers aftermarket wheels meeting manufacturer’s specs Wheel covers/hubcaps are covered

• TruPDR: Paintless Dent Repair • TruVision Windshield Coverage • 24/7 Roadside Assistance

STOP THE DOUBLE DIPPING

+

wrap

EXCLUSIONARY COVERAGE TO 150,000 MILES

SUPERCHARGE YOUR DEALERSHIPS’ REINSURANCE Give every customer lifetime powertrain coverage, and upsell to exclusionary wrap coverage—all designed to increase dealership retention.

Reporting that keeps you on top of all things F&I

• Offer a lifetime powertrain on every vehicle, new and used.

• Up-sell to exclusionary coverage with TruWrap—out to 150,000 miles • Make your lifetime admin fee disappear when you sell TruLifetime with TruWrap • Add in prepaid maintenance to supercharge your customer retention.

Upsell to TruWrap to gain exclusionary coverage out to 150,000 miles for all major brands and stop the administrator “double dipping” with the industry’s first Disappearing Admin Fee. We drop the admin fee for TruLifetime when you upsell to TruWrap—an industry-first. Never pay twice again for the administration of your powertrain and wrap program when they are sold together.

Retention

TruMenu

A-Rated

Our Private-labeled products are designed to keep customers coming back-- to YOUR dealership

Best-in-class selling interface, included at no extra cost.

All products are available as non-reinsured or reinsured, and are backed by an A-rated insurance company.

Compliance-Driven

Easy Reinsurance

100% Digital

All TruWarranty products are designed from the ground up to keep your dealership compliant.

We understand profit participation better than anyone. Our turn-key reinsurance program keeps things simple for you.

Compatible with all DMS and menus—installation consists of a simple form change.

www.TruWarranty.com

Designed For Reinsurance 100% compatible with your existing reinsurance program 100% participation in underwriting profits Log in 24/7 to see how your program is performing Backed by A-rated Insurance and Compliant Nationwide

WHAT’S YOUR

tru

POTENTIAL?

PVR IS BUILT ON THE PRODUCTS YOU OFFER We talk a lot about PVR and the product penetration, but NOT about the products we sell to move the needle. |

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ONE ADMINISTRATOR TO RULE THEM ALL

O TruVSC O TruGAP O TruWarranties O EXOGloss O EXOBundle O TruMenu O TruTHeft O TruIdentity O TruBundle O TruTire O TruReports

O TruKey O TruVSC+ O TruVSC High Mileage O TruPrepaid Maintenance O TruPaintles Dent Repair O EXOVision O TruPayments O TruCare O TruExclusionary Short Term O TruBattery O TruWarranty’s Cancellation Sheild

(because it’s not what you make, but what you keep that matters)

WHEN IT COMES TO PRODUCT SELECTION, IT’S ABOUT THE RIGHT FIT. O VSC options for vehicles 1983 and newer with fewer than 500,000 miles O Extended Terms on Key, Road Hazard, Theft, Dent & Ding, Bundle and Interior/Exterior O Maintenance is designed by the Dealer, 100% autonomy to change and modify to meet your needs O 125% GAP contracts available for select lenders O Ford Flex Buy GAP O Alternate Lending Terms GAP Products O Economies of scale need to exploit each opportunity to effect changes in PVR O One TPA to rule them all: Commercial Trucks, Motorcycles, RVs, Exotics, Electric, Upfitted Trucks, Specialty Conversions and Unlimited Mile options that fit every buyer O Non-Cancelable GAP programs with select lenders

CREATE A UNIQUE BUYING EXPERIENCE WITH OPTIONS, NOT YOUR TRADITIONAL VSC PROVIDER O TruCare: For vehicles under 10,000 miles at time of sale. VSC plus wearable coverage with a $0 deduct O TruVSC Exclusionary Short Term: Customer funded goodwill account.

3/3 & 6/6 with $100/$200 deduct options O TruVSC: 12/12, 24/24 & 36/36 are the best replacements for the traditional Credit Acceptance Service Contracts O TruVSC: Coverage for every vehicle- lifted up to 6 inches, lowered up to 4 inches, commercial use, grey market, prior salvage and upfitted vehicles O TruTruck VSC: Never miss out on a commercial truck opportunity with coverages that actually fit the buyers’ needs O TruVSC Upfit: Are you selling vehicles that have been upfitted? No problem with TruVSC Upfit Vehicle Protection O TruVSC Wraps: Offer unique wraps that fit not only the manufacturers’ specs, but your own unique powertrain programs. One admin fee for two contract!

LENDING PARTNERSHIPS

O Automatic Lending Platform O Ally Recognizes Tru Certified as a Manufacturer Certified O CPS Recognizes Tru Certified as a Manufacturer Certified O US Bank Recognizes Tru Certified as a Manufacturer Certified O Old National Recognizes Tru Certified as a Manufacturer Certified O BMO Recognizes Tru Certified as a Manufacturer Certified O Tru is an authorized admin by Credit Acceptance O Tru is the product provider for Pronto Finance in TC, IL & WI O Tru also underwrites GAP and VSC for In Fin Cer Finance and Credito Real O Coming soon... TruRefi!

WHY NET OF CLAIMS? O Why don’t most administrators use the net of claims method for cancellations vs. time and miles alone?

O The simple answer is time and expense of tracking claims, most administrators’ systems are too antiquated and are not build to calculate this additional metric.

O How is this effecting your reinsurance position?

O The short answer is that when working with Ignition and applying the net of claims method you’ll lower your loss ration by 5% +/-.

WHAT YOU WON’T FIND: O Claims Fees O Tru does not retain your cancellation fees O Loss adjustment fees O Surprise price adjustments O Miscellaneous fees on you cession statements O Difficult to read and overlay complicated reinsurance statements O An act of congress to get grey area claims approved O Inflexibility on creating new programs

THE PROOF IS IN THE PVR & P

TRU DEALER 1 SERVICE CONTRACT PENETRATION 58 56

56.7

55.9

55.7

54 51.3

52

56.6

56.1

55.2

54.8

54.4 53

52.3

50 48

45.9

46 44 42.5

42

2

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2

2 M

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22

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bFe

22 nJa

21

21 cDe

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21

1

21 pSe

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21 nJu

1 -2 ay

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21

40

n-

2

22

-2

19%

Ju

ay

2

2

22%

M

r -2

-2

22

25%

Ap

ar

b-

22

17%

M

Fe

n-

14%

Ja

21

15%

c-

21

15%

De

v-

1

17%

No

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21

18%

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p-

21

1

21%

Se

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20%

Au

Ju

1

1

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21

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21

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Ap

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0%

Fe

Ja

Prior to engagement with TruWarranty

PENETRATION “TRU DEALER 1”

TRU DEALER 1 TRU PAYMENT

30%

24% 26%

19%

13%

10%

5%

0%

TRU DEALER 1 PRODUCT PENETRATION 270

258.5

250 230 210

203.6

198.7

220.3

210.3 212.1

242.8 237.7

232.5 229.9

230

182.6

190 170 150

22 nJu

ay

-2

2

2 Ap

M

r -2

2 -2 ar M

22 bFe

22 Ja

n-

21 c-

1

21

De

vNo

t -2 Oc

21 pSe

1

21 gAu

l -2 Ju

21 Ju

-2 ay M

n-

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1 r -2 Ap

1 -2 ar

bFe

nJa

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21

136.8

21

130

TRU DEALER 2 PRODUCT PENETRATION 3.4 3.2 3.03

3

3.01

3.16

2.8 2.59

2.6 2.4

2.44

2.41

2.32

2.34

2.3

2.26

2.35

2.2 2

May-21

Jun-21

Jul-21

Aug-21

Sep-21

Oct-21

Nov-21

2.08

2.07

Dec-21

Jan-22

Feb-22

Mar-22

Apr-22

May-22

TRU DEALER 1 PVR 2,400 2,300

2,282 2,291

2,221 2,229 2,216

2,171

2,200

2,252 2,274

2,207

2,255 2,167

2,064

2,100 2,000 1,900 1,800

22 nJu

2 ay

-2

2 M

r -2

2

Ap

-2 ar M

22

22 bFe

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n-

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1

21 vNo

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21

1 l -2 Ju

21 Ju

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1 r -2 Ap

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bFe

nJa

21

1,715

21

1,700

TRU DEALER 2 SERVICE CONTRACT PENETRATION 1 0.9 0.8 0.6568

0.7 0.6 0.4428

0.5

0.491

0.4318

0.4 0.3

0.3058

0.2605

May-21

Jun-21

0.6058 0.5676

0.5989

0.3842 0.3 0.198

0.2

0.2714

0.1 0

Jul-21

Aug-21

Sep-21

Oct-21

Nov-21

Dec-21

Jan-22

Feb-22

Mar-22

Apr-22

May-22